Thursday 28 July 2011 - What Small Things will you do today……?

determined_new_ms

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. :money:

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 guys :wave: its nerve wracking starting the thread at this time - constantly checking no-one else has started us off!

Back to work today and I am procrastinating rather than getting ready! so today:

• brekkie, lunch & dinner from stores (toad in the hole mmmmm)
• check banking & transfered funds into isa
• dig out paperwork & check out how much interest I got on our savings acc in June & then transfer this to my isa
• post blinking magpie parcel!
• ring ex-mil & maybe visit her after work
• pick up dd on way home for dinner
• go for a run

ok that'll do me! Have a lovely day x

josiebabie

Thanks for starting us off determined! Sat outside DD's nursery as early...and time is money!
Here is my list:-
- Checked banking, ok!
- Remind DB3 about remaining £110 of rent
- Sell a purge
- Work diary a bitbusier but not much
- Netball tonight, closer to home, will take own water
- Lunch/snacks from stores
- Ask ex for insurance certificate in prep for tax next month (and gently remind him about monies)
- Sparkle!

Jx

ixia

Morning everyone

DNMS- thanks for starting us off

Today I will:

• check banking/e-mails/surveys
• dinner and luch from stores
• washing on quick wash- been raining here but hopefully it will clear up and I can get it out to dry.
• Tidy out cupboards in bedroom- be ruthless and get rid of stuff
• sort and shred some paperwork

Have a good day everyone

cuttingbackisitfun?

Morning everyone,

Well annual leave for me today so unusual earlypost for me normally no time in the morning!!!!

* lunch and tea from stores;
* out for lunch but this was paid for in cash a few months ago so no spend there
* weekly food shop
* budget finalised as its payday (done)
* change bed
* a load of washing
* buy monthly travel pass

And, maybe relax at some point hey - have a good day guys x

Candy0107

Morning all,

WW – sorry to hear your news yesterday
Welcome to all newbies and hi to all the regular’s

Thanks fo starting us off today Determined – your holiday sounded fab

Today I have/will
• Will have a LSD – payday, so treating myself to breakfast at work (subsidised)
• Rail pass ran out yesterday, so had to buy a ticket
• Do any surveys in my mailbox
• Look for MS jobs
• Lunch and dinner from stores (unless my boss buys lunch)
• Checked my online banking – payday so moved cash
• Worked on my budget for the month – not pretty, but should be OK
• Check Quidco
• Use my inhaler and take medicine to help with breathing/reduce coughing!
• Charging phone at work
• Think positive today
• Read newspaper online
• Read the freebie paper on the train
• Need to check out the freebies and the competition boards
• Enter comps online
• Drink plenty of water
• Take meds and vits to control hormones
• Update food diary (online and paper copy)
• Check mobile useage

Will see what happens....

Take care everyone
Candy xxx

Tebheag

Good Morning All

Today check bank
Make pack lunch to take to park and plenty of drinks
Make dinner from the stores
Check survey sites
Do some washing and line dry as looks like a really nice day
Thats it as got kids today and only had 5 hours sleep prob less as was awake about thirty mins in the middle of that unhappy DH today thanks to ds waking us up !
Hope you all have a lovely day x

stitching_witch

Morning all. It's a beautiful day here today so I'll be dragging the motorbike out of the garage and trying to remember to head to work instead of the open road :(


So far I have:

• had filling breakfast of HM bread with the thinnest spread of HM jam
• fed and watered the chickens and asked for 4 eggs today
• checked banking
• checked for surveys
• made lunch and snacks to take to work

I will also:

• ride bike to work as it uses a fraction of the petrol of the car I've borrowed
• charge mobile at work with the boss' blessing
• keep an eye on surveys throughout the day
• use work phone to call S*nt*nder (see below)
• not an NSD as I *have* to buy some plants to cheer up the front door - new customer coming on Saturday :eek:
• use up last of the rubber chicken for dinner tonight
• start next corset order this evening

I've managed to forget my business account PIN and the internet log-in details. I suppose it's because, at the moment, I use that account very rarely. I'll need to get it all re-sent to me. When I'm earning my millions I'll know them off by heart but that seems a long way away at the moment......

Have a good day folks,
stitchy x

Nottoobadyet

Thanks for starting us, DNMS! so good to have you back

Glad to hear that your health isnt keeping you down, Candy.

Still busy on my consultancy today, so similar list as previous days:

- be all smart and consultantish so I get invited back
- lunch on expenses
- check banking - no July paycheck yet....
- check in online for flight tomorrow
- not sure about tea yet, either going to suggest taking out my hosts or cooking for them at home

I just found out that my former roommate from Israel is getting married in November. I hadn't planned on taking holiday at that time this year, but I might need to start budgeting for a trip! Happy times.

WelshWoofer

Morning all!
Another nice day here up north so trying to think of things to do outside.


Today's little list ....

• Find passport and other important docs and put them somewhere safe - just reminded me!
• All food from stores - plans have changed after my bargain shopping spree
• Take dog to the park for a good run around done
• Tidy up front garden done
• Phone painter to come to have a look at what needs doing and give me a quote
• Phone mum using free landline done
• Finish shopping list done
• Put dry washing away done
• Tidy conservatory and start throwing away old school paperwork done, took 3 hours! Have also listed some educational books on ebay that are no longer needed
• Think about how to reduce energy bills for the winter hmmmm, its all on the news today too!
• Stick to diet OK so far
• Try to sort out small tax rebate (about £200 but it all helps!)

That's it for now - hope everyone has a good day.

Amara

Hello! I will:
-go to my three customers
-phone about my car
-possibly see my two friends.
See you soon!

OrangeFairy

Morning all!!

Enjoying a day at home! today - with the exception of taking the kids to swimming club!

Finished Happy Potter - the order of the phoenix last night ! The biggest of the 7 books! Just two more to go. Made a start on No 6 this morning!

Today for me

• Lunch from stores - omelette for me and crackers for the kids
• Clean the kitchen - wash the floor well as DD2 spilt milk everywhere this morning :mad:
• Dinner - Quorn burgers and chips. Not completely from stores as OH needs to get rolls and potatoes to make chips
• Get OH to look through his bank statement to see what he has spent on food
• Look on ebay for whether some of our CD singles will go for any money. I expect 90% of them will be binned.
• Wash kids hair at swimming
• Start sorting out DD2's room! Take everything out onto the landing and sort it all back in!!
• NSD today. Will entertain the kids setting them up with craft activities and watching a film.

Got an email to say they have accepted all of my CD's at Music magpie and are sending me a cheque for £41.24. I wasnt sure what to use it for but then thought it may be good to use for summer hols activities.

I hope everyone is well

Stitchy - i hope you made it into work- though i would imagine going on the open road would be a lot more fun!!