Thurs 7th April 2011 - What small DFW things have you done today?

Erme

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.


Hope I've done this right...first time starting small things thread on the whoopsie mac

So today's agenda (yes I was doing the ironing at some late hour last night ...someone call 911 LOL...LOVE my old ironing board gotten from the thrift sale the other month for £5....brilliant...Best ironing board I've had all year )
AM

* Menu plan if not already done
* Food shop (well get coffee & squash)

PM

* Card make and write to sheena & TD
* Typing Tutor
* Read up on Eager learners
* Ironing

EVE

* Find a pattern for a tank top and start
* Mr M @ 8 or so for the bargains

Blessings

E

determined_new_ms

Hi erme thanks for starting us off! hi everyone to follow

Today:

• work hard get lots done
• brekkie & leftovers lunch from stores
• dinner at friend's - we're going to Zumba tonight :T
• take note of mileage today & update expenses
• check colleague put my overtime sheet in...
• check banking
• get powerdown plug & soapnuts (didn't get plug yest as I managed to make a NSD :j but today I'm going to Zumba so its not!)
• contact AA savings & ask about interest...
• chicken out of the freezer for dinner for oh, ds & students (risotto )
• collect parcel from sorting ofice on way to work
• post off dd's tweezers in recycled envelop (she has a brow emergency! Lol so I purchased some yesterday using boots points)

that's me, have a good day y'all x

kevstanley

I'm early this morning - thanks Erme, for starting us off!

Bit of a shock this morning, as our current account was overdrawn OH's salary has not been paid in (it should have been), but a couple of payments have come out and tipped us into the red - have moved a bit of money over to cover it, and have fingers firmly crossed that the salary appears later. Seeing that minus figure was not at all nice.

My list for today:

• checked banking
• check for/do surveys
• laundry drying outside
• do some banking in branch
• lunch on leftovers
• dinner from stores/menu
• keep an eye on the bank balance!
• clear a path through the house for new shed

I think that's about it for me today - hope everyone has a good day

shezam

Morning all,

My alarm went of at 615 today, start work at 8 and had to get bus at 715 so i'm feeling rather bright

Today I will/have

-Lunch from lastnights leftovers
-free tea/coffee/water at work
-check Groupon for Scotland & Manchester
-Check banking (bit worries about this, spend money last night at bowling and don't know how i'm going to last the rest of the month on the pennies in my bank)
-get loads of work done today and not skive on this website!
-smile lots and be happy
-go to Step class tonight
-Still need to hoover car!
-Get birthday card for my Dad!

Hope everyone has a tip top day! x

stitching_witch

Good morning everyone. Brilliant Grandma Day yesterday, back to "working woman" mode now. I'd prefer it the other way round - one day a fortnight at work and the rest of my time as "real life" but bills have to be paid etc.......


So far today:

• checked banking - WTC gone down
• checked for surveys
• fed and watered the chickens and asked for four eggs today
• made lunch to take to work
• scoured local paper for a different job

I will also:

• keep an eye on surveys throughout the day
• do 20 minute powerwalk at lunchtime
• lift to and from work
• free drinks at work
• use egg money to buy chicken food
• left overs for dinner
• spend some time in the sewing room tonight
• have an NSD

That'll do for today, have a good one!
stitchy x

ixia

morning everyone:

Today I will:

• check banking-transfer some money for DD's due off over weekend
• washing on quick wash and line dry
• check e-mails- do any surveys
• dry today so will try to get car and van hoovered
• dinner and lunches from stores

Hubby off next week and so am I so going to go away mon-fri need to get something booked today kids don't seem that fussed though.

Have a good day everyone.

josiebabie

Morning all,
Feeling a bit brighter today, although throat still sore. Netball did me a world of good yesterday!

So here is my list:
- Checked banking
- Brought lunch in from home (left overs from last night)
- Girl-friend coming over tonight, though we will be lifting turf not chilling in front of the TV! lol
- Charge mobile from work PC
- Invoice big job today
- Check for new bills
- Showered this morning
- Comfort eating :rotfl:

Jx

Nottoobadyet

Good morning, all!!

Thanks for starting us off, Erme. Good god woman, how many ironing boards do you go through??

Hope you get that salary sorted, kev.

Glad that you enjoyed your granny day, stitchy

Yesterday was looonnnnggg for me! I had to give 4 different blood samples, get a smear and get the last of my shots. Im a bit sore today! I did have a great evening though, first with friends from my volunteer gig who gave me a card and had some bubbly to send me off, then at a friends house for dinner. Om nom nom!

Today is pretty long too. Where to start:

• walk to work
• lunch with collegue, will try to keep it cheap
• eye test before lunch (work pays)
• sign contract (finally!!!) and call tax folk
• maybe even get tax forms sent in! Glory!
• work hard as loads on
• come home after work and tidy flat / make dinner for friend coming by
• check banking and update budgets
• ask for letter of invitation so I can get my visa sorted
• crochet in evening

Have a lovely day out in the sun, all!

Erme

Nottoobadyet wrote: »

Good morning, all!!

Thanks for starting us off, Erme. Good god woman, how many ironing boards do you go through??

Hope you get that salary sorted, kev.

Glad that you enjoyed your granny day, stitchy

Yesterday was looonnnnggg for me! I had to give 4 different blood samples, get a smear and get the last of my shots. Im a bit sore today! I did have a great evening though, first with friends from my volunteer gig who gave me a card and had some bubbly to send me off, then at a friends house for dinner. Om nom nom!

Today is pretty long too. Where to start:

• walk to work
• lunch with collegue, will try to keep it cheap
• eye test before lunch (work pays)
• sign contract (finally!!!) and call tax folk
• maybe even get tax forms sent in! Glory!
• work hard as loads on
• come home after work and tidy flat / make dinner for friend coming by
• check banking and update budgets
• ask for letter of invitation so I can get my visa sorted
• crochet in evening

Have a lovely day out in the sun, all!

I think (like everything last year) at least 3 ...mostly from charity shops etc...One paid full price.. ...I know it's shocking :eek: and I don't even iron that often. One iron (nope make that two :eek:) for ironing. The other is for crafts and bad stuff which I need a lighter iron for (was only about £3.50)...My main iron (the heavy one) was about £10 and works fine (Just a Mr JL basics range....does me fine )

So yeah inspired by Lucy's thread (seriously I must have been reading that thread for a good two hours this am from like 4-6am and am now paying for getting up so early.....Erme is a zombie and it's not yet 9am :roftl:) I'm going to have another bash at quitting the weed. Hoping to get strong patches and a little puffer cos I'm a really heavy smoker. Pray it goes well with smoking cessation worker @ 3.30pm...will keep you all posted...

the thing is I had a little time on the nasal spray (it's awful stuff but works) on my break in Inverness the other week - it was just for a few hours at a time but by the end of that I was craving nicotine and not cigs...so I know it can be done but like the last time I tried proper (on e-cig and spray) I had a nicotine overdose which ended in as much bother as if I'd not had enough nicotine so I don't want a repeat of that ...so yeah...D day will be Sabbath if I get the NRT....if not maybe soon...

Blessings

E

Pernicious

Morning all,

Yay it's Friday tomorrow! I'm holding out, just about :rotfl:

Today I have:-

• Cycled to work & told OH no he shouldn't use the car instead else we're not saving money...men! Will cycle home too
• Food from stores
• Heating off as long as possible - if it's like yesterday it won't be on at all!
• Make use of free coffee/water/milk at work - we also have free orange squash, soup & hot chocolate now

& I will...:-

• Dinner from meal plan - Failed...succumbed to the D word!
• [STRIKE]Check for surveys[/STRIKE]
• [STRIKE]Enter comps[/STRIKE]
• [STRIKE]Log calories on free app[/STRIKE]
• [STRIKE]Log expenditure on free app[/STRIKE] - aiming for a NSD though - Failed on the NSD thanks to the D word...:(
• [STRIKE]Charge phone at work[/STRIKE]
• [STRIKE]Check cashback site[/STRIKE]
• Possibly go for a run tonight, depends if others are up for it as 2 of my little group only got back from holiday late on Tue, if not then some housework definitely needs doing! - Don't think I'll get much housework done either as I am utterly shattered! Early night for me...

Hope everyone has a great, moneysaving day x

complimentschemistry

Morning all!

Today my hayfever is really playing up... tried to be healthy and take my dog for a walk (free exercise!) but I get affected by tree pollen so now I have itchy eyes Was going to have an NSD today but need to get hayfever tablets!

Today I will:

• Have a LSD - under £10
• Check online banking
• Look for cheaper car insurance quotes (not had renewal terms yet but still worth a look)
• Free tea/water at work
• Brought lunch and snacks from home
• Send chaser letters to creditors for outstanding balances
• Do more free exercise with walk @ lunch and to pub after work!

Hope you all have lovely days xx