Friday 20/2/09 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
• make a loaf in breadmaker
• storecupboard lunch
• cooking tea for oldies so will eat for free
• 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 today

Good morning lovely dfw's, Woo Hoo it's Friday , almost the weekend:j :j .
Busy day ahead here doing a coffee morning this morning then cooking tea for oldies later, lots of paperwork in between and sorting out the decorators who are driving me nuts.

Hope you all have a great day , hugs to anyone feeling poorly or fed up hope you feel better soon.

Hi to all the regulars and welcome to any newbies .

Off to sparkle now so will see you all later xx

sarahs999

Oooh, am I second??

Today - check banking, do clicks, do some STP and eat a packed lunch.

DH has already kindly dropped off my cakes (it's a friday) at the deli, so that's another tenner in the bag.

Things I am not going to do so well: avoid spending lots of money on clothes at lunchtime. Still trying to hone the holiday wardrobe... but will have this thread at the back of my mind!

andan

Good luck with the coffee morning SM.

Another early morning start for me today, done several jobs already including my shopping.

Am very excited today though as my lovely OH is coming back for two nights, so i am very happy about this!! Would much prefer him back for good but two nights will be extra special.

So i have a busy day ahead of me today to get everything done before his return.

• -Post brother a birthday card from my stash and use stamps from ms, so its all free
• -Do daily scratch cards
• -Continue using up beauty products
• -Tidy bedroom for lovely OH coming home
• -Strip bedding
• -Get it washed on 30
• -Make list of all things to take to pamper party
• -Start loading up car
• -Sort through emails
• -do some surveys
• -check freecycle
• -Check freebie section
• Walk to shops instead of driving
• -Pick up a few bargains and remember to use nectar card!! - Saved fifteen pounds on my shopping and i stock piled some more of my fave flapjack bars and four bars of cheese!!
• -Take any old receipts with me if I can find them, may mean rooting around in my waste paper bin!!
• -Fill in form for cancelling premium bonds
• -Post, using free stamps!!
• -Put away ironed clothes
• -Read healthy pages for helpful advice
• -Check online banking
• -Move money around as appropriate
• -Look for some meal deals for going to London
• -Type up counselling diary six
• -Complete next activity for O.U
• -Watch dvd clips for O.U
• -Meals from storecupboard
• -Read fave threads
• -Continue working on adding deep tissue to website
• -Look around at what other people are charging for this treatment
• -Do fifteen minutes of advertising business
• -Type up another observation
• -Sort out cupboard down stairs which is full of junk
• -Sort out learning cupboard, means I can see what I have and maybe some text books for amazon
• -Stick any text books on amazon
• -Look at when the two credit cards need paying
• -Work on child studies, whole punch them etc, so I can see what I have and sort out next plan of action
• -Get up to date with language groups
• -Do some baking
• -Sort out nvq folders
• -Update blog
• -Start sorting out finances and plan of action for London trip, as cheap as poss!
• -Look for mystery shops
• -Scan shopping with both scanners and put away
• Update spreadsheets
• Photocopy more pamper party consultation forms
  

Have a great day everyone and will catch up with you all later.

Lottebear

Today

- Buy card for Uni Project
- Left over lunch
- Daily cards - 10p
- Checked online banking
- Tesco shop arriving soon, fill the freezer
- Theatre tonight £5 per ticket and free dinner using clubcard voucher
- Might make a cake
- Dry washing on airer

skint-student-nurse

good morning everyone!

got today off as a rostered day off,and DD is at nursery until 6pm so ive got no excuses for not doing everything on my list! here goes:

• check cashback sites for easy cashback done :T
• bingo 10p done :T
• PAD - barclaycard
• check deposit cheque has cleared done still not cleared :mad:
• clear out shed
• tidy house done :T
• washing at 15'c
• store cupboard and freezer tea...cant find anything appealing though :rolleyes:
• sort out more car boot sale items - i need a truck the way im going! done :T
• check banking done :T
• transfer cash back into savings
• add more items onto etsy
• decide what to do with DD dora items as shes decided she wants a hello kitty bedroom - ebay or amazon..... done listed on amazon :T
• hide the kenco from MIL....i wont really,DD's nan is coming to help pack for the move so i will share my kenco..but only cos it was BOGOF! i have since shared my kenco with MIL

i gave up trying to find somewhere to sell my dvds quickly so i will put them into the car boot pile for sunday...will see what music magpie has to offer for my old cd's though

hope everyone has a good day,will try and catch up with you all later,and SM, i hope your coffee morning is a sucess!

pixiechick99

Morning!
A quick post from me - got a chap coming at 9 to sort the teeny weeny split on my car that needs welding. Honestly, you need a magnifying glass to spot it;)
Anyway here's a list for today....

• Scratchcards
• Check online banking
• Have last night's chicken leftovers for dinner/lunch
• NSD? Depending on if I take car back to pass it's MOT
• Plough on with college work
• Post book sold on Amazon
• Keep heating off tonight
• Tidy up a bit:p

That'll do for now - I'm sure I'll think of more though!
Have a lovely Friday! For once I'm not glad it's Fri...as it's half term and means the week is nearly done (and I've not really done much at all:o ):rotfl:

LilacPixie

morning everyone.

I am pathetic at organisation, trying to declutter/charity shop/ebay but seem to just be making things worse. How can we of collected so much junk in 5 years??

Today I will:

Do a mystery shop
check online banking
Sit down with OH to discuss our outgoings
sort out a list of letters to be written and posted over the weekend

angelflower_2

morning all

Its Friday!! WOO HOO

Today I will

- scratch and click
- check banking
- storecupboard breakfast and tea (might go to boots for lunch though)
- some paperwork
- catch up on rest of uni work - next block starts tomorrow
- take dd to sleepover and resist starbucks
- do some ironing (not dfw but getting it hung up will stop it being all over the house and possibly get dirty before I even wear it!!)

have a great day....will keep checking in on you to make sure you are all doing well

Jo_R_2

Morning all! :wave:

Today I will:

• check online banking
• buy last bits of baby stuff using discount code
• remind OH about transferring rent money and grocery money for next week

Today I might:

• finally (!) use up old veggies to make soup, and/or make biscuits
• have a baby (although not counting on it happening today! )

Have a nice day everyone!

sillylittlejill

Today I will:

Buy Jimmy Car tickets for Sunderland Empire with leftover ticketmaster gift card (costs me £1.30 for 2 of us!)

Meet Auntie in town to help her get a dongle for my sister's laptop (early bday present for her) and will get her a discount in P4U from old colleagues so she will probably get us dinner, yay!!

Check online banking

Go to old flat and finish tidying before giving keys back to landlord next week.

Maybe get round to doing some housework!!

Make stir fry for tea using frozen bag of chow mein that cost about 50p.

MrsAudus2b

Hi everyone :hello:

Friday is here, whoop whoop! Had a busy morning already, trying to get things organised for the weekend. Hope everyone is well and happy.

My list:

• Have tidied and hoovered upstairs and downstairs
• Need to take bins out and give kitchen a clean
• Write a list of little jobs for OH to do when he gets home
• Packed an overnight bag - going out with a couple of work friends tonight. We have lots of vouchers for a meal and will have a couple of drinks before we go out so hopefully will be quite MSE. Staying at a friend's and her son will be the taxi - both ways
• OH going out to social club and is driving as has work tomorrow - therefore shouldn't spend too much
• Checked online banking and moved some funds around
• Have finialised budget for month
• One of my friends birthday on monday and found a great present in my present stash/box - only started this when I joined MSE and it's been a great help already!
• Just had breakfast at home
• Need to make a packed lunch
• Leave house at 10am for work assessment
• Then office all day
• Heating off all day
• Both out tonight so saving on electricity
• Sparkle and have a good day/night!

Love to all
xxx