Friday 18/04/08 What small dfw things 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
• Clicks
• storecupboard lunch
• Cook tea for oldies and eat for free
• Batch cook some meals for freezer
• Start a new batch of kefir
• make a loaf in breadmaker

Hope you all have a good day:D
Hi to any new posters:D

payingfornowt

Good luck everybody!

- NSD (maybe a pack of chewing gum, I've got dragon breath)
- Check Internet Banking
- Works Lunch
- Tea from Freezer
- Finish off bottle of wine & early night.

It's Saturday tomorrow.... yay!

taplady

Morning sophiesmum and all who follow!

today I have / will

• checked online banking
• do some home baking
• hung washing on the line
• walk into town
• eat from cupboards

have a lovely day all!

claireabelle_2

Hello everyone!!
Today I have

• checked internet banking and changed my virgin card direct debit - they have moved the minimum payment date forward to 3rd May and my payment wouldn't have cleared in time, good job I checked the bill :mad:
• brought in lunch and drinks - no spend day here
• will have dinner from pasta made last night, homemade cherry tomato and chilli sauce by OH's fair hand :A he forgot that we had bean stew to eat :rolleyes: but it saves cooking tonight!

Will check for mystery shops, piggy clicks too
Claire

andan

Morning everyone, woke up nice and early today, typical when your on hols! Have a nice relaxed day planned though with exception to two mystery shops but their fairly nice and easy.

My dfw things for today are:-
-Do two mystery shops - DONE, IN RECORD TIME!
-Have looked for more mystery shops, none as yet but more may crop up during the day - DONE, BUT SADLY NO NEW ONES FOR ME.
-Check out free things to do in London, going there tomorrow for a girly day out, but don't want to spend too much. - DONE AND LOOKING FORWARD TO IT.
-Write up mystery shop reports - DONE
-Look round charity shops for any books to sell on amazon and try and avoid buying anything for me unless its necessery for new business. - DONE, NO GOOD BOOKS FOUND, BUT MANAGED NOT TO BUY TOO MUCH!
-Do some O.U studying, falling behind again! -DONE
-Do some studying for massage course - STARTED TO DO
-Fill in application for job i've seen - STARTED TO DO
-Look for some more jobs to apply for - DONE
-Check online banking - DONE
-Try and make a store cupboard meal for tea - DONE
-Look on volunteering website for another placement which will benefit me on trying to get on counselling course - DONE
-Email women from local college, re counselling course
-Sort out a load more paper work
-Send off letter for new job and other lette
-Pay cheques in bank - DONE
-Keep heating off for as long as possible - DONE
-Do any surveys i may receive - DONE
-Sort through emails - DONE
-Sort out finances
-Do my daily clicks
-Keep up to date with all my challenges - DONE

And at some point this evening, sit down with a nice glass of wine! Have a good and productive day everyone

falady

morning everyone,

Today I have / will:

• do pigsback clicks
• get OH to do pigsback clicks
• have a night in (Sopranos finale lined up on DVD - woo hoo!)
• bring my lunch into work (but forgot cokes and would fall asleep without, so have to buy a couple :eek: )
• do the washing and put on the airer
• possibly clean the bathroom. If not today, then over the weekend.
• amend my monthly shopping tescos online order to minimise trips for just one thing (that ends up being a carrier bag full)

Have a good day everyone - thank god its nearly the weekend!

Ali xx

wannabesaver_3

Hi everyone, I am new to this, so please bear with me, I have been lurking for the past week or so reading all of your posts though.

I have had a "lightbulb moment" as you call it, and wanted to share some of the small things I have done to curb my spending and help pay of my debts:-

- Cancelled 2 magazine subscriptions (quite an acheivement for me!)
- Counted up my penny jar and banked £9.00.
- Opened an ISA (with Passbook so cannot withdraw without actually treking into town!)
- Looked into Mystery Shoppers.
- Sending off 2 old mobile phones for £50.00.
-

wannabesaver_3

Sorry about abrupt end to post - computer has mind of it's own!

TurnaroundSue

Hi All - Today I have/will:

- Online banking - done
- Pigsback clicks - done
- Not turned on heating - done
- Go to Post Office by feet - not car - to do
- Contact Bank re mortgage - to do
- Bank cheque in Post Office - £12.50 to go to account - to do
- Have a NSD, as day off work, DD going to friends and DS going out (both on inset day:mad:

That's about it for today - or yes, already have made tea for tonight, so no takeaways for us today

Have a good one!

klane

Morning' everyone... hello to new poster too!! Thanks again sophiesmum (and those who post this thread up if sm hasn't - it's now part of my morning routine and keeps me focused all day on being a DFW... thanks for the added motivation!)

Oo I have done something good today already.
- I got my new 0% credit card in the post last night - 10 months on both transfers and purchases, so first thing this morning, I called up and activated it, and at the same time, BT'd across my two outstanding credit cards. And I registered for online banking with it too, as I find that's the easiest way to keep an eye on things and pay off a little extra when I can. :T
- I will call Co-op later and cancel the old card with them & send a letter to confirm it. Then I am going to CUT IT UP hurrah.:cool:
- Checked online banking this morning, my expenses haven't cleared yet but my last credit card payment did in time for no late charge
[STRIKE] - Checked mystery shopping sites, but nothing yet. Will look again later.[/STRIKE]
[STRIKE] - Will file a MS report later on from previous job[/STRIKE]
- Drinking free coffee at work instead of buying posh one despite having sizeable hangover from last night's festivities / lack of sleep (a brilliant 2 things in 1 night, both fun - a free drinks party thing and a free work dinner - total cost to me: £6 to get back into work this morning where my car is - AWESOME). :beer:
- Have parents coming to visit tonight/tomorrow to help us lay a patio in our garden meaning no outlay on a professional, plus we bought it from a discount place near them, saving 50% (£140!) off the cost of a similiar one where we live. Delivery from my folks for £15 petrol.
- Need to do our fortnightly grocery shop online today, so will look for good deals and special offers to save some £. [STRIKE]And a code on here so delivery will end up free.[/STRIKE]
- Will stay in tonight and cook for everyone instead of going out and drink wine we were given before as a gift.
- Probably going to give in and go out for lunch today with colleague, but I have at least planned for this. And I have to be able to survive the afternoon somehow...

This will make you laugh - I actually dreamt about my debts last night, and how much and in what order I wanted to pay things off etc. THAT is how much time I have spent on this site lately. :rotfl:

SmellyOldSock

Morning All

Today I'll/have

washing at 30, quick wash
line dry the above
baked a batch of scones for school cake stall
do housework - if I ever get off the computer!
check online banking - tax credits have gone up! but for how long?!?!?!?
ironing
heating is off
dinner is ready, from my stocks!

have a lovely day

best wishes
Charlotte