Thursday 30/04/09 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,

Just lots of paperwork for me today at work, hopefully will get time at lunchtime to get something done in the greenhouse for an hour, lots of watering needed and a quick slug hunt.

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


Today I will

• check online banking

• storecupboard lunch and tea
• try for no spend day
• water veggie seedlings

• 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 so no housework to do at weekend

• update blog
• swim and jacuzzi to use gym membership

Think that's about it for today another groundhog day today, have a lovely day everyone.

mogchops

Morning all,

Am sooooo tired, just want to go back to bed!! No such luck!!

Collected the travellers from the airport last night, all nice & easy & on time, just made me quite late home *yawwwwwn*

Trying to be positive and sparkly today!

- Check online banking
- Scratchies and clicks (2 x 10p)
- Quidco payment made (4.38 :rolleyes: am cheesed off as got £75 due from Natwest but thats now rolled over another month!!)
- Heating off
- Washing on airer
- Go to work and stay later for a meeting (finished early yesterday to have the extra time)
- Tea from freezer
- Go out tonight for local Am Dram production (ticket bought weeks ago so no cash outlay today)

Third night out in a row!! No wonder I am tired!! :rolleyes: Its just the way its fallen this week - never go out for weeks then bang, 3 nights in a row!

Have a great day everyone xxxx

pixiechick99

Mogchops - 3 nights out in a row?! I don't think I've had 3 nights out this year:rotfl: (not joking either!)

Thanks for the early post SM - means I gt time to get my list on here;)
Here goes...

• Check banking - move TCs to spending account
• £10 from TAB bingo arrived, swiftly moved to savings
• Quidco money paid - £77 wooohooo:T
• transferred £115 out of Paypal from ebay sales - fab!
• Meal from store tonight
• Lunch to work
• Post 2 ebay sales
• NSD hopefully, don't need anything
• Take milk carton tops to school for recycling;)
• scratchcards
• Print bank statements for HB people to take in tomorrow
• Finish getting NVQ portfolio together

Ok that's all - better get the girls moving:D

Pippilongstocking

Morning all
Thanks for all the birthday wishes - my finger hurts from the evil boris spikes - difficult to type!

Today
Kids been fighting all morning (yup before 8 - grreat eh?)
Money from Bank for brother house
Hoping *picnic* tea.
OH working from here today - he's supposed to be on holiday - ho hum
Work not sure...
Do a HC or two
Lady comes at 1ish to pick up pine chest of drawers that she advertised for and we have a spare (continuing my good freecycle karma)
Write
Dog back from her holidays today (manic collie) at 4pm so will probably come home early and work from home

Not sure what else today

Love to all

New birthday spotty pjs on - I look very spotty
New birthday socks later

KTjazz

morning everyone!

I wish my list were longer but alas it is not.

today I have/will

- check online banking
- write another page or so to my future best seller... (*wink*)
- have a friend over for dinner and watch Twilight (AGAIN!)
- email my favourite half of 82 year old
- email many other friends when work gets just too much
- keep my fingers crossed that I hear something about the informal interview I am supposed to have soon
- continue to dream big
- continue to attempt to make people laugh with my silliness regardless of what's going on.
- update MSE diary

I think I wrote lots down there that doesn't count...

KT. x

OliveOyl_2

OOh Mogchops what's the production? (I love AmDram )

:hello: Morning All

Apparently the forecast for the weekend is sunshine - so lots of gardening to be done

So today I have/will:

• Would be 4th NSD in a row :eek: except I have a mystery shop to do tonight (but I'll get that back.)
• Keep looking for DD's road tax reminder. But I'll phone them and see if there would be another way to do it
• scratch'n'click
• packed lunch made, brekkie eaten so the vending machine will have no power over me Store cupboard supper - we have lots of potatoes......
• housework tonight to leave the weekend clear using microfibre cloths and stardrops.
• Even try out this microfibre and water method of cleaning windows....
• I don't think Quidco will pay out the 2p I've received :rotfl:
• Update signature. :j

jessibell

Morning All,

I'm still in the early stages so lots of BIG things to do, but because it's the small things that are going to make a difference I want to get into the habit now, so hope no-one minds me joining in here?

Today I am going to:

- Put a pound in each of my co-op accounts so they are active
- Check to see if my house has increased in value yet on the Halifax index and if not bite the bullet and go to repayment only.
- Check my bank and CC online
- Make a start on getting the stuff I've allocated to go on ebay

On the home side, me and daughter have swapped bedrooms and it looks like a war zone. I'm expecting the army any time to come and evacuate us from inbetween all the plastic boxes. I will at least sort a couple of drawers out before bedtime!

Have a fab day!

mogchops

OliveOyl wrote: »

OOh Mogchops what's the production? (I love AmDram )

:hello: Morning All

Apparently the forecast for the weekend is sunshine - so lots of gardening to be done


So today I have/will:

• Would be 4th NSD in a row :eek: except I have a mystery shop to do tonight (but I'll get that back.)
• Keep looking for DD's road tax reminder. But I'll phone them and see if there would be another way to do it
• scratch'n'click
• packed lunch made, brekkie eaten so the vending machine will have no power over me Store cupboard supper - we have lots of potatoes......
• housework tonight to leave the weekend clear using microfibre cloths and stardrops.
• Even try out this microfibre and water method of cleaning windows....
• I don't think Quidco will pay out the 2p I've received :rotfl:
• Update signature. :j

Hi Olive,

Its Copacabana! Slightly long story - the company I work for does a Charity pantomime every year - I've done the last 5, its fabulous fun, we perform at a proper big theatre and everyfink!! Anyhow, one of the guys I work with who does our pantos, is also in another local amdram group, so a bunch of us are going along to support him (ie sit in front row and throw tomatoes!! :rotfl:) No not really about the tomatoes.......

Am looking forward to it *at the copa, copacabana, the hottest club north of Havana......*:p

Miss_Piggy_2

Morning all

Not feeling too perky today but am going to try and be productive! My cleaning frenzy only lasted till the end of last week unfortunately:rotfl:

Today:

* Piglet to nursery at 1pm
* Check on-line banking
* Charge mobile at work (forgot yesterday)
* Use free time this afternoon to research stuff on internet
* Ironing (couldn't be bothered yesterday)
* Washing at 30'c (Piglets dressing gown...he put it in washing machine, set it to the right programme and off it went!:rotfl:)
* Storecupboard dinner - apologising to OH for being a cow last night - his favourite, gammon.
* NSD - I WILL avoid all shops!!

Miss P
xx

DawnW

Morning all :j

Working at home today, so not in quite such a rush, or not yet, anyway :rolleyes:

Today I have / will:

Check online banking - as expected

Continue to try to get hold of tenant / electrician /builder to sort out what work has been done on rented house and what still needs to be done :mad:

Phone HMRC (again) re missing tax return form - they sent one to my OH and one to a person we have never heard of, to this address, both of which arrived on same day. I have twice been assured that I would receive one by the end of the month - and haven't - unless postie happens to bring it today. Perhaps they sent mine to the address of the unknown person

NSD, as I won't be going out

See to animals and plants

Make a conscious effort to do an inventory of all the food I have in (loads) and USE IT UP!! I am thinking about abandoning my traditional weekly shop, as I buy far too much. I spend loads, about £60 a week on average for two of us (plus frequently visiting and fridge-raiding grown up kids), even though I always cook from scratch - I just buy too much. I don't throw it away (heaven forbid) but have fridge, freezers (one big chest plus 1 little thing on top of fridge) and cupboards full to bursting. Perhaps go a couple of times a week and just buy what is needed rather than what I THINK I will need for the week? Even meal planning doesn't seem to dent my stocks much!
Has anybody else done this? Experiences please??

Oh, received £19.75 from Quidco :T

HM meals from stores

Pick some more rhubarb from garden as I have just finished off the last lot. I cook it very gently in the oven with some grated ginger, rind and juice of an orange and some sugar (no water needed), and it is gorgeous! I like it with yogurt, or on my morning porridge, which everybody except me thinks is weird. I will try and do it in the slow cooker I think, to save having the oven on. It should work

Make an effort to use more salad leaves from greenhouse and purple sprouting broccoli from garden, both of which are running away out of control :eek:

Check shelf of preserves in bedroom, to see what is left and that all is keeping ok - I had forgotten about these when I mentioned bursting cupboards, freezer etc earlier :eek: They live in the bedroom because I don't have the lovely walk in larder that I am determined to have one day Wonder how long it would take me to fill one of those up :rolleyes:

Walk dogs later for free exercise

Maybe make a cake later - I made some scones yesterday but OH and DD have nearly eaten those :rolleyes:

Oh, and do loads of work, obviously!!

Have a nice day everyone :hello:

Chick2organise

Good morning all of you, well its nearly the weekend and yes i am counting!! husband at work Saturday and monday so need to start focusing on being productive, have started jotting down bits i need to do but will really think hard!!

Anyway today i may be having another NSD hopefully!!! I did my first survey last night, dont actually know how much i was paid as it was actually through a free survey well entered into a prize draw so:

oooooooo our man Martin is on GMTV at the moment talking about interne packages... such a happy man isnt he!!!

Anyway i should hurry up as need to get to work:

• Take lunch i made last night to work
• do lots at work
• check survey account
• pay money into bank
• post ebay items
• pay bills
• need to continue writing list
• buy cinema tickets for tomorrow off of internet

Hope you all have a great day!!:j