Thursday 14/02/08 What small dfw thing have you done today???

sophiesmum_2

• 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
• Check online banking
• Deposit a cheque I have lying about:o
• Do clicks
• Cater for a Valentines Social for oldies so no tea needed for us tonight:D

Starting the thread early today as I am still wide awake yet . Hope everyone has a good day.:D

bellsbells

I will be baking my own bread
Doing daily clicks
Helping a friend fix their garage roof - in return she will be helping me paint the landing
Digging over a bed on the allotment

hypno06

I will be

• not spending money on a valentines card
• seeing a client after work tonight
• taking packed lunch to work

Have a good day everyone x

Triggles

Let's see. What have I done?
-got up early and packed my work lunch, so that I'm not tempted to pick up more expensive junky food when I stop for petrol on the way to work
-popped some instant coffee, sugar, and powdered creamer in my bag for work so that I don't spend extra money on coffee from canteen at work
-made some chicken stock from leftover chicken carcass from last night's dinner and put it in fridge, this evening will put it into two smaller containers and freeze (finished after midnight with this last night, so I'm counting this as today's task). The money I'm saving on these three things will come directly out of the grocery budget this month, and any money left goes onto extra
credit card payment.
-today I'll be working on my meal plans for the next 2 weeks and putting together the shopping list (I did the cupboard/freezer inventory, crossed off things that are already earmarked for this week's meal plans, and will use what is left on list towards this new meal plan)
DH & I decided that for Valentine's Day, we wanted a low key romantic evening - no cards, no gifts - just nice relaxed evening together, maybe watching a movie together. This not only saves us the money from the cards/gifts, but the money for the petrol and parking it would've cost us to go into town and get them.
Feeling pretty good about today's activities. The grocery things we have been working hard to do regularly, so each time we do them we're pleased we're still following through. It's amazing how quickly some of this stuff adds up! I got a pay rise at work with the backpay in my pay this month of almost £200. Last year, we would've said "oooh fun money!" and probably wasted it. This £200 goes straight to bills, as we are determined to get our credit cards paid off as soon as possible. Less "ra-ra" fun maybe, but certainly more satisfying in the long run!

little_miss_troubled

I won a £8.50 on the lottery - I will cashing that in

flutterbyuk25

I will not be sending (and probably receiving!) Valentine's cards!

I will post off all the stuff I's sold on Ebay/Play/Amazon this week and transferring the money to pay off my credit card and a bit to my savings.

x

splishsplash

Morning everyone,
Today I will:

• mealplanner meals Yes
• update spending diary Yes
• talk to vet about discontinuing dog's treatment - she doesn't appear to need it anymore (and it costs €50pm!)
• line dry washing No he was out on calls, will get him today or tomorrow
• take care of chores I forgot yesterday Yes

I think that's it - I already made out a list, but lost in on internet ether before I got to post it! I hope everyone has a great day. How great is this weather?!

WelshWoofer

Hi,
Today I will/have

• Bring lunch to work with me
• Eat something out of the cupboard for tea - pay day tomorrow with a biggish shop planned!
• Stay in with OH and save the cash we'd spend on a cr*ppy Valentine night out for soemthing better on the weekend
• Get pay slip a day early and plan next month's finances (only a 4 week month so it should be better than last month!)

Good luck to everyone else!

luxor4t

Today:
- taking lunch with me on train, taking a book to avoid buying a paper and shall use Tesco Extra tonight instead of restaurant
- shall scour station for loose change!
- washing out on line (DS has been reminded to bring it in!)
- tried to get latest special offer leaflet @ tesco but nearest branch deny having them!
- Pigsback is still messed up, but OH could finally claim his (last) voucher!

Lemon_Tree

I've got washing out on the line
i'm finishing off the mini journal i'm making for OH for valentines and our anniversary tomorrow, have to make some cards as well
picking up some g-pig shampoo from a freebayer
going to layer up instead of putting heating on
update my online banking

bobbadog

* Storecupboard lunch of leftover mash potato and frozen veg!
* Valentines meal paid for with M&S vouchers (free from a client)
* Put in expenses claim for £33 (straight off CC)