Friday 22/02/2008 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 have

• Checked online banking
• Done clicks
• Lunch from storecupboard
• No tea needed as being taken out for a meal for friend's birthday tonight
• Shared cost of friend's gift with two other friend's:D
• Will be sharing taxi tonight too:D
• Found some still tagged clothes in wardrobe to wear tonight instead of buying new outfit;)

Think that's all for today. Hope you all have a good day at home or at work:D
Hi to any new posters:hello: :hello:

doodledo_2

Morning Sophiesmum.

Today I will:

- do my daily clicks
- have a NSD
- check online banking and update my spreadsheet
- put some more bits on Ebay

taplady

morning sophie'smum

today i will

• have checked online banking
• write a shopping list before going to the shops
• meal plan
• hang washing on airer
• make my own bread
• be treated to lunch out by my sister!

payingfornowt

Today I will

1, Check online banking.
2, Eat lunch from work subsidy only.
3, Go to mum's for tea.
4, Coach kids at cricket to get my subs paid by the club.
5, Drive on m'way at 55mph.

free4440273

Morning all:hello: Today, I shall spend zilch:D

claireabelle_2

Morning all, happy friday!
Today I have brought in my lunch from home, and sold an accountancy book on amazon... should be NSD apart from the finger of fudge i bought my colleague for her birthday, 15p from the fiver I found on the floor this week so still technically a NSD?!

splishsplash

Morning everyone!
Friday, woohoo!

Today I will:

• [STRIKE]
• finish cleaning the car (thought I did a great job last night, but it still looks rubbish in daylight:o )[/STRIKE] Yes, best I could...
• [STRIKE]get the washing dry indoors[/STRIKE] Better again, today turned out to be lovely, so they went out on the line
• storecupboard meals No - we had a funeral to go to this evening, so we're only home now, and pizzas are heating in the oven...
• [STRIKE]update spending diary and accounts, see what my bottom line is for the car, and then what my absolute bottom line is...[/STRIKE]Yes, but I don't think my bottom bottom line will be enough :think:
• do a top-up shop in Lidl's tonight after test-run No - had to get back for the funeral
• [STRIKE]get work travel forms filled in and ready to send for next week[/STRIKE] Yes
• clear housework tonight to free me for summer project work at weekend Just about to start into it now...

That's it, hope everyone has a great day!

I hope you had a great birthday bash with your friends, Sophiesmum!

andan

Morning everyone, hoping for a busy day today to make the most of my last day of half term! My things for today are:

-Finally place that matched bet so that i've met the wage requirements and can have my money back
-Do any surveys in inbox
-With exception to my driving lesson, stay in all day so that i have a no spend day.
-Check on line banking
Update any challenge totals
-Do my daily clicks
-Check how many club card points ive got to see what deal i can get soon
-Try and find another voluntary placement in relation to counseling, thus increasing my chances of getting on the course, thus leading to a better salary.
-Have listed a load of vouchers on ebay from surveys
-Will relist some stuff on ebay.

Have a good day everyone.

falady

hi everyone,

Well after setting myself a big list the other day, which I actually did very little of (:o i was full of cold....excuses, escuses...), I have been very productive today - yay!

I have:

- swapped the home insurance from barclays to admiral, saving approx £15 per month :money:

- phoned to cancel my virgin card and been offered a 1.9% intrest rate with 1.5 % transfer fee - cheaper than the 6.9% LOB rate i was paying at barlcaycard. I have transfered the balance to virgin :T

- got my temp clubcard points transferred to my new 'proper' clubcard

- sticking to my menu plan for the day, eating from fridge / freezer / cupboard stock.

I also seemed to have successfully persuaded OH that
a) he needs to budget, and
b) we need to budget properly to pay off our joint acc overdraft instead of just throwing wedding present money at it later in the year. :eek:

I've also started sowing the seeds of 'lets not spend much more on food this month' (it is the beginning of our joint budget month) with OH. I think if i can plan the menus it will be ok and we'll just need milk and poss some fruit and veg. I'm goin to be strict!

I'm due to pick the cat up from the vet later so think the bill there will be a bit hefty (chest xray and dental) but we'll be able to claim most of it back from the pet insurance provider.

Have a good day everyone!

Ali x

luxor4t

Today:
- chose 'cash free' Mothers Day gifts from Boots using Pigsback vouchers, got a gift with purchase + 601 points using ACM vouchers too
- bought 2 skirts & a top from Bon Marche reduced rail instead of spending mega bucks in M&S
- found 1p (99p this month now)
- had lunch at home instead of staying in town
- £60 in Boots vouchers + £20 in Arcadia vouchers arrived from Pigsback (good timing!) from hotel & train bookings + comp win
- shall shop from list tonight at Mr T's

juno

* Written to the bank to ask why they've charged interest when they said they wouldn't
* No spend day
* I think that's it