Friday 13/3/09 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 - pay day today!!!
• 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 .
Woo Hoo it's Friday and monthly payday, and the sun is shining too:j :j :j how good is that?:D

Hope you all have a great day, off to the recycling centre this morning with some more old furniture etc from the court - amazing what will fit into my little car:rolleyes:

Hugs to any poorly people x x x Hope you feel better soon.

See you later xx

phillipsdj

Morning all!

Today I will:

check my online banking
do my daily scratchies
phone my mortgage and switch to BTL now that we FINALLY have a tenant moving in tomorrow! :j
Work like a machine all day so that I'm allowed my day off on Monday!

OliveOyl_2

Morning All :hello:
Skipped the gym this morning
But otherwise I have/will:

• take in packed lunch
• store cupboard supper
• should be a NSD, I'm selling programmes tonight but won't take my purse so won't be tempted to buy a drink
• will charge phone at work
• Our mortgage broker will be contacting me to say if it is worth switching from our fixed rate early to take advantage of good rates now. I'm going to suggest that I go to companies that won't use brokers, and if I can improve on his rate, just pay him a fixed fee for his leg work...(he's looked after us very well for the past 15 years.)
• Collect my train tickets for tomorrow - £5 off

Have a great day everybody -I'm pleased it's Friday

ald65

Morning SM and everyone

Now on Holiday:j :j :j
todays list includes
laundry at 30
virtual sealed pot
review freezer stock[ might be able to stretch it out to pay day;) ]
stardrops sparkle to house
check online accounts
online surveys x 2
check ebay to replenish 'present' stock

enjoy some peace and quiet:hello:

Spendaholic_Chick

Happy Friday everyone! :j :j :j

Got a meeting to go to at 10am so not worth going to workfirst so have half an hour free time this morning :T

My list:

- post here to keep me on track
- free scratchcard - 20p + 50p bonus:D
- quidco clicks
- checked onepoll and pigsback -no joy
- check online banking
- update spending diary
- free lunch at work
- phone mortgage co to see if I can get a payment holiday:o
-pay some bills booo
- bingoporting later zzz

think that'sabout it for today - have a nice day all!:beer:

LilacPixie

Thank crunchie its Friday.

Today I have/will

laundry at 30,
check banks
scratchcards (35p)
Do my Grans shopping to be a nice grandaughter
sort out the final bits for charity shop tomorrow
Look at costs of gym. got 130lb to lose
phone Abbey and ask for a new pin as I have blocked mine accidently
decide once and for all if i am switching car insurance.

And that is pretty much it. I have a huge massive pile of ironing but I can't get it done with the kids under my feet so that will need to wait until weekend when their dad can take them out for a bit.

Pippilongstocking

Hi today
Lots work
Laundy later
Lodger room to do bedding etc
Out tonight and need to take a prize for the raffle so will recycle something from the pressie drawer
Paid chunk to CC now need to pay an extra bit to loan
Check banks
Order oil:eek:
Feed chookies
Shopped last night in Lidl - spent quite a bit as I don't go there very often so stocked up on dogfood etc need divide up soem fresh stuff and freeze it
Do a meal plan for the week - worked this week but it has made me very grumpy:rotfl:
More seeds to sow and make a new propagation bed with a 'borrowed - legitimately I may add' soil warming cable so I didn't need to buy one
Go to farm today and see the shed that needs all the wood cleaned up (woo hoo free wood)
Serisouly thing about a chainsaw and get cracking on stocking hte woodpile up as I am now chopping as we use which isnt much good.
Email/phone lady about the desk on freecycle as forgot yesterday
Sort out a box of cars/trains etc and brio sp? track for a lday at work as DS is too small for it now and her grandsons will love the box of cars and stuff

Waving to all hope you are good - SM sounds like you are having a cracking day

Miss_Piggy_2

Morning all

Hope everyone is well today. I'm feeling slightly brighter today, although still rough. May attempt going to work later today. Or may not. Will see how I feel come lunch time.

So today:

* Washing at 30'c
* Ironing - if I can figure out how to do it sat down;)
* NSD if I can help it
* Storecupboard dinner and lunch (freezer is chock a block as people keep giving us things!:rotfl: )
* Check on-line banking
* Send thank you note to SIL - she and my brother have said they will pay for Interflora to send flowers to Mum on her birthday (she is away in Cornwall for a few days). Bit of a relief as am broke!
* Heating off - seems warmish enough today
* Try and go to work
* Do any surveys that come thru
*

Thats about it for today. Will be trying to catch up on some cleaning and stuff but won't be doing too much I don't think!

Take care everyone!

Miss P
xx

mogchops

Hello

This looks like a very inspirational thread - I will join in with.....

- Check online banking
- Joined Sealed Pot challenge - just made my sealed pot!! :j

- Not at work on Fridays - so doing lots of housework/tidying/washing/ironing.

- Small amount of shopping to do later - and will not deviate from list!

- My mum gave me a load of Sainsburys Active Kids vouchers for the DDs to take to school - but she hasnt input the codes - so will sit & do that & try to win a sainsburys voucher!!

mizzy2

Hi everyone

today
-go to flute lesson
-practice flute
-go to rehearsal
-dissertation all afternoon
-go to friends house in the evening, will walk there
-dooyoo review, hopefully 2. ratings
-done scratchcard
-flat still tidy yay!
-had great night at theatre last night, only came to £13 in total including tickets and drinks for 2 people!

have a good day everyone

lilly81

Mornng guys,

Its Friday the 13th, and today some idiot drove into the back of me :mad:

So today I have/will:
*Rung insurance company and logged the accident
*check online banking
*go to Drs. coz of neck pain caused by idiot
*daily scratch card-50p log in bonus + 50p won :j


DS is back at school for lunch times today so free lunch for him

Lilly X