Fridy 27/3/09 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 with oldies
• 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 but may need to call vet for DD's horse so not looking good
• plant some more seeds and do some work in garden
• sparkle a lot - purple cow 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.Woo Hoo it's Friday almost the weekend.
Coffee morning this morning for oldies and then cooking tea for them tonight so will be eating for free. Might have to get the vet out to DD's horse today:eek: , he was presenting with a stiff/lame back leg last night. Hopefully the cold soak, bute and rest will have helped him, if not vets it is.

Have a great day everyone, hugs to any poorlies xxx

Catch up with you all later xxx

Miss_Piggy_2

Good morning Sophiesmum and all that follow!! EDIT oh I was second..ooh ohh!!! (I must get out more......)

SM - don't envy you if you need to get the vet out - they don't charge peanuts for looking at horses :eek:
Mogchops and Millyscarlet - hope you are both feeling a bit better today

Off to Piglets speech Therapy group shortly so best be quick!

* Buy car tax on line - done
* Quietly fume...work stopped me two days money for being off sick (first time ever they have done this in 11 years I've been with them...I understand with current climate etc...but makes a big difference when part time and on a tight budget! I hardly ever have time off...grumble grumble....)
* Storecupboard dinner
* Do shopping - armed with a list and STRICT budget!!!
* Check on-line banking - done
* Go to speech therapy group - not strictly dfw but is like a free playgroup and they get free snacks too :rotfl:
* Re-jig April budget because of reduced wages
* Look for a saturday morning job for OH

And thats about it for today. Friday wahey!!!
Have good fridays everyone!

Miss P
xx

bathgatebuyer

Off work today but popping into town later for a colleague's leaving do and staying out in th afternoon. Will miss her loads :-(

Anyhoo, have set aside £20 for lunch, a few drinks, and that's my limit for today!

OliveOyl_2

Morning Sophiesmum :hello:

SO glad it's Friday

And today I will:

• scratch'n'click ~35p:j
• clean the sitting room THOROUGHLY (lots of clearing to do ) as a potential buyer is coming to view the piano tomorrow, (the first sale fell through) and I've been warned that she's fastidious :eek: I've just moved it and there's five years of dust there
• nurture my seedlings (if they ever emerge)
• write report for the 3rd mystery shop I did yesterday (site keeps crashing, which is why I'm here )
• packed lunch
• make a menu plan, and cook ahead for Popeye's return :smileyhea
• Reduce, reuse recycle
• charge phone at work
• washing at 30 and line dried

Have a great day everybody

mogchops

Morning all!!

Feeling much better today, thank you Miss Piggy xxx

Milly - hope you are on the mend too honey xxx

Up & at 'em today!! :rotfl:

- Check online banking - Done
- Check Quidco
- Do at least 10 comp entries (did it yesterday no probs - maybe should try for more!)
- Shopping in Tescos - with strict list from which I will not deviate (unless get some reduced bargains)
- Use MOCS on shopping
- Ironing (grr)

Got Virgin Media coming to instal phone line this afternoon, part of my initial money saving - cancelling talk talk landline & putting phone with broadband/tv should save £10 /month. :T

Older DD should be having sports thing this afternoon - youngers was cancelled yesterday due to pants weather, not sure what its going to do today, very overcast at the moment.

Have a lovely day everyone!

Edit: Sophiesmum, hope the horse is ok, my mum has a horse so I know how expensive/worrying they can be!!

pixiechick99

Morning:hello:

Miss P and Mogchops - Thank you, Im not too bad, still sore though, but getting used to it:o Thank goodness it's school hols soon (mind you I might change my mind about that after a few days with the girls home with me;) )

Anyway...my last official day signed off...I plan on doing not very much at all! Glad I tidied up yesterday so can just have a quiet one.
Here's today's todo/have done list:

• Check banking - payday:j (£23 more than usual too )
• Scratchcards - 2 x 10p boooooo
• Do any surveys in my inbox
• Write next week's meal plan and shopping list
• NSD hopefully
• Finish NVQ - wrote up 4 pieces of evidence last night - the end is in sight:T
• Clean bathroom
• Read papers online

Oh, that's all for now. Hope everyone ok:p

DawnW

Morning all :hello:

Hope the horse is ok SM, I know what the vets bills are like :eek: . My DD1 has horses too, though luckily she pays for them herself now she is grown up and married

Sorry to hear that your work deducted money when you were off sick Miss P, that does sound rather mean, as you have been there so long and are very rarely off.

Today I will:
HM breakfast (done)
Check online banking (done)
Pinecone survey (done)
See to animals (in a minute)
Lots of work (working at home again today as more room to spread things out than in my office - also saves petrol not having to drive in
Chase up receipt for DD2's new car
Pay off Debenhams card and close it (only took it out for the discount on DD2's bridesmaids dresses )
Storecupboard meals
Do a bit more in the garden
Tidy the house a bit.

Whew! I am puffed out just thinking about that lot (nothing compared to Andan though:eek: )

Have a nice day everyone :j

Marru

Good morning!

Still off work and without the head ache so all good!

SM: Well done on the weight loss - excellent!!! :T

Hope life is treating everyone better today.

As officially this is my rest day I will try to take it easy sooooo

Today I have/will

- Scratchies (70p total)
- Curly
- Cashback bingo
- Clean last cage (only ratties to do)
- Admit that I can't grow anything and split the lettuces that have been on the window sill between the piggies - bowing deep to all you growers
- Finally complete urgent correspondence x 2 and post
- Anything else is plus
- Won't try to attempt NSD as I feel the need for some chocolate today

Piquant_2

Ouch to the potential vets bill SM, I've just paid a small vets bill for my horse it was only £97 :eek: They are such expensive beasts!! Really hope the bute and cold dressings do the trick.

Feeling better Miss P? not good about the pay deduction, I guess more places will be doing this now, surprised my company hasn't started yet

Today I will/have

• meal plan and shopping list
• check online banking
• update spreadsheet
• bought in lunch and breakfast
• store cupboard dinner
• update my diary
• interfere in other people's diaries
• clear washing basket

See you later....

Pippilongstocking

Morning all

Today
Await arrival of gale force 8 winds
Make sure logs and coal are topped up lots
Take the DS to the ferry that so far is still running
[strike]Baked hobnobs for him[/strike]
[strike]Packed a swag bag from the storecupboard and the sneaky trip to Mr T's last night[/strike]
[strike]
He's all sorted
List for cleaner
Bolognese ala Old style -
[/strike] now have double the amount I started with ALL GOOD - one to eat one to freeze
[strike]Phone OH from work and ask him when he's coming up (hes up for the week - maybe? or did I imagine the convo)[/strike] Monday - ho hum - tells me his budget doesnt work as he has to come up twice this month (april) cos its someones birthday in april........MINE!
[strike]Relax as lodger is NOT moving in today - rethink about room - redone finances appropriately -[/strike] and try not to chuck a book at his head - hes not bothered he's just hugely let me down - pah
[strike]Check bank and loans etc[/strike]
Ask if I can put in the Nov expenses claim
[strike]Put in a claim for travel south at the moment rather than wait for ages to be paid back (well the ferry bit anyway)[/strike]
DD money for piano lesson - need to email her teacher as I a POSITIVE I worked out the right amount (People on budgets do dont they??) and she is now expecting another 2 weeks lesson money - I have written a cheque but I do think she is wrong TBH - compose a nice chatty email and enquire
Do some work
[strike]Mooch some size 4 wellies from work[/strike]
[strike]Mooch some hen food from work[/strike] pick up at weekend
Mooch the rotatvator from work - if this is possible this would be very very lovely.
[strike]Free tea and coffee[/strike]
Will use trip to ferry to take darwin a run if its not mega windy as we might take off when his roof pops up
Clean the Darwin beast and de-blanket him for washing said blankets
Ask DD nicely if she will give him a spring clean
Look at foam online and maybe get some when in Ed - for darwin he needs new seats and bits
Decide what's doable with the shopping and decide which vehcile to use
[strike]Mrs Mop in today so have swadged down the decks (ie picked up all the bruck in the house on the floors)[/strike]
Dogs to walk later
[strike]Redo budget - seeing on how much meat etc I have in my freezer wondering if I can take most of the 6month shop money from April food budget as we are all off for 10 days or so and whats already there can be meal planned (wait for it) for the month of April ???????????????????????? Then I can use the normal budget money plus a bit for the mega shop[/strike] Meal plan from cupboard for April - with some help - and am using all (or most) of this money for my trip south - GULP

[strike]Scratch head alot (not nits - thinking)[/strike]
Ask my peppers if they will EVER germinate

Waves to you all - still half asleep - x

Pippilongstocking

Write a list that is almost (and only almost) as impressive as Andans - waves to Andan!!

hugs to you all seem to have tipped my head out on the page today

ps forgot

Feed hens

PPS Morning Piq - waves through the expectant windy blustery weather

Also interfere with other peoples diaries