Saturday 10/05/08 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 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/have:

• Check online banking done
• Clicks done
• storecupboard lunchdone
• Check veggies and water plants in greenhousedone
• Put netting up over my strawberries which are now all flowering:Ddone
• Try and not spend any money Not done, spent money at post office.
• Clean house right through ready for hols using stardrops and microfibre cloths and find places to put my pressies from yesterday.done
• Going to a barbie for tea, I am supplyng the wine (which I got for birthday) so no spends:Dwas lovely
• Start packing my case - not dfw but getting excited about hols now:jneed OH to go in loft
• Get DS3 to wash my car and hoover it as he owes me a favour.didn't get done.

Another lovely day here:D Have a great day everyone, and enjoy the weekend.
Jak - well done on yesterday's no spend day:T :T
Hi to all the regular posters:hello: :hello: :hello: and hi to any new posters:hello: :hello: :hello: Catch up with you all later, need to get stuck in with housework now:rolleyes: OH already has washer going so I am being glared at for being on here:rotfl: :rotfl:

andan

Morning all, hope everyone is having a lovely start to their Saturday. I was up nice and early for a Saturday, i love summer when its so much lighter. Hoping to have a fairly productive day, but still need to get stuck into my assignment!

Dfw things for today:
-Get cracking with the washing, on 30 degrees! and hang it all outside
-Use bus pass to get to doctors for my prescription
-Use train pass to get to nearby town
-Do a mystery shop for lunch
-Obviously work my butt off on my assignment
-Have looked for mystery shops and will do so during the day
-Sort out domain name and hosting thing for business
-Work on business cards and postcards
-Have already started doing some surveys and will do more during the day
-Do daily clicks
-Do some matched betting
-Pay off credit card bill
-Write letter to credit card company to cancel the credit card
-Make a storecupboard tea
-Look on website for advice re setting up my business
-Do boring house hold jobs
-Start listing things on ebay
-Work through emails
-Sort out finances and where some of them need to go
-Look on ebay for another beauty therapy tunic
-Update spreadsheets for challenges, get up to date with challenges.

Think thats it for me today, have a great day everyone.

sophiesmum_2

Another busy day for you Andan:D hope you manage to get everything done.

andan

Most of mine are little things but things that need doing, so shouldn't take too long, plus i wouldn't know what to do if i wasn't busy!

painted_lady

Hi everyone, mine are
- hopefully got free babysitter for tonight, going to a wedding evening do
- do some portrait shots of my little boy this afternoon, might use some of them as birthday presents if there any good. I have borrowed a studio background and flash from a friend, testing them out before I buy.
- write a letter to student loans and send them copy of P60, claim back a £56 payment from last year they took by accident
- not otherwise doing much, bit of cleaning up and so on
- phone insurance company to chase up a cheque for £27

Eternal_Optimist

:hello: Morning Everyone, hope a nice Saturday awaits us all...weather a bit dull here but hopefully it will brighten up as day goes on:hello:

Not a good start to morning for me_pale_ ....woken by same creditor I've been having trouble with for last couple of weeks who say they still haven't had updated DMP proposals from CCCs:mad: I'm now seriously thinking I would be best negotiating my own DMP ....at least then I would be sure creditors were getting info/payments without any drawn out hassle because I'd be the one doing the sending.

Anyway enough of that.....DFW stuff now;)

Checked online banking.....all looking as expected

Storecupboard/fridge/freezer meals today:A

Should have NSD as I've no need to go out:A

Lots of houseworky things to keep me busy at home though:rolleyes:

Will peg out washing on line shortly:A

Have a read of new thriller I've borrowed from a friend:rotfl:

Think that's about it really for today:j :T :j

andan

Eternal optimist, sorry to hear about your problem with creditors, hope you get something sorted out soon.

thriftymoo

hey all gorgeous day here out in the garden with my laptop!

*have checked online banking
*busy playing free bongo
*will do onepoll
*do piggy clicks
* work out a money plan of action lol!
*goin to driving range with dad which will be free because i'll get him tp pay!!

Eternal_Optimist

Thanks Andan:T

I'm sure it will be resolved eventually:rolleyes:
I just think I could possibly make a better job of it myself because I would have only my own debt situation to focus on whereas the CCCS has thousands of debtors to deal with which inevitably results in a great deal of management, bureacracy and red tape.:think: :wall:

TonyC

Trying to get debt is hard and sometimes it gets me down, but after reading the small things which people are doing today has given me renewed enthusiasm. So today I have / will:

* Hang washing outside, I have the washing machine going all day Saturday, so this will be a great saver (for today anyway)
* Chase my bank for letter to mirror bingo to say I never received the £30 they were transferring over a month ago.
* Finish my career roadmap for the next year, playing heavily on give me more money.
* take the kids to the park and try and tire them out before bedtime
* Not pay my vigrin media bill, as they are swapping billing systems and cannot accept payments!!!!

Hope you all have a good day in the sunshine.

OliveOyl_2

Afternoon all- only just!
Today:

• I have paid £700 cash into almost dormant account, (e-bay proceeds )which only half pays the OD.
• Cleaned the bathroom and kitchen OS, with micro fibre cloths and star drops.
• Claimed back £50+ in charges on CC:eek: incurred because they rejected a payment. (this is my cashback cc, cleared in full each month) Checked on-line & they Have done it
• Sheets are on the line.
• Saving the cost of a spray on tan, by doing the gardening in the sunshine. (I've never had a salon tan, does this count as a saving?)
• worked out the budget for the next 3 months in order to clear 2 0% cards which end in August.

Hope everyone is enjoying the sunshine