Monday 2/3/09 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 housework at weekend
• try and do something in garden towards veggie growing
• sparkle a lot
• use lots of smilies to cheer me up:D

Good morning lovely dfw's, Hi to all the regular posters and welcome to any newbies .

Don't know what happened to the weekend it just disappeared , back to work again:rolleyes: . Need to make a start on moving stuff out of office ready for painters tomorrow - not a clue where to put it all in meantime - should be fun.

Hugs to anyone in need, hope you are feeling better soon.

Catch up with you all later xxx

Pippilongstocking

Morning all

Today
Lodger breki, room and tea
Tidy bathroom
Do some PhD work
sow some seeds tonight if I have managed to do enough work
Feed chookies
Parcel to post
Phone debt company re debt that i have no iidea what it is
Garage door being dodgy so I need to look at that
Tea, lunch from cupboards
Chookie eggs for brekkie
Checked bank - all OK but teetering on a knife edge due to silly purchases last week (lawnmower)
Update spending diary
Milk to work to pocket a quid
Write down books from YB to see if I can get them from the local library
Payment a day to hairy loan probably not much though.
Speak to OH as he has a huge meeting today with American visitors and he thinks some folks will be made redundant
Probably need apples, crisps and diluting juice - hmmm I am not supposed ot be shopping this week. LOL

Waaving ot you all - PJ's on under jeans as our heating isnt working lol

Miss_Piggy_2

Morning all

SM - sounds like you are having fun (not)! I really hate that state of upheaval when decorating is going on.

Mrs A - hope you are feeling a bit better today?

Morning Fay!:hello:

Well, I think I'm going to hibernate till next year as this year isn't turning out so great. Now my Piglet has a stomach bug. I don't think any of us have been well, in one way or another, since the beginning of the year! I've had just about enough of it.

So, I have ensconced piglet on the sofa, complete with bowl and postman pat. Don't know if I'm going to get much done today now but I'll give it a go!!


* Washing at 30'c - try and get it out on the line as looks sunny.
* Get dressed (trust me, this is a tough one today......:rotfl: )
* Check on-line banking
* Hopefully get to work on time
* Do Paul McKenna CD
* Storecupboard dinner
* PAD - pay something to studio


Thats about it. Must also get meal plan and "to do" list done. Didn't do them yesterday or saturday

Have good Mondays all!

Miss P
xx

Bambywamby

Morning people

Hope it's as sunny for you guys as it is for us in East Yorks...tis beautiful.

Well on todays agenda I have...

Two hours studying
Dust the lounge with microfibre cloth and homemade orange oil polish (for fireplace)
Make lunch (brown rice and salmon salad)
Hoover through
Wash pots
Check bank balances & credit card balances
Do click throughs & surveys
Ebay three items
Work 11 hours O/T tonight
Have a hot bubbly bath (not money saving but they are my treat)
Have a manicure and pedicure at home
And today should be a no spender apart from milk.

Have a fan-tabulous day ladies and lads,

Love Bam x

OliveOyl_2

Morning All :hello: Thanks SM

Fay what should I be planting then?? And where?
Still no sign of my garlic and broad beans........
But I have set up my little growhouse so can plant seeds in pots/trays....if it isn't too early. I'm sure they said snow was on its way.

So today I have/will:

• been to the gym, used their hot water & toiletries, used my membership.
• brought in banana bread for brekkie and soup for my lunch
• will do scratch'n'clicks
• will def. do a menu plan tonight, keep finding excuses for not doing it (can't find glasses for eg :rolleyes: )
• nearly finished walls in DS2's room so will do that tonight.
• charge phone at work.

Not a lot really. Must get back into e-baying, must sell the old piano, must must must.......:o

MrsAudus2b

Good morning all

Sun and blue skies out of the window today - always a mood lifter.

:wave: to Miss Piggy. Feeling a little bit better every day thank you and can now move about unaided (but very slowly!) Today is first day 'home alone' although I'm being visited at lunchtime! Hugs to the little piglet, hope he feels better soon.

Today:

• Phone work to update them after contacting doctor on Friday - signed off until 10/3 when I have an appointment to see how I'm healing.
• Heating off all day
• Storecupboard meals
• NSD
• Browse t'internet for b-day presents for best friend and OH
• Enter some competitions
• Have a look through wedding plans - play around with budget
• Go on library website to look for DVD hire
• Catch up on diaries
• Browse forums for inspiration
• Rest and recover!

Love to all
xxx

Pippilongstocking

Hope your parcel arrives today Mrs A - xx

bathgatebuyer

Currently updating one of my spreadsheets - by getting some PPI monies back from Egg, I'm now 9 months closer to being able to close that credit card!!! Woo hoo!!! (Balance is now £700 and I should be able to pay that off by July or so);
Will check Pigsback for points - I'm due some from Ebay;
Will check Valued Opinions as I've got about £4 pending and I'm sat at £9.60 so due another voucher very soon!
Day off today so no need to spend money on buses or anything but will put thirty quid of petrol in the car for the trip to my Mum's tomorrow (and she's paying for the petrol to Anfield on Tuesday!).

Although not an NSD, I'm just choosing to buy the petrol a day early otherwise it would be! Happy days!

Pippilongstocking

Olive

I am starting off my tender things - tomatoes and alike

And hope to ahve sown the less tender annual seeds later this week

Leaving peas and beans for a bit yet - couple weeks prob - but my season is shorter up here - xx good luck xx

claireabelle_2

:hello: morning all
it's a gorgeous day here today but meant to snow 2mw?!
Today I have

• checked my banking for my expensive weekend entertaining the parents and a 30th birthday most of it was budgeted but still a bit :eek:
• paid off £612 on 2 x loans - direct debit
• brought in brekkie and lunch

And I will

• call abbey zero card to see why my end of Feb DD hasn't been taken don't want any charges because I shall be most grumpy if there are!!

Have a great day
xx

OliveOyl_2

fayjmck wrote: »

Olive

I am starting off my tender things - tomatoes and alike

And hope to ahve sown the less tender annual seeds later this week

Leaving peas and beans for a bit yet - couple weeks prob - but my season is shorter up here - xx good luck xx

under glass I presume?

Sorry to be so Dim