19.7.07 what small dfw thing will you do or have you done today?

hypno06

Hello lovely DFWers - old timers and newbies.

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 do the following:

- send everyone with pack ups
- try for a nsd - still not been successful so far this week!
- do storecupboard dinner -
- do clicks and surveys
- not increase my debt in any way
- do online banking and update spreadsheet
- be positive
- send kids to school with home made cards and cakes for teachers

Hope everyone has a good day xx

Mum_on_a_mission_2

1. Do last Mystery shop on the phones project.
2. Take back two items to Debenhams/ M & S that on balance we do not need and get my money back.
3. Do my expenses claims.
4. Post Amzon parcels.
5. Turbolist some more stuff for Ebay.
6. Another 30 mins declutterring of my office.

enough for today

Moam

OliveOyl_2

I checked all the APRs on our debts yesterday :eek: :eek: :eek: :eek: :eek:
Today I'm am going to switch one that had got in under the wire, can't believe that we thought it LOB 2.9% and it is 15.25% and has been for more than a year.:shocked: _pale_
Martin has a name for me: Tart Failure

Karmacat

Hi hypno, hi all. Today:
- am doing my finance practice as agreed - but is v dodgy at the mo, am checking out other ways of doing the same thing.
- checked today that the money came out of a savings account so I can pay the taxman (supposed to do that yesterday, ah well).
- what I *did* do yesterday is break the drought on surveys, so I'll keep doing any that turn up.
- will do some top up shopping this afternoon so I don't need to do any over the weekend/pay for a delivery - unusually for me, I'll be in the region of cheap shops/our market, I'm off to give blood :eek:
- I signed on for mfw yesterday! I know thats not today but since my mortgage debt is the cheapest to pay off, thats what I'll do.
- if I'm up to it, I'll be closing a credit card with a 70p credit balance on, so I can open up one of the freebies that Martin was talking about in his latest email.

Think thats all for now. Have a good day folks!

x_raphael_xx

Lots of working today, left car at home.
Took home made lunch into work.
Off to Granmas for dinner tonight so don't have to use my food!

Gemmzie

Today I will be...
* Paying in a £30 cheque from my health insurance
* Counting my £2 coins to take it off the balance of the 1st car debt
* Clicks and surveys up to date
* Updated online banking
* Looked into changing my ISA
* Getting mum to fill in my DSA form

HairyHandofDartmoor

Sent the kids to school with lunch boxes, checked my online banking, updated spread sheets. Can't think of anything else!

painted_lady

Well, I am rediscovering my lightbulb, so bear with me,
Today I,

• Took my baby son swimming, cost £1.45 for both of us, half price on my council access pass
• update SOA accounting for my reduced maternity pay
• I refrained from looking around town after swimming buying things I dont need
• I even didnt buy tinned and ready meals for camping this weekend, instead, I am going to make some at home and pout them in tupperware to warm through
• My CC bills arrived, going to pay them instantly, otherwise I end up forgetting and paying late
• Buy a text bundle for my phone, works out much cheaper
• Counting my change time, its full.

Hopefully baby will stay sleeping while I do the above

Storm

Hi all,

Today I have/will:

- charged mobile at work
- brought lunch with me
- checked online banking & re-worked budget for end of the month (due to getting lots of invites to things)
- storecupboard dinner
- offered to drive friends tonight so no taxi fares & they'll buy me drinks
- got some quotes in prep for car insurance renewal in September
- speak nicely to my flatmate to see if he'll pay in my £2 coins for me tomorrow as he finishes work early and can get to the bank

CrustyMcMuffin

Just a wee money saving thing today, sold my house for a ridiculous amount over the asking price!

Bye bye debts, hello savings account!!

Sailorgirl

Realised by PAYG phone was costing me a fortune, so have research going on monthly contract in huge detail that I'd never considered BM (before Martin). Plus got £100 credit. And won't need to use my landline for evening/ weekend calls.

Worked from home today, so avoided the temptation of donuts, lattes etc. Slowly weaning myself off lattes onto tea but haven't made it yet!

Done my clicks as well.

Hurrah, what a great day!