Tuesday 21/4/09 Wht 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 again, quiet day expected at work just lots of boring paperwork to do today.

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
• plnt out some more onions
• slug hunt to find what's been eating my cukes

• 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.

pixiechick99

Morning SM and those who arrive along soon:p

Quick post for me before off to work....
Today I will..

• check online banking - moved scratchie money to holiday fund
• scratchcards 25p and 10p
• charge mobile at work
• take lunch/drinks to work
• free tea at work
• post ebay parcel
• NSD hopefully
• Dinner out of freezer
• read paper online

Hmmm that's all I can think of for today...will be back later:D

Pippilongstocking

HI All Sm and Milly hellllllllllllllllllllllo

Today hmmmmm tis pouring with rain - the bouncing of the ground kind - I am hoping to walk to work - sorry I am walking to work

No such thing as bad weather just bad clothes - right?

Anyway

List
Check bank - done already my word is sailing close the the wind
Book flight for weekend south - did it start off as just a night - whoops - use quidco flybe gives 1% which is better than nowt
Taking coffee wihtout milk, getting use to it so that will save some milk
Pork chops for tea - yum
Storecupboard stuff otherwise
Need to buy some mega glow sticks (£1.25 each for my godson birthday and hope ot post them)
Otherwise hope for a NSD?
Pal has my ducky down jacket so I will freeze today - its like my second skin (thats why it needed washed
Do lots of writing at least 1000 words so mind on and ask me
Review hte presentation for tomrrow night and write up some wee post cards as notes ot myself
Books to library this week maybe today as its so yukky
Ask for a copy of my contract on headed paper so the bank will change my bank account to a student one saving me 6.95 a month in account charge and 10 a month in OD charges - hurrah
Check the chaps got my expenses claim

Need zingy socks today for added concentration and determination

urg123

Morning SM, Milly, Fay and all who follow

I don't usually set up the computer before I leave for work but am making an effort to wake up early to do a couple of chores before I leave for work!

I have my deep tissue massage today - am really looking forward to it!



Today I will:

• [STRIKE]check bank accounts and make sure all is ok[/STRIKE]
• [STRIKE]grocery shopping to last me until next pay day[/STRIKE]
• REVISION - exam is two weeks today:eek:
• ironing - to keep on top of it
• [STRIKE]washing HC[/STRIKE]
• 20 mins tidying bedroom/living room
• [STRIKE]use unfranked stamp to post friend's engagement card[/STRIKE]
• [STRIKE]taking lunch in[/STRIKE]
• [STRIKE]storecupboard dinner[/STRIKE]
• [STRIKE]walk for 30 mins - easy in weather like this[/STRIKE]
• [STRIKE]charge phone at work[/STRIKE]
• beauty treatments at home - much cheaper than the salon

That's all I can think of now - catch up with you all later.

urg x x

mogchops

Morning all!!

Another beautiful sunny day here (Sorry Fay!! :rotfl:)

Today....

- Check online banking
- Scratchies (Yayyyy!! I Finally followed the instructions on the free bingo thread and opened the accounts for the free scratchies!! And got my first two 10ps!! Whoop!! :rotfl:)
- Washing on the line in the glorious sunshine (sorry Fay :rotfl:)
- Tea from freezer
- LSD (only need bread & milk)
- Go to work - Boooo, but take packed lunch - hooray
- Ironing - maybe
- 10 comps (must do - been a bit slack lately)

Have a lovely day everyone - whatever the weather!!! :rotfl:

Essex-girl_2

Morning Everyone,

Havnt been on this thread for ages but really need to knuckle down & start saving as have a tax bill hanging around that I want to get rid of........so today

• Checked online banking-not great but no surprises
• SC - 20p
• 2 surveys done, 1 pinecone :jwill do anymore that land in my in box today
• washing line dried
• leftovers for dinner
• was hoping for a nsd but need bananas so will be lsd instead
• get loads of work done so can concentate on ebay later this week
• be positive

debt_free_me

Hi All

Thanks for your good wishes re the card problem yesterday. Hopefully the transactions will show up on my account today and then I can claim.

Today and yesterdays small things:
Brought lunch into work
Got some chocolates from a supplier at work for our team
Free scratches 2 x 10p - up to £10 on one of them now so when I do it tomorrow will be able to withdraw :j
Try and win another book - I got the one I won through yesterday :j- Just won my second Galaxy book and it's only my second go! :D:j:j
Rung up restaurant yesterday and got my first proper shift Thursday
Look for mystery shops
But petrol and drive economically

Going to see Jimmy Carr tonight :j

I have been looking over my tax return that I need to do for mystery shopping and it looks like alot of hassle for 4 or 5 shops. I will obviously do it but am a bit concerned about some things: why do they need to know about permanent employment that your employer already does your tax for? I have to put that I owe a student loan which needs to be paid and if my employer has taken any payments. They don't normally but did when my pay was changed to weekly so it looked like I earnt more so paid some - I am worried they are going to take loads I shouldn't be paying back yet. Also it says about second emplyment - in the last tax year I only did a trial shift which they were going to put through the tax but they didn't get to it so I got it paid in cash and it also asks for info on tips. There are so many people getting tips that don't declare it. Should I put I earnt the £30 odd pound and pay the tax or will that get wprk into trouble for not doing it or do I not put it down, I am worried about it as don't want to get myself or anyone into trouble and don't want to lose my job. Is it better this tax year to stop mystery shopping and just do the restaturant job? Sorry if on wrong board. Hoping someone is in a similar position who can help me.

DawnW

Morning all :hello:

Loads of work to do today, so must try to keep motivated - not too easy, as I got my notice of redundancy yesterday :eek:. Still I have plenty of notice (3 months) and I am not sorry (though a bit apprehensive) as I no longer enjoy the job, and haven't for some time.

So far today I have:

Checked online banking :eek: OH MUST stop spending! Still he is back at work this week, so won't have the chance

Seen to animals and seedlings - something has eaten through the stem of one of my aubergines :mad:

Read newspaper online - always do, I only ever buy a Saturday one

Put washing in at 30 degrees

Nice porridge and banana for breakfast

Later I will:

Try to find out what tenant has done re a leaking shower and taking a wet electrical fitting to pieces :eek: (now done, they DID take apart a wet mains fire alarm) :eek::eek::eek:

Speak to builder about investigating leak and electrician about potential electrical hazard. It is a nightmare trying to get anything done as the T always seems reluctant to either stay in to let tradespeople in or arrange for someone else to do so. If they don't want to bother to do so to get the shower fixed it is up to them (they may well not, as there is another one, and a bath as well, though it does make me cross when they mess our nice tradespeople about), but I DEFINITELY need to make sure the electrics are not unsafe asap :eek:. I am a VERY reluctant landlord, and really feel for others on here with awkward tenants / lodgers

Go to dentist

Meals from stores

Deliver invitations for DD2's wedding to friends - that will be all of them out thank goodness :rolleyes:

Walk dogs for free exercise and to de-stress - though it didn't help last night, as Little Dog 1 ran off and wouldn't come back. I eventually spotted her but she was back across the field we had just returned from, and would not come back. I had to go and get her :mad:- she was eating a smelly dead rabbit :eek: While I was getting her, Little Dog 2 decided she had had enough and disappeared as well. When I eventually got them both back home, Little Dog 1 sicked up the smelly rabbit on the kitchen floor :eek:

Oh dear, I am not having a very good day am I :rotfl:

Hopefully it can only improve :j

Candy0107

Morning,

Sophiesmum – thanks for starting the thread as always
Fay – Hope you don’t get too wet
Urg – enjoy your massage
Debt Free Me – enjoy Jimmy Carr (v jealous)

Today I have/need to:
• Had breakfast at home
• Walk to town to meet SIL (who is buying lunch) and Niece
• Keep phone on in case of job offers
• Try for a LSD
• Done daily scratchy
• Update my job search file with recent activity
• Do college work
• Go for a nice shower as I ache from my gym session last night
• Last night signed up for Gym Miles (normally £6pa but I get it free). Apparently, every time I swipe my gym card I earn points which add up to vouchers
• Read some of my library book while walking to town
• Chill

Think that is about it, take care everyone
Candy xxx

Candy0107

Dawn - what a huge list

Candy xxx

CLKG7

Good morning everyone

Hope you are all well.

My list today is:

• Washing all washed and dried and put away - pretty good for 9:20:j
• Check banks accounts (joint and personal)
• Breakfast from home
• Lunch taken to work
• Eating at my mums tonight
• Going for 'lunch' with a friend but will only have a coffee
• Email some people instead of calling them
• Make a list of things to do around the house tomorrow as i'm off
• Study one course book
• Scratchcard done - 10p
• Done meal plan for next week
• Strated shopping list (remember to take it this time!!:mad:)

Charlie xxx