23/02/09 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 and 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 work to do at weekend
• sparkle a lot - purple cow socks today

Good morning lovely dfw's Back to work again, quiet day expected here.
Hugs to any poorly people.

Hi to all the regulars:D and welcome to any new posters:j,

Catch up with you all later peeps:D

Candy0107

Hello All,

Thanks for posting this so early Sophiesmum - I can post before I start work

Today I have/will

Breakfast at home, lunch bought in from home
Submit my timesheet so I get paid on Friday
Daily clicks
NSD
Checked online banking

Think that is about it - will post again if there is anything else.

Take care
Candy xxx

pixiechick99

Morning!!
Hooray you're nice and early today SM....catch me before I go back to work...booo! but going on a school trip to a farm so quite a nice start to the week;)
Here's my dfw list....

• NSD hopefully (no purse going with me!)
• Check banking
• Scratchcards
• Meal plan for next week, write list and start Tesco shop for weekend delivery to get the 1000 points
• Store lunch and dinner (pasta carbonara today)
• Wrap ebay sales later
• Heating off hopefully

Think that's all, not a very long list but back at work and expecting to be tired later:o :rotfl:
Have a good day all;)

MrsAudus2b

Morning everyone :hello:

I have the day off work today - up nice and early and will enjoy pottering round the house getting some jobs done. OH has just left for work and is taking my car for its MOT...fingers crossed!

My list:

• Have breakfast in a moment with a nice cup of tea
• Present list - have several birthdays coming up in March. Will start planning now and look in present box and on the special occasion board for inspiration.
• Go on library website and look at DVDs to borrow rather than buy for me and OH
• Check freecycle
• Check online banking
• Check Quidco
• Clean out rabbit
• Clean out fish
• Enter 10 competitions
• Update wedding files
• Look on post office website to find nearest post office to work so I can buy car tax tomorrow
• Update my monthly lists of things to do
• Email best man wedding updates
• Cancel Ann Summers party which I felt pressured into having when I went to my friends one. Although they are free to host, I didn't really want to hold one and can't afford to buy anything. Really need to become more assertive and say no sometimes!
• Ring grandad, nanny and a close friend using free minutes
• Friend and her little 'un coming to visit this afternoon
• NSD other than MOT
• I have given OH some money for the MOT which I have saved since xmas....really hoping I won't have to spend any extra on it
• Saving petrol by not going to work - OH saving petrol by not using his car
• Heating off for as long as possible
• Housewrok jobs
• Proper scrub of bathroom
• Text couple of friends I haven't seen for ages using free texts and arrange when to catch up
• Storecupboard lunch and tea
• Staying in tonight
• Get everything ready for work ftomorrow
• Update my diary
• Catch up on favourite diaires
• Have a general nosy about the forums for inspiration!

Right I better cracking!
Love to all
Have a good day
xxx

ragstoricheswannabe

Good morning everyone, can not believe it is the last week in feb!!!!! but on th eother hand also counting down the days till pay day..........................

Anyway, today i will:

• Loaf in the bm
• bake some yummy biscuits and cakes for oh and ds1 (i may sneak one or two.....:rolleyes: )
• washing hokey cokey
• IRONING!!!!!!!! (keep saying it but never seem to do it)
• post ebay items
• need some more teething stuff for ds2 so a light spend day
• cook tea according to meal plan (yummy chicken biryani tonight.......:D )
• ring old gas and elec supplier and move date to pay final bill till after pay day
• try and list some stuff on ebay
• sort the rest of the ebay bags out and photo ready to list
• try not to eat all the banana bread i made the other day
• healthy food from cupboards for lunch (making an effort to lose weight now)
• do my sun dance so can dry clothes outside instead of using the dryer
• daily clicks and scratchcards
• find some cheap essential oils to make my own air freshner for bathroom and kitchen
• just me and ds2 today so heating off and windows open to air the house
• send voucher to new gas and elec people to get £30 off elec.
• ring house phone people and reduce package
• get oh to cancel his second phone

Think thats enough for one day as still have to entertain ds2 in amongst all that!!!!!
Hope everyone had a good weekend?
love rags
xxxxxxx

cassey1

Morning Sophiesmum and everyone. I have a day of work today:j ,so thats why i am posting early.
SM,thank you for posting and hope your DD is feeling ok today.
Mrsaudus,good luck with the MOT.

Today i have/will
do odd jobs around the house,that i never have time at the weekend.
done Wii fit.
made a smoothie.
lunch from store cupboard.
tea at mums.
go visit a friend,only roud the corner,so can walk.
check on line banking.
NSD,which is good for me,as in the past when i had a day off i would have gone into town and spent too much money.
catch up on threads.
do comps.
do surveys,if any.
take bottles to bottle bank.
check freebies board.
done quick wash,drying on airer.
finish on line shopping.
complete card order,so much cheaper than buying in shops.
check present box and wrap presents.
heating off.

think thats it for now,catch up with you all later.

bathgatebuyer

After yesterday's big decision, I've been reading through Martin's buying and selling money saving tips as my flat goes on the market this week (SHHHHHHHHHHHHHEEEEEEEEEEEEEEEEEEEEEEEEEEEEET!) :eek:
Will also speak to a broker today;
Stopped plans for a trip abroad at the end of April to save the £180;
Still excited about the new house and only about 10% of regrets over what I've done!

Piquant_2

Good morning, how are you all?

Bathgatebuyer, I missed your big decision, what is it? and I hope it goes well for you, of course!

I haven't been on the thread as much as I should have recently, things are very difficult at work and it leaves me feeling quite down at times and very lethargic. I haven't stopped any of the DFW ways, if anything, it's made me tighten the budget even more. I've actually managed 20 nsd this month!

So, today I have/will

• made a loaf in the breadmaker
• only had £10 for groceries this week, so only bought fresh veg and cheese everything else out the cupboard and freezer!
• bought in breakfast and lunch
• check online banking
• update spreadsheet
• pay spare council tax money to the credit card
• pay lottery win (£10) to the credit card
• charge phone
• go to library

see you all later

angelflower_2

ooooh, bathgatebuyer - missed that yesterday. Is it the shared ownership one? (Will go read in a mo)

I dont normally mention my socks but am proud of my stripy frog toe socks I have on today. No one really knows I have them on but me but its cool.


Today I will

- check banking
- scratch and click
- do letters (again, always say this but never do it)
- read the weekends news on the bbc site
- do lots of work
- one trip to horse
- storecupboard breakfast and tea (boots is a calling me for lunch)
- catch up with friends using email (mobile voucher run out now)
- get new access card for work so I can use the gym out of hours
- walk dog for excercise


Will write any others as I go along.

Also, had a NSD yesterday - hardly got out of my bed!!

OliveOyl_2

Morning All :hello: I wish I could say it was good to be back at work (I don't feel too bad, but I'd rather be on holiday ) But I have my Betty Boop socks on and am sparkling

Today I have/will:

• had breakfast (saves me choccie bars from the machine so is MS )
• brought in lunch - HM soup and HM cheesy bread, 2 week old banana and last of the Christmas Stollen :rotfl:
• will get quotes for my car insurance and use Quidco etc
• clicks and scratches (I struggled to remember my login details after 2 weeks last night :rotfl: )
• go to the gym to use my membership
• supper is currently defrosting in the fridge (takes longer, but reduces the running cost of the fridge )

Have a great day everybody :A

Mrs Audus, if you have a modern insurance co and a modern MOT certificate it is simple & straightforward to renew the road tax on line - but good luck.

WelshWoofer

Morning all!

Hope we are all well?

Today I will/have...

• Finish putting the house back to normal after guests - nearly done
• Have a LSD
• Brought lunch to work but forgot drinks
• Make tea from the wilting bits in the fridge
• Done a mealplan for the week (we're away Sat/Sun so only 5 teas to think about)
• Checked banks etc
• Check Quidco
• Look at progress of teaching application on line
• Walk dog for free exercise
• Put the washing away
• Watch the soaps and 24 to recover from the hectic weekend
• Oh, do some work!

That's it for today.....