Friday 31st July - What small DFW things have you done today?!

Candy0107

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 to everyone else who posts today. Hugs to those that need them

Yay, Friday !!!! :j:j:j

Today I have/will:
• Checked online banking – payday today so moved money around
• Meals from storecupboards
• Enter comps online
• Have a LSD – apart from a payday treat of coffee and a sandwich
• Look on the internet for jobs in the local area
• Work really hard at work – will probably do overtime as we are still mega busy (and understaffed)
• When I eventually get home look at my CV and jazz it up a bit (obviously not lying though)
• Start writing an interview pack – comments on how I can sell myself, questions to ask etc
• While I am on the internet catch up on yesterday’s forum
• Off to register with another agency before work today (need to phone the current agency to advise that I will be slightly late)

Think that is about it…..have a great day everyone

Candy xxxx

katylittlelady

Morning all:j

Haven't been on this week as been doing the end of month competitions, there are always loads but always worth doing as you never know what you might win which could save me lots of pennies!! Have the day off today as working Sunday so plan to do quite a few things today so here is my list for the day:

1. [STRIKE]Check on-line banking[/STRIKE]
2. [STRIKE]Daily scratchcard [/STRIKE]- Double scratchies today (2 * 10p)
3. [STRIKE]Daily lotteries[/STRIKE]
4. [STRIKE]Daily competitions[/STRIKE]
5. [STRIKE]Writing planning[/STRIKE]
6. [STRIKE]Pick up parcel from post office[/STRIKE]
7. [STRIKE]Buy cheap veg & fruit from market[/STRIKE]
8. [STRIKE]Cancel 3 credit card direct debits which husband is now paying[/STRIKE]
9. [STRIKE]Washing Up[/STRIKE]
10. [STRIKE]Washing on low temp[/STRIKE]
11. [STRIKE]Do nails[/STRIKE]

Think that is about it! Have a lovely day everyone, it's nearly the weekend (already is for me - yeah!!:j)

All done quicker than expected so also adding the following to the list:

• [STRIKE]Food from stores - going to make home made meatballs for this evening! [/STRIKE]Always wanted to try making my own so will be 1st time making them!
• [STRIKE]Relax with my galaxy book on the sofa[/STRIKE] - Managed to have a sleep as well!
• Do weekly competitions
• [STRIKE]Any available surveys[/STRIKE]
• Do weekly food planner

sophiesmum_2

thanks for starting the thread candy, have a great day at work
Lovely Friday:j:j and the sun is shining:j:j yay!!!

Hope you all have agreat start to the weekend.

Todays list for me;

• check online banking
• update spreadsheets
• lots of paperwork to be shredded at work and added to compost along with the potato plants I dug up yesterday.
• pick my blueberries before the birds get what is left - first crop ever:D
• meals from stores and freezer
• filled up car at cheap garage earlier this morning
• visited poorly dad already this morning, and took flowers for mum as it is my brother's birthday who died in sept. Not moneysaving as such but have to cherish the family I have left xx
• call friend using free minutes
• still not made my marmalade must do that:rolleyes:
• laundry hokey cokey with washball
• sparkle and appreciate the good things in my life

Happy Friday!!!!:j:j

babyhead

:j:j Friday...:j:j:j

As i've been good this week it is a fairly relaxed friday - although as I type the painter has arrived to carry on with the bathroom. 2nd time i'm not dressed so have chucked some clothes on quick. Well at least they are here.

Plan is -

1/online banking - done
2/scratchies - done (double scratch day!)
3/figure out what to do to get around pay chq not arriving :rolleyes: so we don't go OD done - lots of juggling
4/catch up bit of work next job done
5/cleaning list - is short today!!! will do once i've had bath done
6/have a long relaxing soak in bath after work jobs done - ah
7/NSD yep
8/food from stores yep
9/do comps/freebies just about to do now so done
10/entertain DS for free yep
11/chase up catologue money to pay tomo :rolleyes: yep hopefully should get money tomo.
12/carry on researching flylady and gardening tips... yep.
13/odd job list nothing done off this today
14/meal plan and online shop done to be delivered tomorrow

think that is it for today. Jeez I thought it was a quiet day???

Have a good day everyone! Thanks for starting the thread. Hugs to all that need it.

:j:j:D

edinburgher

Everyone always has such long lists - it puts me to shame. Lots of very good thrifty domesticated ideas today, of which I'm a big fan (stay at home dad = my dream job!)

Today I have:

1. Paid off my overdraft after 8 years! This was a massive milestone for me, as my poorly managed overdraft was the first slip on the ladder down to debtors' hell
2. Did most of my internet banking before 7am - I always make sure that transfers for rent, broadband etc. are made to my GFs account as soon as possible so that she remains solvent.
3. Having a NSD (ok, I may buy a couple of beers to celebrate my victory).
4. Consider starting up Dooyoo reviews again, as I was making reasonable amounts of voucher money that was making gift buying a whole lot easier.
5. Pay in a £50 Dooyoo cheque that I'm using for debt payments.
6. Haggle for water filters on eBay (our tap water looks like milk it's so hard!)
7. Think positive thoughts and look forward to living in debt free bliss with my lovely GF (who's also aiming to be debt free early 2010).

sophiesmum_2

:beer::beer::beer:
Well done on clearing the overdraft Edinburgher, think you definately deserve a few beers :beer::beer::beer:

slig

Hello all! Happy Friday!

Today is in a way my debt free day, as for the first time in years the money I have in the bank is higher than my debts (I have one remaining CC which is on 0% interest). However, if I paid off the credit card today I wouldn't have quite enough cash to get me through the month, so my official debt free date will be Friday 28th August (hopefully). Yay .

However, today is not going to be a very DFW day:

Scratchcards - 35p
Check online banking
Not quite a packed lunch as I managed to burn my pitta bread this morning, but I've got some fruit and there is cake at work, so hopefully that'll get me through to 4.30.
Check for mystery shops, surveys, etc
Chip shop chips for tea I reckon - not very DFW or healthy, but it's the cheapest takeaway so almost is
No time for writing today, but will have a think about plots etc - I tend to have all my best ideas whilst driving!
Haircut tonight - totally not DFW in the slightest (it's one of my biggest vices in fact) but I haven't been for a couple of months.
Night out tonight - I haven't had a proper night out for about 6 weeks, so even if I spend £30 (unlikely!) that's still within budget
Will get a lift home

debt_obsessed

Morning all, it's Friday and payday for me :j

Today's list is:

1. Check online banking
2. Surveys
3. Charge phone at work
4. Lunch from home
5. Change to sealed pots
6. Withdraw various allowances / transfer money
7. Update spreadsheet
8. Check ebay sales
9. Start spending diary!
10. Sort out paperwork tonight - having a night in!

Think that's enough, enjoy! :beer:

Jag_Babe

Morning Everyone,

My plan for today is -

• Catch up with emails done
• Check for mystery shopping assignments done
• Check pigsback account done
• Pay cheque into the bank and get some coin bags done I forgot to get coin bags so will get them on Monday when I am back in town.
• Check online banking and move money around done
• Complete projects for work done
• Check ebay account done
• Daily scratchies done
• Spend some time with the new foster kittens - Ok not money saving but relaxing done
• Update diary and sort list for tomorrow done
• LSD - Only spend what is budgeted for and pay necessary bills. done
• Pick my mum up as she is coming to spend the day with DS - take the most direct route. done
• Lunch and Dinner from the store cupboard done
• Source a picture of my long term goal and stick it on my credit cards. done

Oh well slightly shorter list from me today so hopefully I will get everything completed.

LilacPixie

Payday for me too. I appear to be richuntil Monday when all the monthly DD leave my account. I have pig cold/swine flu so a NSD for means I can't go out.

Today I have/will

• [STRIKE]Check online banking [/STRIKE]DONE
• [STRIKE]Sweep excess pennys into savings account [/STRIKE]DONE
• [STRIKE]scratchies[/STRIKE] DONE
• Try and list on ebay if i feel up to it
• Lunch from store cupboard if i feel like eating
• [STRIKE]Tea from freezer for family [/STRIKE]DONE
• [STRIKE]Call mortgage company for standing order details[/STRIKE] DONE
• Make shopping list for OH to do tomorrow morning
• Surveys
• look for more mystery shops for when better
• Try and do a review on DooYoo
• Read up on matched betting
• [STRIKE]Deal with any mail that comes [/STRIKE]DONE
• List the christmas presents I have already bought and put away

andrina_nightshade

Good morning all!

Thanks for the starting the thread Candy And well done to edinburgher on getting rid of that overdraft! :j

My list for today:

• free scratchcard (last riday of the month, so it's double scratch day - 2 x 10p, plus £1 for logging in, which seems to have gone into the balance rather than the bonus :j)
• daily clicks
• check for surveys
• food shopping (bah) but sticking to a list
• go to bank to cash in wage cheque
• leftovers for lunch
• storecupboard dinner
• update blog (have written the post, but didn't get the opportunity to load it last night)
• email friends from writing class
• sort out spreadsheets
• post rental DVD back to Tesco

I think that's all for now. TGI Friday x