Tuesday 12.01.2010 - 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

Hope you don’t mind me starting the thread, but I have to get to work in a mo.

Hugs to those that need them, hi to all the regular posters and welcome to any newbies.

Today I have/will:

· Check online banking – made a payment to a debt (while the money is sat in my account)
· Enter comps online
· Daily scratches
· Meals from storecupboards
· Have a NSD – must do this only 14 days left at work
· Start work as soon as I get there
· Read newspapers online
· Washing on 30 – except for towels and t-shirts which need 40 to kill bugs etc
· Read more of my library book
· Look for a job – must do this only 14 days left at work

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

Candy xxxx

SilverCo

Morning all :hello:

Back to work this week after a couple of days off and still loads of icy patches on the walk into work!

Today I will/have:

• checked online banking (all as it should be!)
• charge mobile at work
• plan meals from my panic buying episode in Mr M on Saturday
• update spending diary
• brought HM sandwiches into work
• aim for a LSD (need to get some bits for training course in S'ton this week)

Have a great day everyone! Keep warm :snow_laug

Silver x

pixiechick99

Good Morning everyone....thanks for starting the thread Candy....you beat me by seconds;);)

Well....girls are hoping for more snow today, have a repeat of last tues night I think:D It's forecast to be heavy later.....so we'll see.

I feel better than yesterday....hooray, so must make a start on some Uni work...nothing strenuous of course:p

Ok...list:

• check banking - looking good (weather's helped;)) - moved bingo winnings to savings
• opened yet another current account....thinking of a separate 'grocery account'
• daily scratchies
• NSD hopefully....should be ok, not going out, just need to not buy online:rotfl:
• packed lunches for girls
• meal from plan....burgers and oven chips
• get few bits on ebay....didn't do yesterday
• enter comps
• get Next/Littlewoods returns off
• hoover
• uni work.....feel free to shout at me on this one:rotfl:

Ok.....that's all.

mickey_mouse

Goooooooooooooood Morning everyone

today I will be
- doing fitness dvd
- scratchies
- nsd
- comps
-daily clicks
- food from mealplan

have a great day

Memory_Girl

Hi Guys

HM Bread and HM Sultana Bread (Mixed in Breadmaker and baked in halogen oven) - BOth for boys and Dad cos still eating from SW plan

Bfast and Lunch cooking (Khichri with poached egg and split pea soup) All from storecupboard and FREE on SW.

Free excercise - I've dug out all my old excercise DVD and Videos and making sure I do one a day for variety.

Only spend today should be petrol for school runs (start tomorrow) But I haven't spent a penny of my petrol budget in nearly 5 weeks now.

Dug out and old silky duvet cover and will be cutting it up to make into pretty silky bags - target is to make £125 of "product" to sell per week. I will sell them when I come off benefits. (£125 is a 1/1000 of my mortgage) Gonna craft myself to MFW.

Got SW tonight - but its on a countdown.

Found a blog site to start my new SW blog (lots of people ask me for my recipes so thought this would be easiest way)

Keep warm Guys

Memorygirl

angelflower_2

hello all

- withdraw budgeted cash from cashpoint for weekly spends
- take double points voucher with me to get petrol
- only basics grocery shopping
- free cinema trip tonight with sky perks
- forgot to take lunch with me today so get something v cheap (ie bread/cold meat rather than packaged sandwich

in_spired2

checked banking online
scratched and clicked
NSD planned
busy housework day planned - stay active and warm so I can turn the heating down a degree or 2
will wash on 30
turn off the PC most of the day :O

lil-bit-skint

Morning all,

Have checked online banking (nothing changed from yesterday!)
Bought a pack up in for lunch
Will investigate clicks and scratches at lunchtime (sounds very interesting!)
Going out tonight but tickets to panto were free so big thumbs up (will take christmas chocs instead of buying naughty sweeties)

thought this would make you laugh...

Got home last night to find that my boyfriend had been shopping in morrisons and bought 6 bottles of evian as they were "only a quid and I thought they were a real bargain!" Personally I think the free stuff out of the tap is a real bargain but there we go!

:-)

thriftymoo

Hiya all, hope you are all doing okay

Today I have/will:
*brought in lunch and snacks - done
*have a NSD - okay so far...going straight home after work!
*check internet banking - done all fine
*can't go to gym as someone managed to let the pool empty itself?!?! how didnt they notice???
*will stay in at lunch time and read my book - done
*put a quid in my penguin money box for savings - done
*try to remember to do my scratchies - i've forgotton loads recently
*try to remember clicks
*Check for mystery shops - there is one but its far too confusing!
* check for surveys

catmiaow

Morning all,

Today I will:

Check online banking
Pray no more snow arrives....
See to pets
Take kitchen rubbish out
Lunch from freezer
Dinner - meal plan
Apply for jobs
Post test letter
Daily comps
Ring my nan using free minutes

Hope everyone has a good day!:j

Egghi

Today :

• I am having a NSD as I am not going to go out of the office at lunch time
• I brough HM lunch from home
• I am drinking tap water from the office
• I had a free coffe from the office coffe machine (needed to go upstairs but it's worthing:-))
• my colleagues gave me a 5 GBP voucher to be spent in Boots. yuppy:rotfl:
• I checked my Quidco bank account and found 16 GBP of cashback from transactions made by my BF yesterday:T
• I am going to cook focaccia and nice meal at home for very few pennies
• I am going to wash my BF shirts at 30