Monday 23/3/09 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
• plant some more seeds and do some work in garden
• sparkle a lot - purple cow socks today
• use lots of smilies to cheer me up

Good morning lovely dfw's.Happy Monday everyone, it's really really windy here today:eek: will probably find my new cloches half way down the garden when I go down this morning:rolleyes:
Quiet day planned at work today hopefully:rolleyes:

Hugs to any poorly people xxx

Hi to all the regulars and welcome to any newbies

See you later xxx

lilly81

Hi Guys,

Well fingers crossed today's the day I get debt free lets hope it all goes to plan :think:

Today I have/will:
*check online banking- 45p left in my current account
*daily scratchcard
*banking shuffle
*ring up car insurance to see how long I have hire car for
*go shopping and stick to list
*sandwhiches for dinner tonight as DS has school meals and I have a fast food mystery shop for lunch

Thats all for now- will post an update on my debt free status later- fingers crossed

Lilly X

P.S. I was second for the first time!

MrsAudus2b

Good morning guys :hello:

First day back at work for me :j On a training course today so it's nice way to get back into things and a shorter day. I fully expect to collaspe with tiredness afterwards tho!

Today:

• Checked online banking
• Had breakfast at home
• Training course all day
• Free refreshments and lunch provided
• Storecupboard tea at home
• Swimming tonight using pass given to me for my birthday
• I have a shiny new notebook to write my to do lists in - need to do one for this week
• Aim for a NSD

Have a great start to the week everyone
xxx

Pippilongstocking

Morning all
At airport black tights today bleugh.

Check bank
Phone evil debt collectors
Free cofee and foodon course
See oh
Out to dinner
Free hotel make most of that x

Hope u all good x

mogchops

Good morning all!!

Good luck lilly, everything crossed for you!

Today:

- Heating already off
- Packed lunches made
- DH collecting a compost bin which I got through Freecycle last night :j
- Mealplan done for the week - DH making home made lasagne tonight (got to make the most of him on his days off!! )
- Get some more seeds planted
- Check online banking
- Hopefully LSD (just got to buy daily mirror for the seeds)

Socks - none - going for sandals (in March!! :eek: Cant quite believe it!!)


Have a super doooper day!

shopaholic84

Morning guys,

Today i have/will:

• Check online bannking
• Pass my driving test - soooo nervous!!!!
• Check online banking
• work out money for next month
• Check onepoll for surveys
• Have a NSD
• List some bits on Amazon

Thats it for today, off to get ready for my driving test :eek:

xxxx

Lottebear

Good Morning,

Yesterday was quite good as it was a NSD, lovely very relaxed day at MIL.

Today I will or will.

- Daily Scratch cards 10p and 20p
- Use Gym membership
- Drop Uni assigment off £5 travel card
- Clean bathroom and hover
- Checked online banking
- Make cottage pie for dinner

Waiting for Postman to bring cheque so I can pay it in.

boopydoo

Morning everyone!!

Good Luck Shopaholic with the driving test, fingers crossed for you

Today I have/will

• check online banking
• daily scratch
• check CC statement to make sure latest payment went through
• go to Credit Union and leave in application forms
• go to Weight Watchers and get told off for being so bad all week
• breakfast and lunch from home, dinner at friends tonight
• check onepoll

Think that will do, really tired still this morning so need to give myself a shake and move it

andan

Wow, sounds like lots of people have a busy and eventful day planned.

Lily, am so excited for you, hope everything goes smoothly for you and enjoy becoming debt free.:j

MrsA, enjoy your first day back at work, take it easy and make the most of the training breaks.

Fay, at the airport, does that mean your jetting off somewhere hot and luxurious, am sure you can dream anyway!!:D

Shopaholic, good luck with the driving test, i really don't envy you, know how nerve racking they can be. Fingers crossed its plain sailing.:T

Did my list last night, so its a cut and paste job today! Fairly busy day but want to catch up on quite a bit today, as the weekend was fairly relaxed for me.

Today's list:
-Go to college, all part of big plan, plus get paid to go!!
-Do daily scratch cards
-check meter readings and input in site
-Load up car with garden waste ready to take to the tip
-Sort out problems with gift voucher sale
-Sort through emails
-do some surveys
-Go to second job
-Post love film dvds back, receipts and letter cancelling course
-Give OH some money towards bills
-Check online banking
-Move money around as necessery
-Find a way to fix lights on bike
-Deliver gift voucher if necessery
-Read ten pages of O.U course
-Spend thirty mins in garden
Type up two childs obs
Sort through dry clothes and put away whilst trying not to have to iron any
-Read fave threads
-For lunch have extra lasagna made yesterday
-Complete counselling wk 10 diary
-look for cheap travel to Oxford
-Read business site for advice
-Check business emails, optimisation and marketing sites
-spend fifteen mins on marketing business
-Check on seeds and plants growing
-Fill in child massage forms ready to send back
-Look for cheap car insurance
-Check out business finances
-Review 101 goals
-Check to see where I can get rid of scanner best
post on freecycle regarding some grass seeds
-Keep heating off as long as poss
-Fill up small bottles with water so I don't buy pop whilst out and about
-Take food to college with me so I don't buy anything whilst I am hungry
-Continue putting pregnancy massage on website
-Look for mystery shops
-Do emystery shopper mystery shop
-Arrange an appointment with another client
-Sort out and send off gift voucher for another client
-Wash and put away all dirty pots
-Clean the kitchen
-Put all dates in diary including mystery shops so I don't overbook myself again!!
-Sort out basket of clothes and see what I can get away with not ironing and then put those ones away, ironing will have to wait till tomorrow!!
-Check out when we are going to the theatre with free tickets and invite my mate along

Have a great day guys and i will catch up with you all later, enjoy the sunshine if you have any.

Bagpuss741

Today I have/will

1. Checked online banking
2. NSD
3. Play free scratchcard
4. OU Coursework (Start assignment:eek:)
5. Walk dog
6. Store cupboard meals
7. May clean bedroom as it looks like a bomb has hit:eek:
8. Going to see Mary Poppins but have already paid for tickets and will take own drinks etc.

angelflower_2

Hi all

Did read the weekends but didnt post. was a half and half weekend. Lots of frivolous spending as well as a nsd. Didnt do half of what was planned - ok, so none of what I planned but never mind. Today I will

- source a cheap repair for the car (pup chewed through all the lights wires on Fri and now I can only drive when its light) taking it to work mates husband tonight and got two offers through facebook so good start
- scratch and click 10p, 10p, 4p, 1p
- check banking family allowance in but have to go get bigger dog crate for car now
- check credit card as expected - balance coming down
- meal plan for this week
- joining the April grocery challenge as have realised that is my biggest downfall
- check to see if any seedlings have emerged not so far
- iron and put away clothes (and all the bed stuff I did and dried on the line on Sat although I prob wont iron that)
- do some of my assignment for OU. 1 due in tonight and 2 due in on Thur eek!
- work really hard - have a horrible feeling one of the girls in my office isnt going to show up for work today. She was really unhappy last week and so far she hasnt turned up. Could make things quite difficult. she has arrived but still seems very unhappy. Wish I could help her