Wednesday 20th May - What small DFW things have you done today?

pixiechick99

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.

Morning all:hello:
Off to the farm on a school trip for me today - forecast not bad so fingers crossed:rolleyes: I'll be worn out tonight.....;):D
Here's my small list for today.....

• Check banking...move some money to savings
• scratchcards
• packed lunches made
• dinner from meal plan - sausages and mash tonight
• enter daily Glamour mag comp
• try yet again to win a free book from Galaxy:p
• have an early night.....:rotfl:

Have a lovely day everyone...only one day of work left for me after this then it's half term:T

mogchops

Morning Milly! Hope you have a lovely day at the farm, weather seems better today, so fingers crossed for you!

Was soooo pleased yesterday - managed to get the grass cut when we got home from school, it had stopped raining, so rushed out like a mad thing to do it before it tipped down again!! It all looks so lovely and tidy now! ( So tidy garden and excercise too!)

Today.....Pay Day!! :j:j Unfortunately its pretty much all accounted for, but for today at least, there is money in the bank!! :rotfl:

- Check online banking (see above :rotfl:)
- Click & scratch
- Make shopping list for Mr T, and stick to it using MOCs
- Ambush postman - waiting for my Tesco deals tokens! (for my Butlins 80's weekend and double ups for clothes - AND its 20% off clothes till Monday!! Whoop!)
- Attach some sort of string zig zag to the garage wall for the sweet peas to climb up
- Go to work (going out of office for a meeting today - never get to do that - how exciting!)
- Post last ebay sales and withdraw money from paypal (£20 :T)
- SPARKLE!!!!!!! Today I will be sparkling, and I am unanimous in that!!

Have a great day everyone xxxxxxxxxxx

RosyP

I'm new and thought I would join in and help keep myself motivated each day!

Today I will:

List remaining books on Amazon.
Earn £20 doing naughty chat.
Finish my college project and assignment.
Type PPI reclaim for hubbys CC.
Dig out student loans statement and get hubby to ring them and find out why we have had no statements in months!
Clean out the fridge.
Make a storecupboard dinner and cook tomorrows meal ahead.
Have a no spend day.
Make Birthday and Congratulations cards for the latest round of babies, engagements and birthdays!
Check out my bead collection and begin designing necklaces for MIL and SIL birthdays.

That is enough to keep me busy! I hope you all have a lovely day.

DawnW

Morning Milly and Mogchops and all who follow (including the as yet unknown person who is bound to pip me to third place )

Not a MSE day for me today - I am having Sky installed :eek: I have never succumbed till now, but am fed up with the two only programmes I want to watch on TV all week being on at the same time, and want Sky +. I am only having a basic package though, and get the Sky + box free, and (allegedly) £50 of M&S vouchers which should kit me out with new office clothes for my new job, where I will need to be much tidier than I am used to :eek:)

I also bought an energy monitor yesterday, cost £35, but I reckon I can recoup this fairly promptly in reduced usage. It is interesting to see which appliances really make the cost shoot up (you can SEE it with this thing :eek:). I have already put the left over the boiled water from the kettle from my first cup of coffee in a flask ready for my second . I am also going to swap the few remaining non-energy saving lightbulbs in my house, as you can really see the difference when you switch one on! I can see a mild obsession coming on

So, no more reckless spending for me, or not for a while anyway (very rare for me TBH )

Anyway, all this means that I will have to make a big effort on the moneysaving front in other areas, so today I have / will:

Not spend anything else today!

Check online banking

See to animals and plants - done noisy cat but rest remain to do - must feed tomato plants in greenhouse today as they have tomatoes on them :T

HM meals from stores

Do lots of work, as it is piling up with a vengeance again :rolleyes:

Begin to sort out my wardrobe, where I cannot find anything, and donate unwanted items to charity - not MS, but decluttering :A

Washing at 30 degrees and dry outside

Read newspaper online when I get a minute, as usual.

Look out for courier who is coming to collect the remains of a sample product I have been testing for Pine Cone - didn't come yesterday. He should leave a £6 Boots voucher in exchange :T

Walk dogs later for free exercise

Obsessively watch electricity monitor display and run around turning things off

Have a nice day everyone :hello:

lianne1984

My to-do list today..

*[STRIKE]School run[/STRIKE]
*[STRIKE]Post CV for potential job[/STRIKE]
*[STRIKE]General daily cleaning / jobs[/STRIKE]
*Clean the bathroom
*[STRIKE]Do @ least SOME ironing lol[/STRIKE]
*[STRIKE]Check emails / social networking sites[/STRIKE]
*[STRIKE]Do any surveys that come thru[/STRIKE]
*List item on eBay
*[STRIKE]Check online banking[/STRIKE]
*Do @ least 3 songs on STP
*Enter @ least 3 comps
*[STRIKE]Do a wash @ 30 degrees[/STRIKE]
*[STRIKE]Take DS and friend to play centre for birthday, spend as less as poss![/STRIKE]
*[STRIKE]Store cupboard / freezer lunch and dinner[/STRIKE] [well actually OH bought dinner home and made it!! ]

BusPass_2

Hi again folks.

I only get the chance to post occasionally and it is so refreshing to see the fforts made by everyone to keep things under control. I am debt free ( I tell myself that a hundred times a day because I never want to go back to money problems) and I practice DFW things every day.

Here's my list for today.

Shower gel used this morning from hotel stuff freebies on previous holiday.
Drove responsibly and economically.
Had a look at newspapers on line to save me buying one.
Meeting this morning with free sandwich lunch thrown in.
Will pop into Debenhams at lunchtime for a free skoosh of CK1 from their test bottle.
Free walk at lunchtime.
Window shop and count up the money I am 'saving'
Overtime tonight - I earn more and don't spend anything tonight.
No spend day
Free tea at work this morning
Check bank balance
Check savings account balances
Home made soup when I get home tonight.
Heating off during the day while I am at work.
Free tea and biscuits tonight while working overtime.
Count my blessings and tell myself how lucky I am to be on the right side of my finances.

That's enough to be going on with. Keep the enthusiasm up folks, it really drives me on.

andrina_nightshade

Good morning everyone!

Milly - enjoy your trip!
RosyP and Lianne - welcome to the group

Today I have/will:

• daily clicks and free scratchcard (10p - every little helps!)
• search for freebies
• study
• email tutor a question I forgot to ask at last night's class
• forgot my lunch :mad: but bought a meal deal from Boots using my points, so technically a NSD :A
• Find out if my meeting in Dundee tomorrow morning is still on, and book train tickets for the journey (my boss will reimburse me when he returns from his business trip, so still (technically) a NSD)
• if I get a chance, search for freebies

Hope everyone has a good day (and the rain stays off!) :j

Candy0107

Morning All,

Milly – thanks for starting the thread, enjoy your trip to the farm
RosyP – welcome to the thread
Dawn – welcome to the world of Sky…its fab, there is always something on (just don’t start watching the shopping channels)

Busy (and dry) day here.

Today I have/will:
• Drove hubby to work so that I can use the car
• Checked online banking….good thing too as the sym have taken an extra payment. I will sort this out this evening as I havn’t got time this morning
• TAB scratchy – 50p
• Bought lunch on the way home from dropping hubby off – I am really in the mood for salad
• Done GUpuds comp – nothing
• Charging MP3 while on the comp
• Try to not spend any more money today
• Research the company I have my interview with this afternoon
• Go to the gym after picking hubby up from work
• Chill
• Read the rest of yesterday’s posts
• Send emails to agencies

Think that is about it, take care everyone
Candy xxx

Karmacat

:hello: me again! I love this thread. A confession to make first tho .....

- just done scratchcards. Plural. I thought I'd been blacklisted by TAB - turns out I was inputting the wrong username. For a *month*! Think of all those 10ps!!!! :rotfl::o
- I've checked online banking, all is okay.

To do:
- free bingo on butlins 3-4pm.
- use birthday card from stash for friend's birthday.
- check for mystery shops.
- carry on with decluttering in the house.
- sort out some free CPD (Continuing Professional Development) to be done tomorrow - 3 hours free! Thats good.
- keep on clearing in the garden - I need to carry on doing that so I can plant all the plants I've bought in the last fortnight.

WHAT CANDY SAID - CHILL!!!!!!!!!!!

Plus:
- change bedding, wash, remake bed with lighter quilt. Might get some sleep then!

urg123

Morning Everyone

Am still really tired - have no idea why as I didn't do very much last night.

I am meeting a friend tonight - he is my co-mentor and we try to meet monthly to support each other with our careers. We haven't seen each other for ages so it will be good to meet up and get a different perspective on things. I'm also using the opportunity to think about moving on with my career but there is nothing about at the moment.

My list for today:

• Breakfast at home
• Homemade soup in flask for lunch
• snacks from home so no spending on food
• Scratchie
• Call Aunt and finalise order on cake for mum's birthday.
• Washing HC
• Ironing - need to work on the hill before it becomes a mountain!
• Look into Energy metres - DawnW - you have inspired me!

Have a great day everyone.

urg x x

urg123

Candy - Good luck with the interview!

urg x x