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Tuesday 22/04/08 What small dfw things have you done today???
sophiesmum_2
Posts: 4,965 Forumite
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:
Hi to any new posters:wave: :wave: and hi to all the regulars:hello: :hello:
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
- Sort paperwork and do some shredding
- New freezer being delivered today so can increase my batch cooking and baking:D

- Will spend 25p on number for bonus ball at work rather than buy a lottery ticket for tomorrow.
Hi to any new posters:wave: :wave: and hi to all the regulars:hello: :hello:
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Comments
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WM on and first load of washing out on the line.
Store cupboard meals planned
Going to do some mending :eek: later on and may then play with making a patchwork cushion cover. (Got carried away and bought some Cath Kidston fabric pieces on Ebay
)
Bedroom cupboard is full of junk again so shall be brave and deal with it(a tidy house = financial control :rolleyes:)I can cook and sew, make flowers grow.0 -
I have:
Checked banking - all ok and paypal transfer has cleared ultra fast.
Checked ebay - all ok, got some watchers on 2 of my 3 items.
And I will:
Do pigsback click and comps.
Pay a cheque into the bank (fingers crossed the postie has it!!).
Not much from me today, got a yucky queesy feeling and my joints are painful, think I might take it easy today.0 -
Hello everyone,
Hope you feel better soon Cleosmum
Things are ok my end, I suppose. Trying to keep my chin up and deal with some non-DFW issues lately which is proving difficult/depressing. At least trying to get more debt free is something else to focus on!
So today then:
- did a breakfast mystery shop, so free breakfast and got paid for it
- walked to MS, instead of paying for car parking near by
- about to do some STP listening in my lunch break
- checked online banking - c/c balance transfers and cheque I paid into current account still not gone through (annoying).
- checked for more MS shops, but nothing still
- [STRIKE]I should get into doing these daily clicks you all talk about, I get online most days - anyone fancy posting or PMing me some handy hints/tips to get started please? Out of interest, how much can you generate per day/month from this?[/STRIKE] have joined pigsback and done all the 5pt free clicks
- looked at writers:share but still not back up and running with open topics
- going to see a band play tonight = free entertainment (providing they're good :rotfl:)
Debt - Loan: £1150 C/C: £4763 @ 0%.0 -
Hello All
today I've/wil
3 lots of washing at 30
line drying all the above! Yipee sun has got his hat on!
stayed in town and played on beach with daughter - saving petrol
dinner from freezer
only bought Milk
Asda delivery tonight - hopefully late
On the down side car is leaking water so is back at the garage!!!:eek:
Hope you're ok Cleosmum
best wishes
CharlotteToughest form of moutain climbing is climbing out of a rutI WILL be debt free!I WILL be happy!red pen member 40 -
- I should get into doing these daily clicks you all talk about, I get online most days - anyone fancy posting or PMing me some handy hints/tips to get started please? Out of interest, how much can you generate per day/month from this?
http://forums.moneysavingexpert.com/showthread.html?t=852319 is a good thread for starters, read the first 2 posts. Then daily I type in "daily quizzes" into the forum search at the top, and it brings up the daillies that KLB kindly posts each day, and I enter the comps there. The daily quizzes are posted within the thread above, but saves trawling through pages to find them. I joined up in feb and have £7 worth of points and need £11.50 worth to redeem. I live in hope of a 2000 point win, not happened yet though....0 -
Thanks Klane and Charlotte, feeling much more with it now, going to go out for 5 mins and enjoy the sunshine (s'pose I should also collect the kids
) 0 -
Today has been particularly successful
- signed up for A&L Account via Quidco - £50 cashback. This will be our new joint account, the old one was c@@p online!
- Finally OH rang Sky (only asked 50+ times) - £15 monthly saving!!!!
- clicks
- transferred OD to 0% card and got 0% offer extended to Jan 08 - £59 fee - but £100 saved in fees!!
- made offer for coal bunker on Freecycle - hope we get it - will save £50+ and clear up yard which has coal bags all over it
All in all a good day!LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
(CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84
There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
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I have checked internet banking. Used the lib. for my net use. Changed my TV license from quarterly to monthly dd after discovering they were chaging me £1.20 extra for each payment!!!!! Evil swines!!!!Put washing on the line. Will buy flower pots from the 99p store.2022 Comp total (prizes + free spins): £494.81 #20 £12 a day Jan: £382.95/£372 #57 360 1p challenge: £17.70 £10 a day Feb: £571.09/£280 March: £311.96/£3100
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Afternoon all, hope everyone is having a lovely day. The sun is shining so its all looking good here!
Not many dfw things for me today either, glad your feeling better cleosmum.
Ny dfw things are:
-Must buy car insurance as it runs out today! Only use it to learn to drive in so is sitting in my driveway at the mo, so not as big a deal as it may sound.
-Bought day rider ticket so cheaper bus fare as have quite a few places to go to.
-Off to do some training tonight, all part of my big career plan.
-Off to meet up with a friend for tea, means i don't hang around doing endless shopping! Haven't seen my friend in ages so will be nice to catch up.
-Am currently using work's internet, however have technically finished work so figured i would check my emails.
-Have picked up a mystery shop and checked other mystery shopping sites.
-Will use young persons rail card to get cheaper rail ticket.
-will also go to Tesco to see if there are any items reduced.
-Got up to date with all my challenges.
Have a good evening everyone.:j Live on £4500, £2531/£4500:T 101 in 1001 (52/101):j:beer::j
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* Checked internet banking
* Overtime at work
* Used coupon when shopping and didn't buy anything not on my shopping listMurphy's No More Pies Club #209
Total debt [STRIKE]£4578.27[/STRIKE] £0.00 :j
100% paid off :j
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