Wednesday 15/12/2010 – What Small Things…..

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! :money:

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,

Hope people do not mind me starting the thread today, loads to do so need to post and run.

Hi to all new posters. Hugs to those that need them.

Today I have/will
• Checked online banking – DD money has gone back in :T
• Check emails
• Breakfast and dinner from storecupboard
• Having a work Xmas lunch in the restaurant downstairs
• Used my rail pass to get to work
• Catch up with friends on FB rather than texting people
• Read newspaper online and get the free newspaper at the station
• Need to check out the freebies and the competition boards
• Drink 4 glasses of water at work
• NSD – really needed
• Need to send an email to the people at work who have not put into the collection for our boss :mad:
• Enter comps online
• Washing on a quick wash 30 degrees
• Catch up with this thread when I get home (I don’t get a chance at work)

Have a fantastic Hump Day fellow DFW’s

Candy xxx

Erme

Is no one else up? Where is everyone? Has this thread been duplicated? Hope everyone is well....sorry wasn't on yesterday - had a foggy head day and nothing really got done till about 4pm or so. Don't think getting up @ 5 really helped :eek:...seem to function a lot better if I get up @ 6...

Anyhow today's agenda


Wednesday

AM - Baking Day

• Check online banking
• Check message boards
• Wash up
• Ironing
• Go to AN re referral form
• Go to Uni Chaplaincy (check if fair trade cafe on) with New Year stuff)

LUNCH


PM
• Menu plan?
• Bake for tomorrow



Eve
• Evening routine
• Bed no later 10pm/


and right now I have to clean my teeth and desperately clean this pc

E

Candy0107

Morning Erme - That's what I was thinking....I don't think that I duplicated the thread....perhaps everyone is having a lie in!.......hope they turn up later.

Candy xxx

happycrafter_2

morning everyone, feeling a bit down today as my ebay items last night went for pennies some lucky people got some very very good bargins.

jobs to do today:

check bank
pay bills
monthly food shop
finish off shawl not many more rows to knit!
chooks, cat and dog fed and watered
work
try and shake off this down day

stitching_witch

Good morning everyone. I'm at DDs today as it's a "Grandma Day" so DGD and I are planning lots of exciting things. We'll be baking some Christmas goodies and having lots of visitors later so I doubt there will be anything left for the big day!!

So far today I have:

• checked banking
• done a few rows of DGS's Christmas present

I will also:

• take DS3's Christmas present back as it's faulty - good job I checked before wrapping it
• do loads of baking
• just buy milk and bread
• keep an eye on surveys
• make dinner from DD's stores - possibly Chilli con Carne

Looks like a busy day with collecting DGS from school, visitors at 12noon and 4pm and baking too so I better get DS3 out of bed and head into town.

Pernicious

Morning all,

Doctors today later...bit nervous about that but hopefully I'm just worrying for nothing!

Today I have/will:-

• Finish 2011's bills diary & calendar
• Make a homemade xmas card for my mum & dad
• Finish up organising the accounts paperwork
• [STRIKE]Update food diary/plan[/STRIKE]
• Find items to ebay
• Keep reading through "losing lbs whilst saving £££'s" thread
• Finish pots of gold
• [STRIKE]Work more on "Girls night in packs"[/STRIKE] - Very nearly finished!
• Call Orange & try to switch tariff
• [STRIKE]Enter comps[/STRIKE]
• [STRIKE]Check for surveys[/STRIKE]
• [STRIKE]Check online banking[/STRIKE]
• [STRIKE]Park at my friend's house so I don't have to pay for parking at the hospital, it's only a short walk away[/STRIKE]
• [STRIKE]Buy a few tags/gift bows from a cheap shop as I can't find my stock[/STRIKE]
• Wrap presents
• Tidy up some more
• [STRIKE]Washing up[/STRIKE]
• [STRIKE]Pop to tesco to pick up a few fresh bits, don't deter from list[/STRIKE]
• Spend at least 10mins going over my tkd terminology - need to pass first time not shell out twice
• [STRIKE]Think some more about what to include on my 101 things in 1001 days list[/STRIKE] (Thanks to Stitchy for the idea).
• Try & get an early night so I'm not late for work again - not very MSE to lose my job
• [STRIKE]Forgot to add - Read Martin's email[/STRIKE]

Hope everyone has a great, moneysaving day x

stitching_witch

Pernicious wrote: »

• Think some more about what to include on my 101 things in 1001 days list (Thanks to Stitchy for the idea).

Thank you for what you said on yesterday's post. I only got chance to read it this morning and was really touched by your kind words.

Do feel free to post on the 101 things thread even though you haven't started yet. It's great to hear people's views over there.

Pernicious

Thank you I will do Won't be long until my list is up anyway as I plan to start from the 1st January, get Xmas out of the way & start the new year as I mean to carry on.

Amara

Hi!
Day like everyday.
-go to my customers
-cook a tea
-go to bank
See you!

thriftymoo

hi all! hope everyone is having a good hump day!

Today i have/will:
*brought lunch from home.
*not paid anymore than i have to for parking
*have a LSD (had to buy some cold stuff from chemist on way to work boo!)
*charge phone at work
*ive transferred survey money over to bank account so that will help a little.
*checked bank - little bit o/d but no more than expected.
*will get health insurance claim form ready to send and will post it!
*check surveys.
*knit bit more of pompom scarf that im knitting for parents friend

see ya later x

complimentschemistry

Morning all,

Bit cold today isn't it? My manager isn't in a v. good mood today so I'll have to make this a quick one... he picked up a coffee for me this morning after offering to get them (not very DFW but I reeeeeaaaally fancied one!) and then complained that 'he didn't want change' when I had to raid my change pot to pay for the coffee! It's still legal tender! Grrr!

But anyway, things I'll be doing today...

• Speak to my DMP manager today so I can get an update
• Call my sister to see if my new card came in the post today
• Won't be buying lunch as we have an xmas buffet at work
• Using things up from the cupboard for dinner
• Going to a friend's for movie night instead of going to the pub

Happy money saving guys and gals! x