Tuesday 2/6/09 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, another lovely sunny day today.


Today's list for me:

• check online banking
• update spreadsheets
• storecupboard lunch and tea
• take out lunch for DD
• check everything in greenhouse and water

• use gym membership for a swim
• hokey cokey and ironing
• clean one room so no housework at weekend
• send letter to DD's insurers requesting refund on insurance of scooter - 6 months unused on policy.
• sparkle a lot at work

Have a lovely day everyone. Hugs to anyone feeling poorly or down - hope you feel better soon.
Big wave to all the regulars and welcome to any new posters.
Have a lovely day everyone.

pixiechick99

Good Morning Sophiesmum and all those who appear later on....:hello:

I got on fine yesterday - the scan went well, was over quicker than I expected. I just suffered the after effects of the nasty stuff I had to drink later on:rolleyes: Was very sore, uncomfortable and bloated, but that's all gone now;)
Thank you everyone for your good wishes1:A

Anyway, back to work for me today after half term...
Today I will:

• check online banking
• daily scratchcards
• packed lunches to work for all 3 of us
• charge mobile at work if I rememebr
• post ebay parcel
• take dinner for girls out of freezer
• Tesco shopping - with list

That's all I can think of. Have a fab day everyone;):D

Yargo1

Morning all.. not been on here for a while...need to get back on track!!....

Have made payment a day to one of the dreaded ccds

Am going to charge mobile while at work..

And not buying anything from the sarnie man / ice cream man today!!!

Hope you all have a good day x

RosyP

Good morning Sophiesmum, Milly Scarlett and Yargo, glad it went well for you yesterday Milly. xx

Right, I am going to make this a daily thing. The days I do It I keep on track, things get slippy when I don't bother. So todays list:

Make myself a packed lunch and take a bottle of tap water to college.
A No. Spend. Day. Remember those RosyP??? :rolleyes:
Finish off my college work so I can have a money saving blitz tomorrow ready for a money saving and making summer time! :j

A short list that is in reality not so short!

Have a lovely sunny day everyone.

RosyP

my_mess

Hi there All - nice sunny day here again !

For me today :

- free scratchies and clickies
- meals from stores
- water plant and seeds (they have shoots!)
- washing done on low temp and line drying
- sort out the product key for my copy of Office suite
- use up toiletries
- have a no spend day
- make up ebay item to post
- add some books to amazon to sell
- finish stitching
- update my 101 in 1001 list and blog
- checked online banking - (grim)

Think that's me for now

Have a great sunny day

Pippilongstocking

Mornign all quick list for me
Shamelessly stolen from SM - check everything in greenhouse and water
Store cupboard tea, lunch and brekkie
Show a room to a student today for next year - tidy up a bit
Cheque to bank
Use office truck at lunchtime to take student to house as its 'work' kind of
Listen to Abba - nothing really very DFW there - it just cheers me up
Do lots of work
Walk doggies in field (use truck and then save petrol)
Um not sure what else
Make a cunning plan for the rest of the work month

Planted half of the veggie garden last night and lots of flowers Ideally I want a wet day but a dull day would do - however it looks a bit sunny.....:)

Also need to do more planting tonight with DD or DS - was a laugh buring potatoes alive last night

Waves to you all in pj's omg best run and get readdy

Milly glad things are OK

babyhead

Morning everyone!

Glad your hospital thingy went well yesterday.

Well had a goodish day yesterday - got lots done and then OH came home and told me one of his friends passed away yesterday It's awful. He has been unwell but we all thought he was getting much better - but he had an awful night and that was that. Its awful. OH is really cut up. So didn't do a lot last night just spent time with OH. It puts things into perspective doesn't it?? OH has decided today that we need a holiday so we need to start thinking about where etc so I can factor that in to our debt plan! :rolleyes: Realistically will be next year though.....

Plan for today is -

1/online banking done
2/scratchies done
3/work hours
4/cleaning list for today
5/make OH sandwiches
6/play with DS lots
7/post office with book i sold on amazon and pay Nat Ins
8/start to think about hol next year

think that is enough for such a sunny day!! Have a good day everyone!!

DawnW

Morning all :j

Lovely and sunny again today. I am going to work at home this morning to avoid sitting in my cave oops I mean office and missing all the sun! Must go in to work after lunch though as I have another late night :mad:

I am crossing off the days until the end of my contract now, but there still seem to be a lot to go :eek:

Today I have / will:

Check online banking (done)

See to animals and plants - pigeons keep eating my young broccoli and kale plants :mad: must ask OH to make up something to protect them! I hate pigeons, there are so many of them!

Make the soup I didn't get around to on Sunday :eek:

Help DD2 with her dissertation AGAIN - thank heaven it has to be in tomorrow :j

Work, work and more work

Glad all went well yesterday Milly.

Hugs where needed x


Have a nice day everyone :hello:

OliveOyl_2

Morning All :hello:
This good weather is a good kick up the backside for me, the sooner our debts are gone, the sooner I can retire/join Popeye/enjoy the sunshine
You're right Babyhead, there are more important things in life, hugs to your OH for his loss and good on you for looking after him

So shamelessly stealing from anywhere on MSE (you're not the only one Fay ) I'm now keeping a spending diary, aiming for many many NSD's and head down to the finishing line.

Today I have/will:

• had a NSD yesterday, and will only spend 20p at rehearsal tonight.
• 3 loads of washing done yesterday evening (& o'night) at 30 and hung out on line this morning. Even intercepted the lodger taking her ONE pair of trousers :eek::eek: and added my stuff. I know I told her that the water/electricity is automatically reduced for half loads but honestly! :rotfl:
• menu planned supper, & packed lunch :money:
• made banana loaf with lodgers discarded bananas
• will pay her (late) rent into the bank, to repay what I had to take out at the weekend -this is more MS than I ever used to be, that money would have slipped through my fingers previously :rotfl:
• charged phone at work
• water vegetables (I now have peas, broad beans, beetroot, cucumber. melon, garlic, carrots, potatoes and sweetcorn ) and herbs. (And pigeons have really enjoyed my bean plants too :mad: but I've added netting now.)
• scratch'n'click
• keep an eye out for mystery shops - I keep missing them :rotfl:
• done banking and found a cc bill I had missed and paid *just in time* to avoid charges. :o Pheeuw

Have a great day everybody.

talliedebtbuster

HI everyone, once again delays getting on here, i see everyone is having a busy summer! and babies galore!! Well done to you all getting things together

Its beena mad weekend for me, the flat fell through sunday after vaulation came back 15k under and the girl pulled out....then yesterday she finally gave in and im buying it at the valuation!!! Saving me 50 pounbds a month on the mortgage and 2k on the deposit!!! Just waiting for it all to go through

I have so much to sort out still esp with finances!

Hayfever has got me terribly so going to lay down x

urg123

Morning all,

The office is sooooooooo hot - Not even the fan is helping. It's much nicer outside. Might go and see if I can set up outdoors!!!!

I am not going to do a grocery shop this week and am using that towards meals at work. Not sure if it will work but I am going to try.



My list for today:

• [STRIKE]Charge phone at work[/STRIKE]
• [STRIKE]Scratchie[/STRIKE] - 10p yet again!
• [STRIKE]2 Washing HCs - 1 load in as I left for work[/STRIKE]
• VAcuum hall and stairs
• [STRIKE]Clean bathroom[/STRIKE]
• 15 mins decluttering/tidying
• 15 mins ironing
• [STRIKE]Visit different supermarket for more shopping for mum's b'day party[/STRIKE]
• Walk for 30 mins
• [STRIKE]Storecupboard dinner[/STRIKE]
• [STRIKE]update spending diary[/STRIKE]
• [STRIKE]Call dad and ask him to find out about possible wedding venue (he is a member so would get it cheaper!)[/STRIKE]

Have a great day

urg x x