Monday 20/4/09 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.


Good morning lovely dfw's,Hope you all have a lovely day today. The sun is shining so should be lovely here.

Hugs to anyone feeling poorly or down, hope you feel better soon.



Today I will

• check online banking
• move money to savings
• update spreadsheets
• storecupboard lunch and tea
• try for no spend day
• water veggie seedlings
• do some pottering in garden

• do something from my 101 in 1001 challenge
• sparkle
• use lots of smilies to cheer me up
• recycle something
• one lot of laundry hokey cokey for OH
• little bit of ironing for me
• clean one room

• update blog

Think that's about it for now, have a lovely day everyone.

Pippilongstocking

Mornign SM and those who sneak in before and those who follow!

Today
Check bank
Bank review at 11.15
Presentation to get reviewed and finalised and write out cards
HC - Hokey cokey and line dry today and then another HC
Write write write
Check cap one cc (fishy) I have locked myself out of my online account whoops
Pick up freecycle bed at 6ish
Charge phone at work
Slug hunt
Think about plants and tubs for my newly sorted out bedroom balcony
Work in room as its quieter....until they discover me
Take some photos of the willow plots with some help - any volunteers?
Cauliflower cheese and tatties for tea
Whizz the stalk and etc cauli curry soup and freeze
Take soup into lunch as well
Walk to work again hurrah with puppy - free exercise for me and him
Email a couple pals llater
Look at travel for Sat whoops
Have some brekki
Look out clothes etc for wed night
Pack up a parcel for a chum
Look in presssie box for pressie for party on sat night
Recycled my lovely ceiling airer (sheila maid) the ones on the pully to a chum who was looking for one - feel a bit sad now as have had it since before was married but she needs one and I know I can buy another one - silly to get sentimental about a couple hunks of metal, a few pully bits and some rope! (she needs to get the wooden inbetween bits herself)

Not sure what else today folks - used up a sachet in the shower for my hair and as normal
let it dry naturally
Need more thought to myt socks as have been neglecting this area and I am pretty unmotivated at the moment
Edit pink with spots and little puppies like peedie on them

mogchops

Morning SM & Fay & Everyone!!

Bright and sunny here, shame got to go to work - boooooo hisssss

DDs back to school today as well - they are up & quite bright and chirpy considering!!!

Today....

- Check online banking
- Washing on line
- DH cleaning bathroom as he doesnt start work till 2.30 :A (he's on lates till Thursday so we pass in doorways!)
- Buffet for lunch at work as its someones birthday, so lots of yummy food
- housework later - got neglected yesterday after my car boot - was knackered!

Thats about it at the moment, hopefully will be more but am rushing now!

Have a lovely day xxx

Socks - rather boring today.....black with pink toes and heels. Need more sparkle!

DawnW

:hello:Morning all!

Back to work today after a week off so need to try to get motivated :rolleyes:

Today I have / will:

Check online banking (done, as expected)

See to animals and seedlings (done, looks as though the cucumber plant I put out in the greenhouse yesterday has been caught by the frost )

Made packed lunch for work - last of the pate from the weekend and some salad leaves from the greenhouse in a sandwich, plus raided the fruit bowl (also done)

Go to work

Clean one room when I get home - bathroom I think

Supper from weekend's leftovers

Walk dogs for free exercise

Not spend anything, except petrol to get to work

Have a nice day everyone :j

Pips_Mum

Woohoo I am on the first page!!:j

Morning all you lovely people, hope you all had a lovely weekend?

SM are you feeling better now?

So I am completely sick of Ebay as I listed 40 items yesterday, had a mass clearout and used the opportunity whilst OH was here to care for Pip to list them all even though it took 3.5 hours!!!

Couldnt sleep last night as I was mentally sorting things out in the flat and also clearing out cupboards and sifting through the rubbish in the house, couldnt stop doing it, does anyone else have this problem?

Anyway heres my list:

• Scratchees
• Check on my 40 items, 4 had bids already last night.
• Take Pip for a walk in local park for free exercise.
• Finish making order of service cards for Naming Ceremony, much more DFW than ordering them and just as nice looking.
• Talk to my little seeds, when can I put them in the ground?
• Wait for Marshall Ward man to pick up the nasty dresses that looked good in book but were actually hideous! I am not paying for those monstrosties, back they go!
• Email my friend rather than call her.
• Opened post from flat to find 2 cheques from Abbey for the savings accounts I had long forgot about, £103 from 1 and £49 from the current account :j
• Speak to Payplan about maybe setting up a DMP?
• Store cupboard tea that was batch cooked yesterday.

All for now, hugs to all x x x

andrina_nightshade

Good morning all! How is everyone today?

My 19-year-old sister was very upset last night. Turns out she'd been a bit careless with money this month, and only has £8 left until she gets paid on Friday. My parents paid for her weekly train ticket so she can get to college next week, and they also loaned her £50. She spent most of the night holed up in our room because she was scared that my parents would yell at her (which they had no intention of doing). Poor baby... I think tonight I need to sit her down with a spreadsheet and explain the concept of budgeting, and regularing checking your account balance.

Today I have/will:

• done daily clicks and free scrathcard (10p and 25p)
• go to my local bank to enquire about an ISA
• Go into uni to work on assignment
• Listen to radio plays through BBC iPlayer
• Visit Gran and run any errands for her
• Tidy my bedroom

Have a good day all! Hope work goes quickly for you DawnW. Firsy day back after a break is always awful.

sophiesmum_2

Thanks pipsmum, feeling back to normal now.
Well done on your bank cheques:j:j Funny how things can change in a short space of time.

urg123

Morning everyone!

PipsMum - Keep a notebook by your bed so that you can write anything down if you wake up/can't sleep.

Well I started my diary last night - I won't really be doing very much on it until next month but at least it is one place to get my DFW goals listed.

Today I am going to spend money - I have really been wanting to get back into Yoga. I am not a sweaty betty type of exerciser so the gym isn't a great option for me. I had a great yoga teacher until about 2 years ago - we were so spoiled but unfortunately she died. I was very spoilt but I have found a class that is reasonably priced just down the road. I am going to trial the class tonight for £6.


My list for today:

• 2 hours revision
• check time for yoga class
• check bank accounts
• Walk for 30 mins (easier now that it is a lovely day)
• 20 mins clean bedroom - it is a bombsite!
• Ironing
• Storecupboard dinner

Not sure how I am going to fit it all back in!

Have a lovely day everyone!

urg x x

skintmummy

Hello, weather is lovely here but stuck inside this moring dong last minute for an exam I have this afternoon. Done something to my back this morning, I am in pain eveytime I move today, not good !

Anyway my list for today:

Ironing needs to be done
Washed bed linen and drying on line
Take lunch and a drink with me to eat in the car before the exam, to save me buying lunch on the way
Take a drink from home to have during the exam
Try and have a nsd
Go to the gym later if my back gets better
Pay a cheque in on the way to exam, passing the bank so may as well pop in, good use of petrol

Oh by the way, GETTING MARRIED ON SATURDAY WHOOHOOO !!!! :j:beer::rotfl::T

SM X

Candy0107

Morning All,

The sun is out (although it is a bit chilly) and it is bright. The start of a new week.

Today I have/will:

• Breakfast and lunch at home
• Checked bank (no suprises there)
• Done daily scratch
• Looked for any jobs online
• Emailed 2 agencies to get P45’s (I have been paying emergency tax on my last temping role as I did not get a P45)
• Need to type up references going back 5 years and email those to an agency
• Write today’s activities on the Jobseekers form
• Need to check on seedlings, and ask them to grow a bit more
• Read some more pages on this forum
• Do college work
• Go to the gym after hubby finishes work
• Find my engagement ring (I tried it on yesterday, and put it down – I recon that Mum has moved it GRRRR)
• Walk to town to meet with an agency (and not pay for parking)

Think that is about it, take care everyone

Candy xxx

OliveOyl_2

Morning All :hello:
I'll just quickly nip in before frosty knickers gets into work and sinks the office into a black depression
WOOOOOOOOOOOOOOO Skintmummy lovely news :happylove

This thread is so helpful - I'd forgotten that my phone will need charging

So today I have/will

• been to the gym (not to work out:o) to have a shower as the boiler turned itself off again last night. Used their hot water and toiletries Will contact another plumber as our usual one hasn't called back :mad:
• charge phone at work - thanks Fay
• did on-line shop for DS2, (my contribution) got lots of bargains and used codes from the generous people on the codes thread :money:
• more gardeing tonight - and will speak to my seedlings and encurage them to grow. We've almost got an entire bed filled using cuttings from the outlaws
• Potatoes chitting too - and will try and germinate some more seeds.
• I have a mountainous ironing pile and an untidy bedroom to occupy me tonight.
• Scratch'n'click

Have a great day everybody.