Thursday 28/05/09 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 peeps

Busy day ahead here as we are having a social services inspection:rolleyes: so lots of going over all the paperwork with a magnifying glass. Will be happy when that is over with.
Been checking through everything since 4am this morning so I know it is all okay but still hate the idea of it:rolleyes:

Hope you all have a great day, that the sun shines and we are all in a happy frame of mind:D Sending hugs to anyone who is feeling poorly or down - hope you feel better soon xx

Hi to all the regulars and welcome to any new posters.

Today I will be:
checking online banking
updating spreadsheets
storecupboard tea using up stuff from freezer
lunch with the oldies at work
filling up car at cheapest garage using last months expenses money:D
check and water everything in greenhouse and the 36 pepper plants in my office:rotfl:
taking energy saving lightbulbs to new house
sparkle brightly (wearing new cow socks for an extra boost while dealing with the SS - thanks fay!!)

will play the rest by ear as the day progresses

Have a good day everyone

lianne1984

Morningg

Good luck with the inspection Sophiesmum!

TO DO LIST
*[STRIKE]Check emails / social networking sites[/STRIKE]
*Do any surveys that come thru
*[STRIKE]Check online banking[/STRIKE]
*Check for any decent freebies - if time
*Do @ least 3 comps & Glamour daily comp - if time
*If time, some STP
*[STRIKE]General daily housework[/STRIKE]
*Clean fridge - if time, but doubt it lol.
*[STRIKE]Washing on 40[/STRIKE]
*Get all clothes for weekend away washed, dried, ironed, packed - ahhh!!
*Pack everything!
*[STRIKE]Bath, prep, wash hair, fake tan[/STRIKE], do nails
*Meals @ home
*[STRIKE]Pack DS bags for his weekend @ Mums / his Dads[/STRIKE]
*[STRIKE]Boro hoover from Mums [as mine packed up, baditmes][/STRIKE]
*[STRIKE]Low Spend Day / No Spend Day[/STRIKE]
*Do some form of exercise as no gym this week!

mogchops

Gooooood morning Sophiesmum and all who follow!!

Sun is shining, got lots to do!!

- Check online banking - done - DH been paid so nicked it all :rotfl:
- Clicks and scratches - done
- Hokey cokey - first lot already on line & second lot in machine
- Big tidy up
- Clean bathroom
- Go to Mr T with list and MOCs
- Collect cat from cattery
- Cut grass
- Weed veggie patch
- Pot tomato plants on into growbags
- Plant peas and stake them
- Stake the broad beans as they are going squint!
- Best friend & boyf coming for dinner tonight, DH cooking home made lasagne
- Phone tax credit people and shout at them
- Ponder on E-on - they have reduced my DD again - need to look at bills & see if I am ok with this - dont want whopping bill in November!


Gosh thats a big list for me!! Onwards and upwards!!

Have a great day everyone xxxxxxxxx

pixiechick99

Morning all:j
SM - hope it goes well.....:D

It's my youngest's 10th birthday today and she's still fast asleep! So I've had a nice cuppa and browse on here while I wait;) We're off to my sister's in a few hours, an hour away. Tomorrow we're off to a mini theme pask place with sis, bil and 3 neices so that'll be lovely....and a picnic of course:D

Ok, back to today....her's my list:

• check banking - moved TCs and some money to girls club account
• Move my hard earned money from savings to current account so I can pay my holiday later:beer: (NO CREDIT CARD!!)
• scratchcards...darn fish in lippy again:o
• take my HM birthday cake to sister's for DD
• post a few ebay parcels
• feed girsl before we go so hopefully they won't want lunch while we're out;)

That's about it! Might not post tomorrow....if I don't...I'll see you all on Saturday:D:p

Miss_Piggy_2

Morning SM and all you other small DFW's!!

I'm confused today. Had TC's paid on Monday as usual. Then today I have some more. Anyone else had the same? Did let them know a couple of weeks ago about OH's wages going down. Maybe thats it.

Anyway, list for today:

* Checked on-line banking and am confused! (makes a change from depressed I suppose lol!!!)
* Storecupboard lunch and dinner
* NSD
* [STRIKE]Ring tax credits people and check[/STRIKE]Done. One off payment due to OH's money changing. Woo hoo!
* Do cleaning - bleugh
* Share bath with piglet - saves water and is fun (although I always end up wetter than him?:rolleyes:
* Do shopping list for Iceland tomorrow
* Do cupboard inventory so can do list for Mr T tomorrow
* Use exercise bike tonight - free exercise

Have good days everyone. Sun shining here so me and Piglet will be playing in the garden!

Miss P
xx

babyhead

:j I am pleased...obviously posting it here means I HAVE to do it as I managed to do everything yesterday! That's good. So with that in mind...

1/online banking - done. Gah - cheques take ages to clear! :mad:
2/work hours - having a quick and will then do these before OH gets home
3/empty all rooms of furniture (having some carpets fitted tomorrow) :eek: start this when OH gets home
4/send assignment docs off - DONE!
5/plan a cleaning schedule - done!
6/print off my grid for debt squares! will do when I start work!
7/scratchies - done
8/online shop - can't do as no money until tomorrow!!!! D'OH
9/update figures as its the end of the month! der..already done this!
10/update 20k by xmas 2009 thread with figs DONE
11/FIND and send book sold on amazon - if I can't find it issue a refund! OH will do this later as must be in shed! ARGH!

think that is enough for today !!!!! At least it is sunny Hope everyone is good!!

boopydoo

Morning everyone
Hope all goes well today SM- we get the health inspectors in every year in my mum's cafe and even though we know the records are ok I go into a shaking wreck and am convinced she is going to find something and shut us down immediately!!

Today I have/will:

• checked banking- phone bill and contact lens DD out early for some reason but at least the money was there though need to get to bank and pay money in today before car insurance comes out
• made small payment to CC
• do scratches
• print more notes in uni to use up the last of my print credits as uni have informed me they won't be giving me a refund :mad:
• do some revision although motivation is at zero right now

That's all for me today, very tired today so don't think it will be a late night in uni!

NewlyFrugalMumof3

Morning All,

Haven't been on here for a while, but have been lurking from time to time.
Well feel pleased with self but also guilty!

Yesterday, my OH and I had afternoon to ourselves as my lovely mum babysat our 3 boys.

We had scrumptious lunch at Cafe Rouge thanks to Tesco Vouchers/Tokens and only had to pay extra £6 plus tip, so very MSE and nice treat etc.

However, I then went shopping for children's pants and socks and came away from Debenhams with pants, socks, atlas jigsaw puzzles, night garden puzzle, sticker sets and 2 art sets for parties that DS2 has been invited to. So what we saved at Cafe Rouge I blew on non essential toys !!! :eek: But I did buy myself a bedside Alarm Clock - wind up, so no more electric there! V MSE

So today I will:

Return/refund 3 of sticker/art sets and redeem my overspend a little;
Find Money Neutral gifts for DS2's friends - maybe use nectar points;
Recalculate accounts/budget - ouch!!
Menu plan for week and not spend any more cash
Water vegetables in conservatory and garden
Pot on plants that are overdue and need bigger pots
Sow spinach seeds outside
Do general housework at home
Check online banking
Make bread in BM
Bake lemon cake for boys - mmmmm whilst oven is on with Roast Chicken cooking
Mend/fix DS1's favourite bed toy with spare material
Hang washing up/out
2 more washes on 30/c & 40c (towels)
Hang nappies on clothes horse
Walk pooch - free exercise
Take DS3 to park
Practise TaeKwonDo at home tonight - only start couple months ago, but am addicted!!

Think thats plenty to be getting on with. Busy busy day. :eek:
Have a great day everyone. :rotfl::rotfl::rotfl:

urg123

Morning All

Feeling awful today - hoping the ibuprofen will kick it into touch!




My list today:

• [STRIKE]storecupboard breakfast and dinner[/STRIKE]
• call dentist - filling fell out the other night!
• [STRIKE]clean kitchen (it's horrid!)[/STRIKE]
• Ebay 5 items (at least)
• Ironing
• [STRIKE]Declutter wardrobe[/STRIKE]
• [STRIKE]Submit gas and electric readings online for accurate bill[/STRIKE]
• [STRIKE]Call some people re mum's b'day using free minutes[/STRIKE]
• Walk

That's all

urg x x

Yorkielass

Yay I'm on here before lunchtime - spurred on by completing my list yesterday for the first time :j:j

Hello everyone :wave:

Today I have:
Worn my glasses (even though they really annoy me when I'm working) - so no contact lenses used
done pack ups for OH and I for work
had reduced bits from Sainsburys for breakfast again

And I will:
[STRIKE] Do 5 comps and my list of giveaways[/STRIKE]
[STRIKE] Do all the clickthroughs and surveys I get[/STRIKE]
[STRIKE] Have a NSD[/STRIKE]
[STRIKE] Make a pudding with leftovers tonight[/STRIKE] OH didn't like it though so that's my breakfast sorted tomorrow :rolleyes:
[STRIKE] Make a start on sorting our accounts, pots of money around - I've been so lazy with this [/STRIKE]Well made a tiny start
[STRIKE] Do a mystery shop[/STRIKE]

All done again :T

Pips_Mum

Hello All

Feel better soon Urg xx
SM hope inspection is ok x

Today I have/will:

• Scratchees
• Bake Twinks hobnobs
• Friends round tonight rather than going out:beer:
• Rang Payplan to see if they had more advice on horrible MBNA
• Book half price tickets to see Prisilla queen of desert in London, its on my 101 in 1001 list and combining it with best mates birthday treat so as MSE as I can make it!!
• Clap as new pram for Pip has arrived :T ooooooh so excited to look at it!
• Dodgy lodger paying me £25 so bit more off the debts :j
• Smile everytime I look at my newly striped feet!!:rotfl:

Have a good day everyone x x x