Friday 20/06/08 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:

• Clicks
• Check online banking
• Update spreadsheets
• Storecupboard meals
• Cook for oldies tonight and eat for free:D
• Potter about veggie garden
• Meal plan for next few days
• Try and have no spend day. spent 90p yesterday on reduced fruit and veg.

Woo Hoo it's Friday:j :j Roll on the weekend:D
Hi to all the regular posters and welcome to any newbies:D Hope you all have a good day.

Indebt1984

Morning All,
Just about to have breakfast before i start with my list of things to do.

* List on ebay this morning
* check the on line bank - which i have and i been pay wooo hooo
* sort out what need paying today
* dinner in the freeze
* washing machine on and while line dry clothes
* No to spend anything today

Might go for a walk along the beach today to get out the house. Few little jobs at home to do so it busy busy busy.

Bye for now

claireabelle_2

Morning all! Friday, woohoo :j
Today I have

• checked internet banking
• checked for mystery shops
• brought in luncheon voucher to have a KFC friday treat! don't expect any work from me after

And I will

• update my spreadsheet
• check pigsback

Tomorrow is big declutter/freecycle/eBay day :eek: so am almost enjoying being at work!

Have a good one!
Claire

crawley_girl

Morning people and those that follow.

Am in a moany mood, feeling tired, big suitcases under my eyes, weather looks pony and I should be going on a picnic with work. Rant over!

Today I:
* will not buy nor smoke any cigarettes (3.5 weeks clean!)
* will use the magical bus pass
* will eat lunch at work for free
* have posted a birthday card off for my dad. Card already in my box of cards and 2nd class stamp wanged on the envelope
* will have an early night tomorrow and not go out
* will check online banking
* aim for a NSD

:heartpuls CG :heartpuls

juno

* Phoned the SLC to see where my grant is. They told me I owe them money and tried to get me to pay it back over the phone. I don't think I owe em any, so I told them that I wasn't making a payment, and asked them to send proof I owe anything. The woman sounded quite surprised that I wouldn't pay something I didn't know anything about, as the computer said I owed it!
* Realised I've forgotten internet banking password for one account, so requested new one
* Checked all other internet banking and cancelled some direct debits
* Bought TV licence
* Sent old phone to Envirophone to get money. Will only be £5, as phone is so old, but is better than nothing. Also hoping for Quidco.
* Checked HSBC overdraft T&C's, as they've sent me new ones. Think interest rate is still the same.
* Booked train tickets using Virgin site, as they don't charge for fast ticket. Also used railcard
* Phoned up about some stuff I ordered off the internet and I got the wrong item. Will be getting a refund Only £1.99, but woo
* Bought 6 Enegizer batteries for 93p, but were also on 3for2, so 18 batteries for less than £2!
* Bought new box for jewellery storage. This is moneysaving, as got it from poundland and thus was £1. Also came with free "picture hanging kit".

andan

Afternoon everyone, hope everyone is having a good day and more importantly, looking forward to the weekend. Got over the sickness so was back at work but have come down with a bad headache so may be limited to what i can do.

Claireabelle, sounds like your in for a busy weekend, trying braking it into smaller chuncks so it seems less daunting.

-Have checked for mystery shops and will check for more later
-After acosting the parcelforce guy yesterday, he still hasn't brought my parcel, am going to email them in a minuted with a nasty complaint, i have been waiting on this parcel for over a month.
-Need to finish off and send this application form
-Must post train tickets off
-Will work through emails
-Do any surveys i may have received
-Look for another job
-Have phoned up about one job
-Have phoned up to try and sort out going in to do some work at the place that wants me to come for an interview.
-Sort out when i next need to be at college
-look at jobs ive applied for and which jobs i need to apply for and what i'm going to do about them
-Work on gift vouchers
-Work on leaflets
-Go on site for business advice
-look at what is left to sort out for new business
-Check out stuff for sale on ebay
-Apply for more mystery shopping/auditing places
-Check online banking
-Do some more matched betting
-Pay credit card bill off
-Speak to partner about paying money for bills
-Cook tea from storecupboard
-Email person for an application pack
-Have phoned and confirmed attendence for counselling course interview for next fri
-Need to start on the presentation i have to do for it.
-Get up to date with challenges
-Sort out audits for tomorrow.

Am going to be having a glass of my free wine tonigh:j. Have a great weekend everyone:D

Cleosmum

Today I have:

• Checked net banking - really close to the line, but will be back to normal on monday phew! Really annoyed as I have been waiting since the 1st for someone to cough up, the joys of self employed I guess?!
• Checked mystery shops - none but found one sent payment by bacs yesterday so will be £21 better off next week.
• Breakfast, lunch and dinner from stores
• Gave someone a lift and got paid a fiver
• Went to tesco for a few bits and found the reduced section and spent money on things to put away for xmas and birthdays. On the plus side I used lots of extra points vouchers and a £3 off £30 spend :T and remembered to buy reduced meat.
• Grocery totals: Asda: £8.56 Aldi: £4.53 Tesco: £14.12 :T
• Worked out that DS birthday presents should have cost me £32 but I got them for £6.75 :j One of the bargains was found mentioned here on MSE
• Bought bargain Better By Nature dog food in Tesco - £1.77 a box, instead of £3.59 a box
• Washed up by hand, saving electric
• Got out some stuff to ebay
• Walked to and from school this morning and this afternoon, saving petrol
• Done PB CT and comps
• Left my bag at home when picking the kids up, and took 20p for each of them to spend on the way home (much better than the 50p they keep wangling out of me!)
• Sent back free trial game and dvd

I think thats it! Have to go out later and will walk there and back also (not sure I can feel my legs, but its good for me). Home via Asda for a pack of paper - forgot it oops.

Oh also forgot that I have updated my £10 a day challenge and grocery challenge - wondering if I can now manage to come in on budget for the grocery one and I know there is something I have missed, might remember later! Ah yes, cheap train tickets arrived today :j

cassey1

Evening everyone,hope you are all looking forward to the weekend.
Today i have /will

_NSD
-took lunch and snacks into work.
-checked on line banking.
-transfered money from saving account to current account ready to pay holiday tomorrow.
-Tea from store cupboard,etc.
-put tesco extra points coupons in purse.
-do comps and surveys.
-Got home from work,DH has done one load of washing on quick wash and it is drying in the garden with sun parasol over it to stop clothes getting wet from the rain.!!! Bless,he desnt do the washing often.

Have a great evening everyone,going to have a glass of wine now,i will have one for you all.x

Cleosmum

Brilliant idea Casseys OH, well done!

got-it-spend-it

Not a very DFW day for me as I went shopping and treated myself to a few bits and pieces! However I haven't been too bad-

• Checked online banking and paid CC
• Walked into town rather than driving thus saving on petrol and parking
• Done Pigsback clicks
• Bought three local papers as they each came with two free chocolate eggs and a bag of sugar- not bad for 38p!
• Made lasagne from store cupboard ingredients and made two extra portions for freezer.
• Checked for MS but still none- argh!!!
• Listed a couple of eBay items.

I think that's it for today. Have a luvverly weekend fellow DFWs.

GISI

xtessx

Evening everyone, crawley_girl - well done on 3.5 no smoking weeks!!

Not been on here for a few days, been working so hard and feeling a bit down. Anyway, back on track today.

Walked to work (what a long week!)
No packed lunch, my turn to buy cakes :mad:
Walked home
Collected some flat pack boxes for moving
Rang up and booked appointment to view house tomorrow
Washed on 30 and dried on airer
Rang mortgage company to sort out payments before redemption
Did housework, cooked tea from store.

Thats it today

Tess xx