What small moneysaving things have you done today - Thursday 24th December 2009

Lemon_Tree

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


today i will:

stay at work till 3.30 when flexi time lets me go home yay!
check online banking - make sure everything is where it's suposed to be
check free scratchcards
check free bingo
left overs for lunch, at my sisters for tea
going to make a cake or two towards tomorrow's celebrations
scrounged a lift from my sister to get to parents tomorrow so OH and i only use one car (he's going there straight from work)



OMG i'm starting the thread for today - or at least i can't seem to find one already started!

Lemon_Tree

Oh i also meant to say - happy christmas to everyone, i'll probably be online tomorrow but if you're not i'll see you back here on Saturday.
Have wonderfull days with your families or whatever you have planned.

honey

Merry Christmas Lemon Tree

My first time on this thread although I have often read it. Today I have/will :

Make my first NSD
Make gingerbread house with bits we have in rather than following decoration in the recipe to the letter
Lots of baking with the children for Christmas Day and Boxing Day
Work on my new finance spreadsheet
Hang the washing out for an airing if not a drying

Have a lovely Christmas everyone,

honey x

pink-wellies_2

This is also my first post - whoop whoop!:j
I've been a reader of this site for a year or so, and finally thought i'd join in !

Today I have/will:

*NSD
*Car stuck in the snow, so no petrol used!
*Leftovers for tea (Yesterdays lamb, and a half used korma sauce = yum!)

Happy Christmas!
pink-wellies x

juicygirl

Thanks for starting the thread Lemon Tree . I love posting me wee achievements here!

Today I have:

-Had a LSD - got my nails and my's sis's done (for her bday) for £5 each. Gorgeous french polish and much cheaper than I used to pay (pre LBM!)
-House all tided and lovely clean sheets on the bed
-Store cupboard lunch
-Dinner at Mum's
-Checked online banking
-Onepoll surveys
-Church today - true meaning of Christmas without spending a penny

Welcome Pink wellies. I've given you your very first thanks!

Merry Christmas to all on the brilliant thread! xxx

catmiaow

Hello all and Merry xmas for tomorrow :j

Today I have:

Checked bank - Didn't get paid at job 2(Which is the one I handed my notice into) Contacted HR to be told to put in writing to manager, done that ready to send off on tues. They are so incompetent!
Worked over four hours this morning at job 1, glad I got let go early as it's snowing like mad here!
Shower rather than bath
See to cats
Take rubbish out
Vacuum upstairs
Dust the house

Dinner from meal plan and need to mop kitchen floor

Hope everyone is having a good one!

~Yorkshire_Belle~

Hello everyone, new people and regular posters.
Been baking and wrapping and tracking Santa!
Has LSD - bought DS a drink when he came for a walk with me.
Hope Christmas is a time of peace and joy for you all, with loved ones or however you chose to spend it. Everyone who posts on here has given me gifts each time they post of companionship, a common purpose and lots of fun.
Here's to a money saving Christmas in 2010 and al the tine in between too - keep sparkling!

Casperthefriendlyghost

Hi everyone

Merry xmas and a fabulous 2010 to you all, another year to make some serious dents in my debt and working on getting my balances down!

Today I have:

Stayed at home.
NSD.
Stopped smoking today (not sure how long that will last, am scared!)
Sorted out my online banking.
Updated my spending spreadsheets and budget.
Reduced my total in my signature to just over £40 000, can't wait to be under £40 000!
Completed Toluna surveys.
Completed Lightspeed surveys.
Cooked food from the freezer and storecupboards.

Have a good evening peeps!

catmiaow I've just noticed your weight loss in your signature and that's truly amazing! 58.5 pounds. I'm so jealous as I've only managed 32 pounds so far but as your signature shows, it can be done! I've another 35 to go! Am hoping that the stopping smoking's not going to put a spanner in the works! Am determined not to let it happen!

Cheers
Casper
x x

firestronaut

I phoned around the council today, trying to sort out a payment plan for a debt I've been ignoring. Didn't exactly get anyway, but it made me feel in control

Not looked through the sales to avoid temptation.

And today is my official first day as a DFW. I faced up to what I owe and more importantly, decided to work through them rather than bury my head in the sand. Wanted to cry when I find out EXACTLY how much I owe, lmao, but I guess I needed to know the truth for the kick up the bum.

I also paid £1.50 from one of my debts. It's not much, I know, but if I make a couple of £1/£1.50/£2 payments a month, it'll all add up

sans_2

Merry Christmas to everyone who posts on this thread.

My dfw things:

• charged phone at work
• sent e-cards
• posted cards to neighbours
• wrapped up DHs presents using up used paper from last year

Not long now. :T

firestronaut

I also didn't go to the pub for a christmas drink this evening, saving me between £15 and £20 in drinks and £5 in babysitting