26.4.07 what small dfw/mse thing will you do/have you done today!

hypno06

Hello!

We all know that the big changes can make an instant difference to our finances, eg cutting up the credit cards and cancelling Sky or the gym membership.

But once we have done all the bigger stuff it is sometimes hard to realise that we are still doing DFW stuff each and every day! They may be small things but they are so important!

So, be proud of those small steps that you are taking today and let us all know what you are doing to help you become Debt Free

So today(and yesterday after I posted!) I have/will be:

- sending everyone to school and work with packed lunches
- have changed my mobile contract to a cashback one
- have changed my TV licence to monthly instead of annually
- have listed something new on ebay
- will re-list some stuff on amazon
- will have storecupboard lunch and dinner
- try for a NSD
- will do my banking

Have a good day everyone x

prophecy_grrl

Today I will be:
*posting ebay parcel I didn't get round to sending yesterday
*taking lunch to work
*updating Ebay total in sig, and Ebay Spreadsheet for April total
*putting my application for sponsorship in at work (if I paid for the course myself it would cost a small fortune)

Have a good day all x

hypno06

Good luck with the sponsorship application PG!

tigtag02

Good Luck PG.

Today we have:

• All taken a pack up
• DD2 will walk home from school
• I have (OMG dont laugh ) Created a few spreadsheets to budget/watch our spend for a whole MONTH!!
• Created another spreadsheet for meal planner and shopping list
• will do my weekly shop online to save all those unescessary spend (plus I have a £10 Asda voucher)
• Will do my banking (and balance to spreadsheet)
• Will wash on 30 degrees (where is that sign)
• Have a nsd (well maybe 30p on some pop )

tigtag

GirlRacer_2

Good morning everyone. Had a major DFW/MSE morning........

Well had a sleepless night last night, was paid yesterday and got a tough month ahead of me, thought I'd have to defrost the credit cards (something I really didn't want to do). Started to do some lateral thinking DFW way and thought of ways to cut back. I currently have 2 mortgage protection policies one with the Halifax for £61 per month (the old one) and the new one with HSBC for £11 per month. Wrote to the Halifax a few weeks ago giving them 30 days notice to cancel my policy, just telephoned them to confirm that they have received my letter and decided to try my luck and ask if it could be cancelled today (to avoid paying the last £61 on 1st May) and they said yes - RESULT.

So I'm £61 better off already. Have cancelled the DD before they change their mind

Hope everyone has a good day.

atypicalblonde

Morning to all above and all that follow,

Today I have/will:

* Posted on here for some advice about early settlement fee... grrrr
* Having a NSD

Not much, but every little helps!! Have a nice day everyone x

crawley_girl

Afternoon folks

Today I:
* have agreed to do a 2.5 hrs in 2nd job this afternoon to cover for mate
* will use bus to get there (taxi is appealing in this grotty weather but think DFW girl!)
* will send off info re: deferring payment of student loans
* will complete and post back (another!!!) CRB application for 2nd job on contracted hours
* have checked online banking and moved a bit of money around to necessary places!

That's all folks!

:heartpuls CG :heartpuls

Spendaholic_Chick

Today I have/will:

- been out for lunch with girls from work (they paid for me as I leave tomorrow)
- dried clothes on airer
- piggy clicks and comps
- quidco clicks
- making tea from cupboard/freezer (actually a friend is looking after DS after school so he'll get fed at her place!)

Lucy1982_2

Well from 6pm last night. I have managed to get a refund of £40 from Sky plus a £15 'good will' payment.

I've sold some stuff on email and made £16.68 in total.

I've taken packed lunch and had a NSD!

f85

Today I have:

• resisted the temptation of a Greggs lunch to stick to my budget
• washed my car myself instead of taking it to the car wash
• checked on-line banking and credit card account

This evening I'll be:

• using a voucher to pay for a night out

:T

F

Storm

Today I have:

- brought lunch to work with me
- bought the job paper to try and find a better paid job
- constantly checking my Ebay stuff that's finishing (not too good, only £5.80 so far & 4 not selling at all!)
- store cupboard dinner