Monday 16/3/09 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
• 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 .

Expecting a quiet day at work today:rolleyes: , might do a little gardening in lunch hour if I get the chance. Sun is shining and it feels quite warm so far:D

Have a great day at work/home everyone. Sending hugs to any poorly dfw's - hope you feel better soon.
Take care everyone.

Catch up with you all later xxx

Cleosmum

Mornin Sophiesmum!

Uhm checked banking and here, thats all I have time for, will update with proper list later x

Sunshiiiiiiiine here I come!

Miss_Piggy_2

Morning SM and all that follow!

Sat here waiting for 8.30 - doctors phone-lines open then and its always a pain to get through. Will start hitting the redial just before 8.30! Still deaf as a post this morning...its really disconcerting! Throat still bothering me too. Think they may as well just put me down!!

Anyway, here's my efforts for today:

* Start a new "to do" book after Piglet liberated my other one and scribbled all over it :mad:
* Storecupboard dinner (cooked double of a roast last night)
* Ironing possibly if I can be ar*ed!:rotfl:
* Check on-line banking
* Do any surveys that come through
* Not a NSD - need milk but will resist all other goodies
* Heating off as quite sunny
* Try and work up energy to make Twinks hobnobs


Thats all for today!

Have good days everyone

Miss P
xx

pixiechick99

Morning:D
Having day off work today as feel so wiped out still - hoping I can get a doctor appointment. I'm wondering if I'm anaemic again, has happened before as the Crohn's stops my body absorbing iron and B12. Hopefully get it sorted soon. Have just got the girls off to school, so waiting for doc surgery to open, then off to bed probably!
I'll write a little list anyway...keep me on track;)

• Check banking
• Move £10 TAB scratchcard money to savings
• Scratchcards - 10p + 20p
• Withdrew £10 from Littlewoods bingo:j
• Probably NSD
• Have a browse on here later - new ideas

That's my lot I think for now!
Have a good day everyone;)

mogchops

Good morning!!

Today I have already:

- turned off heating when I got up because it was warm
- Made everyones packed lunches

I will be:

- Making tea with leftover roast chicken from yesterday, (Curry) and also boiling the carcass to make soup for the first ever time (using recipe from the rubber chicken thread!)
- Hoping to keep my job!!! I am "At Risk" of redundancy, have had all the interviews where I try & convince them that I am wonderful & they cant manage without me and today might be "finding out" day. I've been there 15 years, really dont want to lose my job!! Fingers crossed!!!

Will let you know later........keep everything crossed for me

Pippilongstocking

Morning all

Bank
Lodger
Tea and lunch from cupboard
Presentation today
Hokey cokey
Thats it for me today I think
Made twinks hob nobs this am whilst waiting for lodger chap to come
Charge phone at work
Must get bread later but might leave it until after 8pm

Waving to you all, feel more human after 11am and presentation is done
xxxxxxxxx

Hi SM
Miss P good luck at docs

Candy0107

Good Morning

Yay its Monday, back to work!

Feeling really good this morning (not too sure why) the sun is shining, I am able to hang washing outside (so my T Shirts smell lovely)

Today I have/Will:

• Breakfast at home
• Charged my mobile while electric is cheap
• Out of bed at 5, showered and dressed by 6:30
• About to make lunch to take into work
• Washing already in the machine, should be done in time to hang out to dry while I am at work
• Done daily scratchy – 25p
• Checked on seedlings – my fennel has started to grow
• Might pop into town after work and return a pair of trousers that I bought and I now regret buying
• Checked online banking – no surprises there
• Emailed an agency who sent me a text on Friday wondering whether I was still looking for work
• Emailed my previous agency to advise them that 1) I have claimed holiday – do they need to do anything 2) chasing my bonus from previous job 3)advising them that I am still available for interviews etc
• Dinner from storecupboard

Think that is about it, take care everyone and have a good day

Hugs to anyone who needs them x

Candy xxx

Cleosmum

Miss Piggy and Millyscarlett - big hugs, take it easy and hope you are both feeling better soon x x

crazyaboutsaving

Good morning,

Another bright and sunny day!
Today I only have a few things to do:
- Not an NSD, need milk and cream, but will avoid temptations!
- check banking/deposit cheques
- Make carrots muffins...yumyum!
- do online surveys
- no heating on since it's warm out!
-plan storecupboard meals for the week.
-matbe do ironing if bothered....

That's all!
Have a great DFW day everyone!

shopaholic84

Morning guys,

Today i have/will:

* Played daily scratchcards - won 10p and 25p
* I woke up at 5am this morning and couldn't get back to sleep, so emailed a few dentists to finally sort out my implant and get a few prices together
* Checked online banking
* Off to London today with my mum and sister, i put £50 aside for today so will make sure i don't spend over that
* Check out money saving opportunities
* Look for a 2nd job

I think thats about it for today.

xxx

OliveOyl_2

Morning All :hello:
It is gorgeously sunny today :j and I went to see DD at the weekend :j so will include some of the weekends work
Grey woolly socks? So what! I SPARKLE!

So today I have/will:

• been to the gym to use membership, and use their hot water and toiletries
• charging phone at work
• brought in packed lunch (HM beetroot & goats cheese pasties )
• continue building raised bed with pallets free from work - they're quite difficult to disassemble this is taking time :rotfl:
• germinating parsnips on kitchen paper, planted some chilli peppers and my sweet peas and garlic are foing really well (I'm surprised!) Someone on this forum told me about a sale last Autumn at Wyvale of their really old stock - I have LOADS of seeds, but it'll be a lottery if they grown or not.
• Preparing toilet rolls, with used teabag at the bottom and filled with soil for all those seedlings that hate their roots being disturbed. :money:
• Checked my mortgage with the new calculator that Martin has made, but to redeem my fixed rate mortgage early would incur a penalty of £4,500 :eek: :eek: (we'll wait until September )

Have a great day everybody :A


*NB do not skim read, Bank, Lodger not only turns into Bodger, you then end up with an irritating tune in your head :rotfl: