17.5.07 what small dfw thing will you do/have you done today?

hypno06

Hello lovely DFWers!!

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.

Examples could be charging your phone up at work instead of at home to save your electricity, hanging the 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:

Today I will:

- not be increasing my debt in any way
- send everyone off to school/work with packed lunches
- give a birthday present from the "present cupboard" rather than going out and buying something.
- go to the bank
- transfer money from paypal once my ebay buyer acknowledges safe receipt of a parcel
- doing a mystery shop and a couple of hours invigilating at school

Have a good day everyone x

GirlRacer_2

Good morning Hypno and all who follow:

Today I will/have
- checked online banking and updated spreadsheet
- paced lunch for all
- done piggy comps and clicks
- not increase my debt any further

Hope you all have a good day x

ms_london

Morning guys!! How are you doing in good old blighty?

I have spent a few $$ today on (ahem) non-essential items, but I also bought my lunch in with me and tonight I am going to a bar that gives ladies 2 free champagnes (and I found a voucher from the last time I was there too, so I can have 3, whoo!!) :beer: .

It was my last payday yesterday - :eek: !! Slightly scared about the prospect of having no income & whether my finances will stretch, but I am going to enjoy my last few weeks in Sydney & in HK, so b*ggar it!!

Have a good day everyone. Almost 5pm for me, whooooooooo!! xx

WifeofDJFLP

As well as all the usual stuff I will go to my "banking review" this morning and politely refuse the "further advance" on my mortgage they are likely to offer to "help" me pay off my debts.

WifeofDJFLP
xxx

scaredy_cat_2

morning all

today i am going to sort my budget so not just recording my spending

i also started my £2 coin savings (i have 2) and will join thread later i think

i also started a 'finders keepers' pot last week - gave it its offical title today! so will keep going with that too

GonnaBeDebtFree_2

Today I will be -

• Having a NSD.
• Having a packed lunch.
• Doing QuidCo and PigsBack clicks.

trulymadlydeeply_indebt!

Today I will doing the usual housey stuff plus:-
- 1 x Mystery Shop
- Chase RBS for Bank Charge £28 (BOO!)
- Chase A&L for £50 Bank Chgs (Double BOO!)
- Checking progress on Ebay items
- Lunch and dinner budgeted for so should be a NSD

Karmacat

Morning everyone! Some unexpected things today:

- am changing my gas and elec supplier, so I got an up to date reading from my previous one. I'm £82 in debt to them on the gas account, which was a bit of a surprise, so today I listed all sorts of ways I know/have heard of on here, to cut down - packing the freezer, hot water in a flask, that kind of thing. And I didn't automatically switch the gas fire on this morning, either.

- have posted on the internet access board here about taking up a cheap offer for broadband access from sky and keeping my virgin.net email address, which I need for work, its on my work website and my leaflets.

- will print out Eager Learner's click routine, which I asked for yesteday (thanks EL!), and start to use it, systematise that.

- use my affirmation (didn't put it up here yesterday

- phone the structural engineers (didn't do that yesterday, either, oops).

lynsayjane

good morning hypno et al

today I will
*have a nsd
*eat packed dinner and snacks at work
*use my free gym membership to shed a couple of pounds (of sweat :rotfl: )

thas all folks xxx

Karmacat

Don't usually reply to myself:rotfl: but got quite a surprise today about this item that I said I'd do:

Karmacat wrote: »

- phone the structural engineers.

This was so that when I get quotes for building work, I know what's safe and what needs to be done structurally. I got 3 rough quotes from local people over the internet, and have spoken to a couple this morning. The concensus seems to be, don't both paying someone like me, just ask your plumber/your builder (delete as appropriate). What nice people! And the fee would have been something like £400!

poorbutrich

Hello!
Today I have:
1. Stayed at my desk at lunchtime instead of going out.
2. Brought lunch to work
3. Sent out two Amazon parcels.
and 4. will stay in with a book tonight instead of going for a drink (or eight) with colleagues...