Monday 12/05/08 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 lunch
• Roast dinner leftovers for tea
• Need to make a loaf in breadmaker
• Check and water everything in greenhouse/veggie plot
• Have a no spend day
• Sort out tickets.passports.insurance and spending money for holiday tomorrow. Not strictly moneysaving but would be costly if we forgot something;)
• Claim some lieu time from work for out of hours work I did yesterday evening. Don't get paid overtime so need to make sure I get the time off.

That's about all for today. will probably have a manic day sorting out my office and making sure everything is ready for my relief.:o
have a great day everyone, funny how Monday's don't seem so bad when the sun is shining:D

Hi to all the regular posters:hello: :hello: :hello: and to the newbies:D

Andan hope you have a better day today, if it is any consolation I have an assignment due 3 days after getting back from hols and don't intend to even look at it till I return as have a mental block about starting it:o

luxor4t

Today:
- quidco & pigsback clicks
- WM on at 30 degrees
- washing out on the line
- fridge full of leftovers to be whipped up into something for dinner
- 3 e-bay parcels to post
- couple more items to list on e-bay
- 2 pairs of trousers to take in (too big!)
- aiming for a NSD

Have a good one!

Cleosmum

Today I have:

• Checked banking
• Walked the kids to school rather than hop in the car (mental note to self - hayfever tabs before leaving the house, not after)
• Checked ebay sales
• Breakfast from stores
• Updated spreadsheet and sig, this thursday will see me go under the £9k :T
• Picked up a msytery shop for friday

And I will:

• Do a shopping list ready for thursday, will go via mysupermarket and be as focussed as when I first started this journey - I am slipping lately
• [strike]Do PB comps and CT[/strike] Done
• [STRIKE]Lunch and dinner from stores, no excuses as everything is in!![/STRIKE] Done
• [STRIKE]Other than bread I will manage a NSD (will leave purse at home when I take mother shopping!)[/STRIKE] Didnt even need the bread!!!
• [STRIKE]Will walk to school to pick kids up[/STRIKE]
• [STRIKE]Will go home via Aldi to buy a loaf of bread[/STRIKE] No need!
• Will sort out budget for this thursday and work out how much cash I need for the week as I am merrily handing my (debit) card over with little thought and its not good
• [STRIKE]Look at a large expense I have coming up in the next year and look at ways to save whilst still paying off debt I am going to need to save about £1000 by this time next year :eek: Hmmmm wonder if I can do that from free money.....sounds a bit like a challenge lol.[/STRIKE] Still trying to decide if its all doable
• [STRIKE]Wash 3 loads at 30 and line dry[/STRIKE] Done
• [STRIKE]Housework! Free exercise lol.[/STRIKE] Still need to do my room, always the one the kids trash first and done last :mad:
• [STRIKE]Send back 2 dvds from my free 90 day trial[/STRIKE] oops forgot!

If I think of owt else then I shall be back and I shall update at the end of the day

peb

Not that major, but after last weeks buying lunch and not having meal planned I have:-

1. Made up two boxes of salad for lunch (today and tomorrow)
2. (Yesterday) made chicken stock, took al hte extra meat off the chicken which I would normally throw away all so that I can make risotto tonight for 2/3 meals this week.

~Yorkshire_Belle~

Hello all

Sophiesmum - bet you can't wait to get away, hope you have a great time and a well deserved break
Cleosmum - well done on reaching the 9k milestone. :T
Shall we have a party on Thursday? We'd miss sophiesmum though!

luxor - well done on the trousers!

peb - every little really does help!

Today I have:

• done 2 loads of washing which are out on line
• got meals planned and no need to buy anything
• am trying to keep nose to grindstone with all my essential jobs ( so why am I on here.... !!)
• checked on line banking - £100 adrift which is very worrying - will quiz OH later
• walked DS3 to school instead of car
• have bread in BM and lined up snacks for starving hoards when they return from school

Hope you all enjoy your day

Lucy1982_2

Today I have been looking at car insurance.

And could save myself £10 a month and get £75 cashback!!! I just need to speak to my current provider!

But today I have done/will do:

- Packed lunch from home (done)
- Sort out car insurance quotes (done)
- Not spend anything
- Keep positive
- Not add to my debt in anyway
- Piggy clicks
- Take the A4 to and from work so saving, petrol and therefore money!

sophiesmum_2

Cleosmum - great news about getting sub £9000. That will give you a nice psychological boost:j

tiaramaker

Hi!
Do you mind if I post the big things I've done?

OK, I've spoken to CCCS - seems things not as dire as I thought!
Have applied for basic bank account - takes 7 days though.

And for me, the biggie - realised that although I have a scarey overdraft with my existing bank, that the money I pay into it is actually MY money, not theirs. Now getting my head round the fact that the o/d is another debt that I'm now taking steps to sort out.

Still to do - ring Estate Agents for their help/advice on getting £500 reservation fee I'd paid to new builders back - my buyer pulled out so they've un-reserved the house I was hoping for and fee supposedly non-refundable! AGH!

jak

Well done everyone. This thread is really positive and nice today!
Today I will have:
-done gardening jobs didn't feel well so went to bed- watered garden tho...
-done house work still lots to do
-checked internet banking- all good
-called our mp and made appointment to sort out dh visa- ultimately money saving as otherwise he'll have to have time off work, fly to NZ, pay for new visa, time off work=no pay.... Oh Godddddd....Hope it works out...V.stressed
-Made cit. advice appointment re: said visa
-Will take boots back to shop as the lining is ripped and they cost £60! Got them in Nov. but still..for £60 i'd expect more than 1 winter out of them!!! Will do tomorrow as went to bed for the afternoon...
Have a lovely day folks
J
X

PandaPants_2

Im trying not to spend ANYTHING and might put some jeans on ebay later, if i remember to take the photos before i go to work!

MinniMe_2

Hi all today I have/will
-posted parcel from ebay sale
-charge mobile in work hence saving lecky
-dinner from store
-upload 7 more items (as soon as buy betteries for my camera on the way home!)

Feeling a bit slow with things this week, had a cuple of big hitters and have gone into my overdraft though payday is thursday!!!! and can I just say - god bless turbo lister - i discovered it over the weekend!