Tuesday 31/3/09 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
• send some money to savings
• storecupboard lunch and tea
• check and water all my plants and seedlings
• lttle bit of hokey cokey
• little bit of ironing
• clean one room so no housework at weekend
• aim for no spend day
• swim and jacuzzi to use gym membership
• make a batch of yoghurt
• add some more things to my 101 in 1001 challenge list
• sparkle a lot

Good Morning lovely dfw's Hi to all the regulars and welcome to any new posters:D Up at the crack of dawn today for some reason so posting early, will probably be knackered by lunchtime:p
Not much planned workwise except a visit by a technical surveyor later so should be a quiet -paperwork based day.
Sending hugs to any pooply peeps Hope you are feeling better soon.

Have a good day everyone xxx

pixiechick99

Sophiesmum - how early???!!!

Morning all!!
Well, I had an eventful day yesterday....doctor sent me to the hospital, I was there from 12 til 7:eek:
Spent most of that time stiiting in a room waiting...I was sooooo bored. In the end they decided I needed a CT scan, but it was too late to have one the same day. I said Ok I'll come back tomorrow - oh no, can't do that, you won't have a bed! So I now have to wait to get an appointment as an outpatient, could be 2 weeks:mad:
They think it's the Crohn's causing the pain - a narrowing in the intestine, may be inflamed too. Hopefully won't need surgery on it. So I was up there, worrying about my kids, luckily my friend had them for me, but I didn't want the girls to worry - as it was they were quite happy!;)

Anyway, the pain not too bad, was fine yesterday. I'm wondering if it got worse over the weekend as I walked about a bit - went to shops on Sat and Morrison's on Sun:o I plan to spend the rest of the week doing nothing!!

Anyway, thank you all for the good wishes:p

So, today....

• Check banking
• Scratchcards
• Heating off for rest of day
• read paper online

That's really about my lot!!

DawnW

You are up and about early this morning SM!

So far I have:
Checked online banking
HM breakfast
Seen to animals

Off to work in a minute :rolleyes:

Later I will:
storecupboard meals
walk dogs

Probably all for today as I will be so busy with work :eek:

Have a nice day everyone :j

mogchops

Morning all,

:grouphug: to Milly, what a day! At least it is progress though, I hope you dont have to wait too long for the scan!

SM - I was up too early as well - for no apparent reason! :rolleyes:

Today:

- Checked online banking
- Checked Quidco - the Lovefilm trial I did last night has tracked :j £15!! Now must diary note to cancel within 14 days!
- Packed lunches all done for work & school
- Chops & sausages for tea - as per meal plan
- Go to Sainsburys to use up some Simple wipes MOCs, as the wipes are a third off & it ends today (so with moc each pack = 40p - bargain)
- Just signed up for free family fun day on Sunday at David Lloyd gym!! Girls will love it!! :j :j

Hope everyone has a good day xxxx

angelflower_2

morning all

feeling a bit more like myself this morning. I was a miserable moo yesterday! Got quite a bit done at work and even tidied some of the house yesterday! Have managed to get a lift back with the freebie planks for the raised beds which is awesome. My sweetcorn really starting to look like they want to be outside!!
- check seedlings - leeks eventually looking ok, onions starting to wilt. Sweetcorn going mad. No sign of pumpkin or the more recently planted tomato, chilli, courgette, pepper
- clean more of house
- scratch and click - 10p, 10p, 4p, 1p
- cancel horse insurance
- transfer money to get out of red overdraft
- take some straw into friend for her daughters pretend stables
- take dc in to work to stop my buying some in canteen or drinking it all at home
- freeze 2 meals worth of the beef stew made last night
- freeze 1 meal worth of the wiltshire pork cassarole made last night
- do small amount of shopping (bread etc) - woo hoo, kept it to bread and potatoes (oh, and a mcdonalds for lunch eek)
- take dog for walk for free excersise
- charge mobile at work
- heat up puppy pad in micro at work
- work hard and earn my money
- photocopy horrid mortgage letter to send to bank re hardship claim to hurry it along
- reply to said mortgage letter
- put all horse stuff away in attic until I get another crazy idea to get another one
- meals from stores
- think of some more things for the 101 in 1001 days challenge
- pull all my receipts together for March (been a bit lax towards the end of the month and they are all over the place)
- sign up for April Grocery challenge

Hoping everyone has a great day.....quiet on here so far today

- also just managed to get some sff free tickets for Monday night for I love You Man. Just have to find someone to go with now LOL

OliveOyl_2

MogChops, when I did a mystery shop at a gym; at the point of resignation the membership advisor encouraged me to come back EVERY open day for free :rotfl: she said they were great fun

Morning All :hello:

Today I have/will:

• had breakfast
• brought in packed lunch
• taking a friend to watch the dress rehearsal, as her ticket is free she's bound to buy my coffee:D making today a NSD (AND she's driving so no petrol )
• nuture my seeds - the hanging basket Toms (use by 2007 ) are beginning to germinate :j :j at last.
• scratch'n'click
• write to Barclays and explain that their patronising letter did not actually answer my question, it merely trotted out a form answer to what they thought the question was :mad:
• put a sewing box on freecycle - should have done this Sunday

Have a great day everybody

urg123

Morning All

SM and Mogchops - can you share some of your early morning waking up tricks - can't do it to save my life!

Day off today and guess what(!) I am going to be working on my assignment today.

Still haven't heard back from the org where I have an interview - will they be able to re-arrange my interview?

Here's my list:

• work on assignment
• washing hokey kokey DONE
• 10 items of ironing DONE
• call org if I have not heard from them by lunch time DONE
• check bank accounts DONE
• clean bathroom
• store cupboard meals DONE
• NSD DONE
• use rest breaks to find someone to do a massage next week. DONE

Have a great day everyone.

urg x x

hampsterpoo

Morning all , the suns hiding today so need some sparkle dust to throw around.

Will do/have done

Daily scratcheezs
Clicks
Spend 1 hour in the garden ,working
Hokey Cokey
check spreadsheet

Pippilongstocking

Morning

Late today - this hour change thing ergh - SM - do you ever sleep - I remember having htat conversation before!

Today

Hmmm
[STRIKE]Check bank and fingers crossed they might pay me tomorrow - if I am lucky[/STRIKE]:j paid whoop whoop
Had the expenses for my trip guaranteed (2 ferries and a 600-800 mile round trip) so I wanted to make sure they would pay if I took car rahter than as normal went by plane
Rejigg my shopping list for 6 months hurrah - I like this kind of shopping
Almost there with meal planner for April
Get excited as its April tomorrow - yippee
Book ferry today
Check seeds and go on slug hunt
WRITE WRITE AND WRITE SOME MORE
[STRIKE]Darwin (VW camper) side door to fix - its flinging open at random times (like 60 mph) not great as I actually like the DD and the thought of her being sucked out the back of the van like in the movies isnt great[/STRIKE] OH looked at it before I BUY A LOCK FOR £8 (normally I just buy the bit)
Get excited about road trip
Collect grain from college for chookie mcdookies
Feed chookies
Chookies ahve decided laying eggs right at the edge of the hen house is a great plan - so the eggs roll out and drop down 2 ft outside so need sort that with a plank or something silly chookies
3 chilli seedlings up - am half shouting at them - half going aww bless
Pay coal bill
Check electricity and input a figure not done that for a while
If paid pay some off CC to free up for expenses.
[STRIKE]Breakfast, lunch and tea from the cupboards[/STRIKE]
Look out boxes and bags for shopping

Odd list today - need to get self into gear seriously - but a bit all over the place - cold and wet here - x

painted_lady

Hi everyone,
SM - hope getting up so early is a one off for you.
Milly - hope you dont wait long for scan.
OK, I am today
- sorting photos out from previous holidays, reminding me of better and healthier times
- sorting out the pile of laundry
- paid couple of things and got partner to post cheques
- have something from fridge for food all day
- get plenty of rest to aid recovery and thats also free
- begin sorting my rubbish out for charity shop/ebay
- look for new 0% deal

I realised my 0% card ends in a month, going to challenge myself to pay £500 off it between now and then. here is how I am planning to do it
- £100 regular monthly payment
- due £120 from hospital fund, which will go towards it
- £200 in ebay/amazon hopefully
- not sure on the other £80 yet but challenge myself to get it somehow, I have the odd bits of money in accounts I might tidy up, like £15 here and there in accounts I dont use, if I close them they will send me a cheque, I might be due some money on quidco if I get CC deal through them etc.

Pippilongstocking

Hi Painted lady

How are you?

Just checked bank and have interest on my hairy loan of 76 quid - so had to pay that off to keep myself down at the level it was as it was horrid seeing it go up. Its alot but I guess its less than it would have been with the extra payments (last 3 month interest charge was about £120)

Joined the grocery challenge thanks for the reminder Angel flower - ahve set myself a budget of £50:eek: for April groceries. Store cupboard challenge here I come.