Tuesday 10/3/09 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 - only 3 days to pay day
• 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
• sparkle a lot
• use lots of smilies to cheer me up

Good morning lovely dfw's, Hi to all the regular posters and welcome to any newbies .
Busy day aheaad at work putting everything back into my office now decorators have finished in there.

Have a greaat day everyone. Good luck to all the job hunters xxx
Hugs to anyone feeling poorly or down - hope you are feeling better soon xx

Catch up with you all later .:D

Pippilongstocking

Morning all

Sunny here I am in the right place.

Today
Check bank and work out how much extra I need to put in for car tax etc this month
Pick up desk from freecycle
Glass door people should come to quote to fix my door (broke in the wind yesterday) GRRRRR
Do lots work
Laundry hokey cokey
Store cupboard tea - Shepherds pies
Sandwiches for lunch as will have to go to another town for the desk at lunch
Read some more of library books
Bake tonight for the biscuit monster
Charge phone at work


Morning all sleepy here - catch you all later xx Good luck with moving stuff back today SM

Look for socks - flowery sock (green) and stripey sock (rainbow) - all (or at least all the ones I can think of) my other socks are off hiding/nesting/partying being silly somewhere - need for action soon.

3 baby teeny weeny tomato seedlings through - hurrah.

DawnW

Morning everyone :wave:

I see you have beaten me to second place again Fay! Or it might be third or fourth by the time I have finished typing this

So far I have:
Checked online banking
HM breakfast

Gosh look at the time, I will have to get on in a minute!

Later (but not MUCH later :eek: ) I will:
See to animals and open greenhouse window to give small plants some air.
Go to work taking HM soup for lunch
Boring and probably pointless meeting at work :mad:
Need to stop off at the supermarket for a few bits on my way home tonight, as I did a very small weekend shop as in a rush - oranges and tomatoes spring to mind.
Only buy what is on my list
Look at prices for a new laptop :eek: as my old one keeps conking out (on a work one at the moment) - NOT MS alert!
Storecupboard supper

Have a nice day everyone :j :j :j

mizzy2

Morning everyone

today

-have lunch with friend at uni
-go to lecture
-dissertation all afternoon
-nvq tonight get paid to go
-on way home go see friends new baby guinea pigs!!
-dissertation all night only 1 1/2 weeks to go eeek!
-dooyoo right now

have a good day everyone

OliveOyl_2

Morning All :hello: Glad you've got rid of the decorators without resorting to violence SM

Today I have/will:

• sold another book on Amazon :j
• sold an old mobile for £3 - best price I could get, it was so old most places would only recycle.
• taking in a packed lunch - HM soup and hopefully the last of the doughy old bread
• make a loaf in the BM - it is now 15 months since I bought a loaf
• last of Sundays roast in pasta tonight It was only a small joint but will have done 9 person meals
• Successfully Claimed £20 from the company who transfer Popeye's money as they were so slow I incurred a £22 charge. :beer: Have also written to my bank for an explanation for their delay
• will e-mail our broker to ask his opinion on moving our fixed rate now....

Have a great day everybody

MrsAudus2b

Good morning everyone

Thanks again for all birthday wishes yesterday :T

Today:

• Need to update my diary
• Need to catch up on my favourite diaries!
• I am not going to buy any magazines today - mum gave me two big wedding ones as one of my presents yesterday - going to plough my way through those!
• NSD
• Storecupbaord meals
• Watch last night's Eastenders on i-player
• Going to get cracking on with some wedding planning today - yesterday I bought card materials online and can't wait to start making them (much more MSE than buying invites!) Lots of other planning to do but really enjoying it.
• Relax and recover
• Phone doctors to make appointment
• Heating off for as long as posible
• Must get round to replying and catching up with people on facebook
• Enter some competitions
• Washing at 30
• Spend some time on MSE wedding board

Think that is about it
Have a lovely day everyone
xx

Horace

Morning everyone

I managed to save my neighbours from using their alarm clocks as my car alarm started shrieking at 5.50am so I had to get up and go and sort it out:eek:
Have stripped and remade the bed
Look at writing up my two remaining assignments - HND here I come:j
Need to wash up last nights dinner things
Put leftover beef in fridge
Vacuum
Water seeds
and go and put some money into my business bank account.
Check online banking.

lilly81

Hi Guys,

Yesterday my creditors refused my offer of £2200 to clear the debt, but they did reduce their settlement discount to £2900, shame I havent got that much!

Today I have/will:
*checked online banking
*do 2 mystery shops- ones for petrol and the other is for food:cool:
*make HM pizza for dinner tonight
*Daily scratch-10p :j
*Daily clicks

My DS has been excluded from lunchtime at school :mad: so instead of the free school meals I will have to pick him up, take him home feed him, and take him back, all by car coz of my hip problem

Lilly X

Miss_Piggy_2

Morning all!

Getting on here early(ish) today in an attempt to get myself in gear and get something done!

MrsA - bet you are excited about doing your invites? Hope you had a nice Birthday!

Fay - very annoying about your door. Hope it doesn't cost too much to replace. Very windy here yesterday too - was cleaning SIL's house (very old thatched cottage) and there were lots of spooky creaks and groans!!!!

Right. Here's my list for today:

* Check on line banking - done :eek:
* Storecupboard lunch and tea
* Pay Studio
* Think about doing ironing that didn't do yesterday
* Look for stuff to ebay
* Do any surveys that come in
* See how much SIL needs towards flowers and champagne being sent to Mum on her birthday (and keep fingers crossed its not too much:eek: )
* See if friend available for coffee tomorrow
* Price up hamsters and cages (don't ask!!!)
* Transfer money into paypal from survey site

Thats about it to be going on with I think!

Miss P
xx

Pippilongstocking

Miss P

Freecycle v good for hamsters and cages.
We got one cage from ebay as well - prior to my knowing about freecycle.
IMHO - guinea piggies nicer than hamsters (for kids) - but dont tell HP.

Did you forget ironing was illegal???

Door - hmm I could have kicked myself - typical me - more haste less speed.

BusPass_2

Hi all

Off and running again on another lovely sunny day but I had to scrape the ice off the car at 6.30 a.m. this morning.

Today

Working overtime until 9 tonight(That's another £100 less tax ) Great to have a job when I hear about all the redundancies going about. I just hope I don't become a victim.
Showered with hotel soap and shampoo gained on a recent break.
Central heating off while wife and I are at work.
Check bank balances ( I am expecting a £67 odd refund from BT for overpayment on D/D)
Drove cannily to work.
Sandwiches for lunch.
No spend day ( no D/Ds or S/Os to come off bank account until 15th. I can accumulate a few no spend days before then.)
Walk in the sunshine at lunchtime. It's free and makes me feel great.
Home made soup and a roll for supper tonight. God, I sound like Scrooge, it'll be gruel next.
Window shop when I'm out for my walk and spend Zilch.
Office tea and milk used while working overtime. ( Nice wee perk)
Forgot to pick up my mobile this morning. It is Pay As You Go so I won't spend any money on mobile calls.
Read newspapers online.

That's enough for one day. Hope all you other DFWs are keeping going. The journey can be enjoyable and reaching the destination..... well, what can I say?