Saturday 2nd and Sunday 3rd January 2010 - What small DFW things have you done

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,

It’s the weekend….I can see Monday and back to work on the horizon :eek:. Oh well, best celebrate weekendness while I can. So far I have/will:

· Checked online banking – no change but I had to check
· Enter comps online
· Daily scratches
· Meals from storecupboards
· Have a LSD – meeting a friend in town for a coffee but to offset the cost, I will walk to town and back (saving £3.80 bus fare)
· While I am in town I need to take some books back to the library and renew others
· Need to buy lottery tickets for this week
· Need to find out how much is in my savings account
· Washing on 30 – except for towels and t-shirts which need 40 to kill bugs etc
· Read more of my library book

The following were on my list yesterday, but I never got round to doing them as I fell asleep for 2 hours! :eek:

· Watch the crochet DVD that I got yesterday
· Need to cut out my pattern ready for next week’s dressmaking class
· Need to measure myself and cut out the material
· Need to tidy my dressmaking box
· Catch up on yesterdays forum
· Need to do a food plan for January
· Need to measure myself and do my weight journal
· Need to learn how to do advanced excel functions (this has been on my list forever)

Think that is about it but I am sure there is more to do, take care everyone

Candy xxxx

brokemedic

Good morning..

I am going to/will

Check online banking as well, even though there is no change - I do it every day
Do my scratchies
Transfer £10 from one of these scratchies to my bank account (this will go towards my MBNA card)
Juice some carrots/apples before they go off - got them for free from a friend who was heading home for the hols.
Have a NSD
Do a night shift tonight

Hope everyone has a good day

~Yorkshire_Belle~

Hi Candy , hope you are feeling better especially with that long list to tackle!
Hello to everyone who follows

Short list today

• check bank and move money to vsp
• plan meals for next few days from what we have in already
• seal back door with something to stop howling gale whirling round kitchen
• either today or tomorrow take decorations down and store in attic for next year
• skype sister
• print out flylady and give it a go next week. I used to follow her on her own site but got a bit much so will try the OS version as I need to get some order back into my life!

Have a great Saturday - wrap up warm!

PS Bagpuss - did Doctor Who live up to expectations?

catmiaow

Morning all,

Today I will:

Check online banking
See to pets
Dig myself a path so I am not half covered in snow as I walk to the bins
Meal plan for next week
Ring my nan and mum using free mins
Daily comps

Hope everyone has a great Saturday!:j

Ripptorn

These are fantastic habits, such as checking the bank account each day and keeping lists of everything you do to help yourself. I should get into that. Sometimes I'm afraid to look at my account, even though I am nearly two years into an IVA and should be more meticulous.

But this is a habit I WILL adopt in 2010. You have really brought home to me how important that is. Thank you!

Sewing is something I am investing in. I asked all my relatives to give me shop vouchers for Christmas and I have now ordered my sewing machine. I'm quite creative and the things I have up until now been making by hand can be more swiftly made and in larger quantity, possibly with a view to start selling. I have a very encouraging friend who is willing to help me do the on-line stuff that I won't have time to do once my second baby arrives in March, and my fiance will happily make me a website when I get to that point. (watch this space!!)

I believe in 'mate power'!! Everyone needs support.:T I would advise people allow others to help them whenever and however help is offered.
No point in feeling alone when there is a someone ready to help you.

catchooky

Hi everyone




This weekend I need to:

• List 11 more things on ebay
• Do a leaflet drop of my vie at home stuff and [STRIKE]label some others[/STRIKE]
• 4 hours looming OU essay:eek:
• clean and hoover bathroom
• Tidy bedroom
• hoover living room and bedroom
• 2 hours other looming OU essay:eek::eek:
• Finish english report for when I go back to college on the 12th
• Go for a run:A
• Mend my boyfriends jumper for him
• Read and chuck the magazines I don't want to keep
• [STRIKE]Finish a cross stitch I am almost finished but its getting tricky so I [STRIKE]keep putting it down[/STRIKE][/STRIKE]
• 2 hours of my dads stitch for fathers day - it's a submarine and the chart is 16 pages long - I've only done one page so far
• Bake ww cookies for which I have a packet mix
• AND FINALLY my OH is ill in bed so I've roped him into doing the shredding for me today as he's just lying there:p

UPDATE - gave my OH the shredder and the bag of paper to be shredded - showed him how to do it but warned him against putting too much in. He said that he knew what he was doing, as I was leaving the room he shoved a big handful of paper in and it jammed :mad::mad::mad: think he did it on purpose so I don't ask himto do anything for me again. So mad!!!

mogchops

Hello! *Mogchops skulks in wearing dark glasses*

I have been a very bad mogchops and been away from here for far too long. I have given myself a very firm kick up the backside and resolve to get back on track for 2010!! :j

Today I have already:

- Checked online banking
- Totted up end of month balances :eek:

Still to do:

- Quidco clicks
- tea from freezer
- going to mums for lunch
- low spend day
- meal plan for next week

Hope everyone is well and has had a good Christmas and new year!!

WelshWoofer

Morning all!
Woke up to a fresh covering of snow today - poor doggy doesn't like it but has been for his first trudge of the day!

Did have quite a few plans for today but may change them due to the weather, it looks like there's a wodge more snow in the sky ready to fall.




Today I will...

• Walk dog x3 for free exercise
• Go swimming for £1 with SU card (if weather is OK)
• OH out this afternoon and most of evening so will spend a good few hours polishing uni assignment while its quiet
• Put dry washing away
• Check banks
• Do any surveys that come
• Not withdraw cash from bank just because its Saturday (need to break this habit) - have about £20 in purse and don't need to spend more than a fiver today if I don't go far
• Book hair appt for next Sat
• Do spending diary online (going well so far, started on Dec 27th)
• Have a little tidy of wardrobe and maybe chuck some stuff out (charity shop) as can't fit everything in anymore
• Do a quick hoover round
• Resist going shopping until tomorrow (or even Monday)

That's it for today - I'll be back tomorrow with another list

honeybear_2

mogchops wrote: »

Hello! *Mogchops skulks in wearing dark glasses*

But how can we tell it's you? :rotfl:

Morning all

This weekend I will:

• keep an eye on my accounts - they won't change but I like to check
• clean the bathroom
• go to the gym
• make a casserole - yum

And, most importantly,

• laze around in my flat enjoying the weekend :rotfl:

firestronaut

Today, I have or will;

• Checked bank online
• Listed more things on eBay
• Make a payment for PAD
• Find the t-shirt I need to return to Asda
• Try and get to the gym
• Shop around for some nicotine patches

I cant believe the ground is covered in snow AGAIN :eek:

crawley_girl

Morning people! We had a little bout of snow last night, very chilly even with the heating on all night!

So, today I:

• am working in my 3rd job - waiting for confirmation of hours!
• will be eating bubble and squeak made from left off veggies
• will be passing on a load more cooked veggies that I know I won't use - my friend will whizz up and eat as soup - sprout soup anyone?!!!!!
• have checked online banking - samey same!
• have made a small PAD
• need to try and get hold of some money bags - emptied the £2 tin last night as it was full and I had £210 in there!!! Will put half towards debt and half towards some new clothes! But need the bags to be able to pay into the bank!!!

:heartpuls CG :heartpuls