Thursday 26/3/09 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 - stripey socks socks today
• use lots of smilies to cheer me up

Good morning lovely dfw's hi to any new posters and a big wave to all the regulars. Can't believe it is tHursday already today:rolleyes: got a telephone conference booked this morning so will be pinned down in the office for a couple of hours:rolleyes:
Hopefully will get some pepper and tomato plants moved to greenhouse at lunchtime which will give me room for more seedlings in the flat:D

Sending hugs to all the poorlies xxx

Have a great day everyone - will catch up with you all later xxx

boopydoo

Am I second??

Morning All! Such a nice day today, just perfect for sitting in a library typing an assignment!

Today I have/will:

• check online banking
• go to bank and pay money in
• make CC and savings payments
• do assignment for uni :mad:

Assignment will take up most of my day, want to get it finished this week so I can chillax next week before my birthday :j

Have a nice day everyone

boopydoo

Woohoo I was!! That has brightened up my morning- how sad:rotfl:

Bagpuss741

Today I have/will

1. Checked online banking
2. NSD
3. Pay credit card online
4. OU assignment:eek:
5. Walk dog
6. Store cupboard meals
7. Watch in the valley of elah so I can send it back to tesco
8. Free scratchcards
9. Enter some comps off the comps board

lilly81

Hi Guys,

Today I have/will:
*check online banking- missing TC have gone in
*amazon have emailed me a tracking code for the bank to chase up missing payment
*going to view 2 cars today
*cancel childminder as im stopping college
*look online for a car
*use my mates which code to look up cars :money:
*stick to meal plan
*daily scratch-10p :j
DS is back at school today-fingers crossed he doesnt get sent home again
Have a good day everyone
Lilly X

mogchops

Morning all

Pouring with rain here, kind of matches my miserable mood!!

Been off work all week now, am actually feeling a bit better today which is good, but I think because I've been in all week (apart from school runs) I'm starting to climb the walls!! Today is officially my last day off sick, as I dont work on Fridays anyway, so I will be back to work on Monday. DH is working late shifts this week, which means he is asleep all morning, then goes to work in the afternoon, & gets home after I'm asleep! So we dont really see each other!

Money wise, things are ok, am keeping to my budgets etc, & havent run out yet So thats all good. Just need to shake myself up a bit I think!


Soooo.....today:

- Check online banking
- Sweet & Sour chicken & mushrooms & rice for tea (chook in freezer, sauce in cupboard)
- Washing - hang on airers (see weather report above)
- Hoover & tidy lounge
- Change our bed
- Check my seeds and have a nice chat with them
- Make DH packed tea to go to work so he doesnt buy anything :rolleyes:
- Sort DH's drawers of clothes while he is at work & get rid of old cr*p that he doesnt wear
- Make a Boots list - got card statement yesterday, got £12 of points! :T So the shampoo/deodrant that I was going to buy in Tescos on Sat will come off that list and onto a new Boots list.


- Younger DD is supposed to be having a sports thing this afternoon - but not if the rain keeps up I fear. Fingers crossed that it stops!
Thats better, feel a little more focussed now!

Have a lovely day everyone xxx

pixiechick99

Morning!
Not really very much for me to do today...still at home (bored) but need the rest:o
Thank you to all who posted their scan experiences;) All sounds delightful...but if they can find out what the pain is then that's fine:p

I have a friend who's off wor too coming round for coffee later, we can be poorlies together:rotfl:

Here's a little list then...

• Check banking online
• Move Tax credits to spending account
• Move PaydayUK loan to savings, ready for them to have back next month (plus a bit:rolleyes: ) - £65 Quidco tho'
• Move £10 of TCs to girls' clubs account (eeek, all due soon)
• Scratchcards...25p and 50p wooooohooo
• Attempt to tidy up today:o
• email college tutor as she's hounding me for my final (as yet unfinished) unit
• NSD hopefully - didn't manage it yesterday, bought books from School Link for girls for Easter:p

Ok that's all for now...must decide whether to get dressed now or have a lie dwn as I prob won't have time later today....oh such huge decisions in my life

Pippilongstocking

Morninng all

Hello and sun is shining in Orkney - put a mark in the calender!!!!

Today is paper day so thats always fun - try and read it at work
Library books to take back and books to take out too
[STRIKE]Check bank[/STRIKE] teetoring but OK
Fizz over whether or not my new lodger is or isnt moving in (secretly fizzing today as if he doesnt move in tomorrow then thinking of saying its all off
[STRIKE]Washing in on and out - turnaround........and thats what its all about[/STRIKE] 2 loads on line
Horribly behind at work so do some of that (save job)
Think hard if in long term want to keep job - need to form a cunning plan either way
[STRIKE]Pay some to scary loan but not much as mega shop in early april (hurrah)[/STRIKE] £5 off
[STRIKE]Check oil devivery as we only have half a tank - ? I ordered a full tank[/STRIKE] odd its only half full (just over might phone them and ask but I have an invoice for 1000l)
Had a shower and am all sparkly with stirpey socks on with peedie dogs on them
Campervan t shirt - must drive darwin later and give him an 'air'
BBorrow cultivator/rotavator at work ask very nicely
[STRIKE]Check seeds[/STRIKE] another tomato up - and some red lupins
[STRIKE]Have slug hunt and treat Barbara and Margot to some yummy slugs[/STRIKE] 7 slugs no eggs - hopefully the ladies will provide later - RM do post slugs speakign from experience!
[STRIKE]
Big cotton quilted bed cover in the washing machine (previously have only taken it to the laundrette - but costs over 10 quid - so will see progress)
DS done his washing for his holiday so that's on the line
[/STRIKE]
Bless - 7 pairs of everthing - awww
[STRIKE]Phone pal and see if we can catch up so I can give her some cash..[/STRIKE]
Walk doggintons maybe at my experimental plots to check on the old willow chaps
Look out portable dvd players for her to borrow for the trip
Make sure DS charges phone..........
Figure a plan for going south on the boat and see if its best to get work to book it in advance rather than me pay first
Also, found a signed expenses sheet for Oct (whoops) only 20 quid but its twenty quid

Hello to all and waves in the manner of a lady who is excited cos the sun is shining

OliveOyl_2

Fay if Margot & Barbara want to come and visit me then they'll have a FEAST
*I wonder if the Royal Mail allow you to post slugs?*

Anyway, Morning All :hello: Thanks SM, congrats Boopydoo
Today I have/will:

• scratch'n'click ~another 35p :j
• ask boss if I am allowed to get rid of the pallets for him, apparently they pay a couple of quid up the road for each of them.....
• on-line banking - it has to be watched VERY closely at this point in the month
• take a poacked lunch to work - and eat a breakfast to avoid the vending machine
• monitor the said vending machine for money left behind (I got 35p last week, the new machine is confusing people )(It's in a public building there's no telling who left it and when)
• pluck up courage to make an official complaint to my boss (at the same time as asking for the pallets? :think: probably not :rotfl: but I'll start adding it to my daily list until I do it :rotfl: )
• Reduce, Recycle, Reuse (copyright SM)
• I've cleared a shelf in the freezer for the two 75p chickens that lodger has brought home :j
• nurture my seeds in the hope that they might sprout

Have a great day everybody.

Lottebear

The weather here is dreadful, windy and pouring down

Today I have or will
- Daily Cards 25p and 10p
- Checked online banking
- Washed up
- Try and tidy the house
- Pop into town and see if I can find some new trainers but not to buy until payday.
- Try and have a NSD

nunnygirl

Morning everyone:j

No rain here yet but it's threatening to, hopefully I can get to town and back before the rain starts:mad:

I've got to

• Post my mum's birthday present
• Finish my two faceless sock monkeys that I started yesterday
• Watch one of my 3 new films from LoveFilm
• Sleep!! I was up at some ungodly hour today and I'm starting to feel the effects already!!!

Not going to be a NSD but when I come back from town thats it. I'm locking the door and telling OH to hide the keys!!!