Wednesday 18/2/09 What small dfw things have you done today???

sophiesmum_2

When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym.

But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when in fact the small steps are helping us form good financial habits and helping us get closer everyday to staying in control and becoming debt free, or staying debt free;)

Examples could be charging your phone up at work instead of at home to save your electricity, hanging washing out instead of using the tumble dryer or leaving your purse/wallet at home to avoid the risk of spending.

So be proud of those small steps, they really are important.:D

Today i will:

• check online banking -
• update spreadsheets
• move some money to savings and different pots
• share car with another manager to meeting at work
• lunch at manager's meeting at work
• storecupboard tea
• laundry hokey cokey for OH
• ironing for me
• reduce, reuse,recycle one thing
• swim and jacuzzi to use gym membership
• aim for no spend day
• clean one room so no housework at weekend
• sparkle a lot - stripey socks under my work clothes

Good morning lovely dfw's, off to a manager's meeting today for the day,will ger lunch provided and sharing jouney there with another manager so will half travel costs.
Not much else planned for the day - hope you all have a good day.

Hugs to anyone who is feeling poorly or down - hope you feel better soon.

Welcome to any new posters and hi to all the regulars - got to run so catch you later.:D

andan

Not on a course today, which means i can get up to date with bits and pieces, so have been up sice 6.45 working on my list. Have a client today and my second job so plan on having a rather busy day!!

Enjoy your meeting SM, or certainly the free food!!

-Update blog
-sort out gym gear in order to take advantage of gym membership
-Put business receipts into spreadsheet
-Read ten pages of chapter 1 for O.U
-Read fave threads
-Sort through emails
-Do some surveys
-Check out finances
-Organise a plan with my finances
-Look for some matched bets to get back into
-Complete application form
-Begin adding deep tissue massage to my website
-Finish photocopying certificated for application form
-Do daily scratch cards
-Do daily clicks – haven't done them in ages
-Continue using up old beauty products
-Sort out today's mystery shop
-Do mystery shop
-Write up report
-Look for more mystery shops
-check freebie section
-check freecycle
-Spend fifteen minutes working on advertising
-Check business emails and website optimisation
-Put some lose change in sealed pot
-Update spreadsheets
-Organise next massage swap
-Buy some more ear candles for my business
-Fill in IEP's for child studies
-Fill in client records for my business
-Complete two event samples
-Copy event samples for my child study
-Go to second job and work for some money!!
-Try and find a cheap folder for my counselling course
-Look at when next phone statement is due in order to get cash back
-Meals from storecupboard
-Go see a client today who is having two treatments
-Sort out dry washing and move around house
-Keep heating on low or off as long as possible
-Do some boring household jobs
-Sort out book sold on amazon and use old postage material
-Post book whilst in town

skint-student-nurse

good morning all my fellow DFW's! got my free frairy dishwasher tablets yesterday,worth £6.99 :eek: lots to do today and im back at work later today...so my list for today is:

• confirm moving in date for new flat
• pack up other odds and ends i.e add them to the ever-growing car boot sale pile
• start a PAD - read through the related threads last night and think it is something for me
• continue with job applications - job day in the local papers today
• get local paper from stand in town to get my free goodies with it
• got a freind coming over for tea and they are bringing take away
• go through freebies board
• go through up your income board
• respond to scary letter from HMRC re tax credits
• get ready for next avon campagin catalouge drop

will try and sparkle, DD woke me up early and im dreading going back to work

hope everyone has a good day!

nunnygirl

Morning everyone, thought I'd get the day sterted the right way by posting my list on here

Today I will

• Check banking - Been paid, so move it around:T
• Pay rent arrears - Only £100 now so thats good:j
• Do a lot of window shopping when I go into town later
• Read papers online
• Charge my iPod using the computer - Done that

I got pink leopard print socks on today, not got any sparkley ones, think I'd better get looking for some!!:p

Pippilongstocking

Morning waving to Andan and SM - have great days today

Today
Make lodger room
Done lodger brekkie
Tea is on in oven (dafinouse (i know is spelt wrong) tatties and later will cook pork chops) need do veg still
Fed chookies cupboard surprize to day soya flour, OD raisins and some tea and 11 slugs from a quick slug hunt
Update spending diary
Update normal diary
DO lots and lots of work finish of Shetland work and the corrections to my own work
Invoice for shetland work at an extra day
Arrange meeting with Student support
Take toaster into work see if its fixable if not advertise it on freecycle (as needing fixed)
Sort out another cupboard or room later on (prob bed room)
Post love film back
Walk doggies prob from here to college as I have a car in each place at the mo:o
Have a long lovely shower today
Do an hour in garden later on - probably clear walkway by gate of old leaves and debris to be able to see the bulbs that are coming up - put debris in chicken cages as something nice to scratch around in
Eat some brekkie - eggs prob
Take some lunch into work
Look at my lovely willow plots
Check bank and look if I can put the extra lodger money over to my loan
Checked CC - one is A BIT EEEK the other one is + money - how did that happen??

Will try to sparkle a lot - stripey socks today - flowery boots but have lots work on

try and be sensible today as have alot on!!

DawnW

Morning all :wave:

Running late today, so not much done yet:
So far:
HM breakfast
Seen to some of the animals (still to do chooks and make little dog go out for a wee before I go to work (she won't volunteer this weather :eek: )
Checked online banking and moved a small amount of money to savings.
And some boring housework things

Later I will:
Finish doing animals
Make packed lunch for work
Go to work, loads to do
Work on new job application
Post book sold on Amazon (that is 2 this week :T )
Supper from storecupboard and freezer
NOT pop in to Mr S on the way back from work - been doing that too much lately. Went in for cat litter yesterday (which I needed) and ended up spending over £14 mostly on things I didn't :eek:

Have a good day everyone :j

Yargo1

Morning all.

Today i will:

Check online banking
Read paper online
Read through Freebies board

And try..to go gym tonight to use gym membership.....

DawnW

Fay, my chickens will be very jealous of your chickens' gourmet breakfast - they only have boring old pellets today, unless I can find an old crust in the bread bin.

Pippilongstocking

HI Dawn
Ah its more - ok how much OD stuff is there lurking in jars in the cupboard and inspired porrige - don't use pellets! I guess I should to keep them getting all their vitamins - I give them free grain from work (should I give them extra?) still laying through the winter which is very odd. my old chickens use to stop.

I do worry about them getting their vitamins, I do buy some of the grit they need......any advice gladly given.

talliedebtbuster

Im awake just, still in bed in my sparkly pj’s. Will get up shortly!
Today i will
· Read a journal article
· Go to uni hand in report and have lecture
· Brekie, lunch and dinner from home
· Search for freebies
· Look for any piggy clicks
· Read newspapers and magazines at library
· Print off journal articles at work for free tonight (my lecture/uni is held there)
· Look at new deals about on the board as its Wednesday
· Plan tomo as a big study day
· Add change to seeled pots
· Sort out tonight finances

sophiesmum_2

Fay -
Think chookies stop laying during winter due to the lack of daylight - don't you get longer daylight hours up orkney way? which would account for keeping laying I suppose.