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Sat/Sun 23rd/24th Feb: What small DFW-style things will you be doing today?
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# 1
allydowd
Old 23-02-2013, 6:57 AM
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Join Date: Jul 2008
Location: West Coast of Scotland
Posts: 1,723
Smile Sat/Sun 23rd/24th Feb: What small DFW-style things will you be doing today?

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, or staying debt free.

Examples could be 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
Credit Card ...........................................1,650
Original debt.........................................12,000

"
Everything works out well in the end; if all is not well, it's not the end."
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# 2
Bobarella
Old 23-02-2013, 7:23 AM
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Join Date: Nov 2005
Location: London
Posts: 401
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Good Morning

Off to work in a moment, but have checked my banking, alls well. Although am 77 short of the total I want to clear that credit card come monday. Some creative accounting needed. I know I wont need much in the way of food next week as we did a really good stock up on Monday this week, and have frozen lots of meat and veg. So maybe I could just use a bit of shopping budget to still make that payment? hummm...

OH will be taking our little boy to his swimming lesson this morning (already paid for) and then we'll be doing the library for tonight/tommorow nights DVD fest.

Have good weekends all.

Bob
Credit Card 1 = 2,999
Credit Card 2 =2,500
Total = 5,499
Emergency fund = 5
Things may be getting better...slowly...
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# 3
Candy0107
Old 23-02-2013, 7:33 AM
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Join Date: Mar 2007
Location: North Hampshire
Posts: 1,492
Talking

Morning folks

Thanks to ally for starting the thread

Not too much for me today as I must do college work today

So, on today's agenda:
  • Meals from stores
  • Check banking
  • Washing on low
  • Need to renew my rail pass for Monday
  • Need to renew my national rail discount card as I am off to London tomorrow
  • If I can find the statement, I may empty an old savings account - I think there is only about 6 in there but it all helps
  • Evening in with hubby watching bits on the box
  • Watching the rugby this afternoon

That's my lot

Take care all,
Candy xxx.
Debts at the start of my journey - about 23,000 lightbulb moment 01.03.2007 (1st payment to CCCS)...... Debt Free Date 25.06.2013 Coke Bottle Savings (NYC weekend away with S.I.L) 61.78 as at 01.03.2104
2 Sealed pot challenge 2013 target 600
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# 4
allydowd
Old 23-02-2013, 7:49 AM
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Location: West Coast of Scotland
Posts: 1,723
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What a day I had yesterday!

Our car is super-old>Took for MOT>Our lovely, trustworthy mechanic said the car was not worth repairing, it'd cost 1000 to get her through the MOT even if we sourced the parts ourselves cheap as chips and he gave us a discount on fitting>Did costings to see if we could do without a car. Absolutely can't, would cost 26 a day to get to and from work.>Bought a newer car.>Buried head in sand.

So today:

~Re-calculate finances for whole year and set new date for paying off debt.
~Sort out car insurance.
~Arrange funeral for old car.

Credit Card ...........................................1,650
Original debt.........................................12,000

"
Everything works out well in the end; if all is not well, it's not the end."

Last edited by allydowd; 23-02-2013 at 7:51 AM.
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# 5
skyvicky123
Old 23-02-2013, 7:53 AM
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Posts: 330
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Morning all, can I join in?

Off to visit the up market charity shops on the next town for a little sensible retail therapy. On the hunt for books for dd and work clothes for me.

Then to a friends for dinner (they are cooking) with wine bought on 3 for 10.

Have a lovely day x
Staring point of debt 23,343
12245 4/7/11
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# 6
little pink purse
Old 23-02-2013, 8:18 AM
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Join Date: Jul 2011
Posts: 717
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Good morning

thanks for starting us ally

sorry to hear about your car the joy

ive been sleep for over 12hrs lazy me lol

todays todo is
check banking
check meters
get hubby to replace wipers and sort bulb in the car as hes day off
get ready for work start ar 10am home sunday at 11am
all meals from stores

have a great day xxxx

lpp
N.S.D in July 3/10

42 k 2009 down to 18k 2014

get 18k of debt down to 12k before xmas 2014
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# 7
josiebabie
Old 23-02-2013, 9:10 AM
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Location: Wiltshire
Posts: 1,220
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Morning everyone

- Checked banking
- All food from stores apart from...
- ...meet DM in town for sneaky cafe visit! Will suggest she parks out of town and I drive in so one lot of parking charges
- Act on small Mr T's list
- Steaks and wraps out of the freezer for fajitas tonight
- Batch cook this afternoon
- Bake cakes/biscuits for snacks
- Read leccy meter
- Buy all my shampoo etc in B00ts with a Capital Bond, only buy what's needed and get the change put on gift card
- Change rabbit
- Start some sorting for a tip trip tomorrow
- General housework, washing and cleaning, though not a lot to do after last weekend's epic cleaning session!
- Discuss with DB3 what he wants from the kitchen for when he moves out and tip the unused stuff
- Declutter DD's bedroom! She's got so much "stuff"
- Evening in tonight probably watch a film with OH if he's no longer in a strop with me!

Jx
2014...it's on!
Debt at LBM (2010 when I split up with ex ) - 25200
Debt now I'm in control of my own money - 6458
Thanks your majesty!

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# 8
bt1
Old 23-02-2013, 9:46 AM
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Join Date: Feb 2012
Location: London
Posts: 421
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Morning :wave

Sorry to hear about the car ally, that sucks! At least you have a new one now

Had a chilled out night last night, stay in with bf and watch a film, got some cheap snacks for 1 (my first spend of the week! Can't believe I went that long!)

List for today:
  • Checked bank, panicked as account was minus 40, realised it was my CC direct debit and I had forgot to transfer the money in from savings
  • Transferred money in from savings!!
  • Updated app
  • Bf wants bacon sandwiches for breakfast- so he can pay for that done
  • Need to go to post office and pick up bfs post he had delivered done
  • Pop into bank to pay in 4 of pennies! Transfer to savings done
  • 4 left in my weekly spend, we are having another film night tonight so can get a few more snacks
  • Finish washing tonight

Last edited by bt1; 23-02-2013 at 2:52 PM.
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# 9
Sazdaz
Old 23-02-2013, 10:16 AM
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Join Date: Dec 2011
Posts: 240
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Morning all,

Well didn't sleep well last night and so overslept this morning. Still having issues with ex and trying to decided whether its worth the hassle or to just cut ties and move on. Hoping to have a NSD as at my third job today.

Today will:

- Look into new pet insurance
- breakfast from stores, lunch at work, and dinner with grandparents.
- Swagbucks
- Load of washing on to dry while I am out
- Dogs dinner from freezer
- Keep heating off for as long as possible
- drive as careful as possible to save petrol
- take drink and snack with me in car for long journey to third job.
- try to do a little bit of ironing before I go.
- Take note book so can think through what I want to do tomorrow and work out March budgets etc.


Hope everyone has a lovely day x
APR NSD - 0/10
Paid off in 2013 so far 125.00
April Money made - 18.00
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# 10
determined new ms
Old 23-02-2013, 10:34 AM
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Join Date: Jan 2008
Location: South East
Posts: 4,513
Default

Morning guys thanks for starting the thread! Real sorry to hear about the death in the household & associated costs

My plans for today:

* checked banking & shifted some funds
* looking in changing stoozing account as rate has now dropped. Looking at Santander 123 account
* all meals from stores
* having yellow stickered crumpets for breakfast
* painting kitchen
* going to the cinema tonight with my love gonna stay in and drink wine and play scrabble instead mmmmm
* call my brother & see if he is able to come over tomorrow. If he is go and get last bits for him to do the work
* purchasing car ins
* freeze bread rolls
* get something on out of freezer for dinner tomorrow

Think that's it! Have a great day x
VSP- 165.34
Save 12K in 2014 2377.2.65/7000

Debt to Bank of oh Mum: 300/5000[/CENTER]

Last edited by determined new ms; 23-02-2013 at 6:12 PM.
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# 11
MinnieMousesMummy
Old 23-02-2013, 10:53 AM
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Join Date: Jul 2012
Location: Kingdom of Fife
Posts: 887
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Good morning everyone

My list for today:
  • Quick shower
  • Get kids dressed and organised
  • Breakfast from stores, Having lunch out and dinner at mum
  • Check bank and move money
  • Collect up washing and do full loads
  • Take kids out for the day
  • Surveys (check one poll)
  • Check postcode lottery
  • Check emails
  • Put away clothes that I ironed yessterday
  • Check gas/electric meters and get top ups if needed
  • Do some course work
  • Get kids to bed at a reasonable time
  • Tidy living room and kitchen
  • Do some craft work
  • Take meat out of the freezer for tomorrows dinner

I think that is everything that I need to get done today, Have a Saturday everyone x

Last edited by MinnieMousesMummy; 23-02-2013 at 7:20 PM.
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# 12
stacey2193
Old 23-02-2013, 1:19 PM
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Join Date: Jan 2013
Location: Lovely lakes
Posts: 94
Default

Hi all,

I have been missing a few days again due to silly shifts, nights all week so I feel yuck today, my body still thinks I should be asleep.

I have posted off ten ebay parcels this morning, made around 60 after postage costs, not as much as I would have hoped but 60 is not to be sniffed at and still lots more to list.

Making dinner for friends tonight, homemade chicken korma and cheesecake. I got the recipe from a link to a free recipe card that ally kindly posted so thanks Ally.

In other news slightly off topic, I am going on a date tomorrow night, a colleague at work asked me out yesterday morning, it was the end of our four night shifts and I thought I was hallucinating. He put me on the spot so I felt obliged to say yes and then panicked ! Anyway will see how it goes, my brain is coming up with all kinds of reasons why it isn't a good idea.

Have a good weekend everyone

Much love

S x
"The greatest wealth is health"
Bank of Mum and Dad - 20,000 - 3 years fixed at 3.25% and 2 years variable rate, estimated 22,21 due to end November 2017
Car finance - 10,250.92 over 60 months 9.7% APR, Interest 2612.08, Total 13,906.08 November 2017
HP 1999.47 - 36 months at 0% -March 2016
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# 13
determined new ms
Old 23-02-2013, 1:28 PM
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Location: South East
Posts: 4,513
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Awwww how nice stacey! Enjoy it, a bit of fun to put a pep in your step! I went through a phase when I was dating loads and I loved it

alley not to be too annoying but please can I have the passport pics links again? I haven't saved them, or at least if I have I have filed them very unhelpfully! sorry pinky promise to make good use of them this time x
VSP- 165.34
Save 12K in 2014 2377.2.65/7000

Debt to Bank of oh Mum: 300/5000[/CENTER]
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# 14
mary hinge
Old 23-02-2013, 1:30 PM
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Join Date: Dec 2011
Location: House of Hinge
Posts: 626
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Been MIA for far to long nice to be back!

Today:

Trip to the farm shop for potatoes and rabbit supplies, bulk buy 10kg food/ hay to save in pet shop..... A lemon drizzle n the whoopsie bin for 1.20 yummy

Post some ebay parcels and sewing orders, secord class as they can wait an extra day or so for delivery, collect pass port forms with the hope of a holiday next year!

All meals from stores, sausage and mash for tea, bottom of the fridge soup and toasies for lunch.

Toddler in cloth, nappies on the line to dry in the wind and will ignore the ironing pile for another day to save on electric!

Will finish the mittens and hat i'm knitting for toddler from left yarn ive hunted out. Must not buy anymore yarn!


Mrs H
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# 15
Bobarella
Old 23-02-2013, 2:08 PM
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Location: London
Posts: 401
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Quote:
Originally Posted by stacey2193 View Post
Hi all,
In other news slightly off topic, I am going on a date tomorrow night, a colleague at work asked me out yesterday morning, it was the end of our four night shifts and I thought I was hallucinating. He put me on the spot so I felt obliged to say yes and then panicked ! Anyway will see how it goes, my brain is coming up with all kinds of reasons why it isn't a good idea.
Have fun, where are you going for the date?
Credit Card 1 = 2,999
Credit Card 2 =2,500
Total = 5,499
Emergency fund = 5
Things may be getting better...slowly...
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# 16
ziggy2407
Old 23-02-2013, 2:54 PM
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Join Date: Feb 2007
Posts: 1,610
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Good Afternoon my Lovelies

ally - Thanks for starting us off, sorry to hear about your car
stacey - Enjoy your date, just take it as an opportunity to get out and you never know where these things will end and at least you have things in common already - work/shifts

Hi to all the regulars and lurkers and a BIG welcome to all the newbies, this is a really FAB thread with so many lovely, caring, considerate and supportive people.

Still not feeling great, Hubster and LO have shocking colds too. Stepson has just dropped his eldest 2 boys off (6 and 2) while he goes to the Footie so just a quiet afternoon planned Lego and Madagascar DVD (also helps that I am uptodate with washing and ironing), so another feeble list for today

Check Banks - Done
Check swapits - Done
Check www.freepostcodelottery.com - Done
Sort craft room -
Up to date on emails -

Surveys - Done
General Tidy Round - Done
Meals from stores -
Read or Knit - 75% cushion complete
Enter a few comps -

Have a great day, happy weekend, love to you all

C xx
It is better to take many small steps in the right direction than to make a great leap forward only to stumble backward. (Old Chinese Proverb)

Stash Busting Challenge - 52/52
Stash Buster Challenge (Part 2) - 19/100
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# 17
stacey2193
Old 23-02-2013, 4:23 PM
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Join Date: Jan 2013
Location: Lovely lakes
Posts: 94
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Quote:
Originally Posted by Bobarella View Post
Have fun, where are you going for the date?
I have no idea, we are going for dinner and he is picking me up too so I don't need to drive, he lives 40 miles away from me near where we both work so it isn't just round the corner for him to pick me up bless him. I told him I would rather he chose where to go.

One thing that is bothering me is that he is texting already talking about doing things past the first date like going to concerts and DVD nights. I don't know him well at all, and to me this just feels like he is moving too fast already.
"The greatest wealth is health"
Bank of Mum and Dad - 20,000 - 3 years fixed at 3.25% and 2 years variable rate, estimated 22,21 due to end November 2017
Car finance - 10,250.92 over 60 months 9.7% APR, Interest 2612.08, Total 13,906.08 November 2017
HP 1999.47 - 36 months at 0% -March 2016
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# 18
Bobarella
Old 23-02-2013, 5:16 PM
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Join Date: Nov 2005
Location: London
Posts: 401
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If you find a bit of paper where he is practising your new joint double barrelled surname, get out of there fast!

Awww hes a bit keen, but better that than Mr non commital???
Credit Card 1 = 2,999
Credit Card 2 =2,500
Total = 5,499
Emergency fund = 5
Things may be getting better...slowly...
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# 19
allydowd
Old 23-02-2013, 6:00 PM
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Join Date: Jul 2008
Location: West Coast of Scotland
Posts: 1,723
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Quote:
Originally Posted by determined new ms View Post
alley not to be too annoying but please can I have the passport pics links again? I haven't saved them, or at least if I have I have filed them very unhelpfully! sorry pinky promise to make good use of them this time x
Post #13 (Link)
Credit Card ...........................................1,650
Original debt.........................................12,000

"
Everything works out well in the end; if all is not well, it's not the end."

Last edited by allydowd; 23-02-2013 at 6:02 PM.
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# 20
Pernicious
Old 23-02-2013, 6:10 PM
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Join Date: Mar 2010
Posts: 1,768
Default

Hi everyone,

Thanks for starting us off Ally, sorry to hear about the car.
Welcome skyvicky.
Josie - Hope you mean change the rabbit's bedding & not the actual rabbit!
DNMS - Have a good time at the cinema, if you're going to see the new Die Hard movie then I'm sure you will! Bit cheesey in places but what you'd expect from a Die Hard movie, I enjoyed it anyway!
Stacey - Sounds like a perfect opportunity to get to know each other then! If he's really moving too fast then don't be afraid to say so, if he's worth your time he'll back off a little. Hope it goes well & you have a good time, very sweet of him to travel so far to pick you up.

Little list for me today as still not feeling brilliant:-
  • B/L/D from stores
  • Dinner from meal plan - HM Satay chicken & rice made by Mr Perni!
  • Log calories using free app
  • Checked postcode lottery
  • Charged phone via pc
  • Heating off as long as possible & on low when needed
  • Check online banking
  • Check for new mystery shopping opportunities
  • Enter some comps
  • DH has kindly had a mammoth declutter & flylady session, I am a lucky lady!
  • Got hair cut & dyed at usual salon, now as MSE as I could be but they do a very good job & I get a good price having been a customer for so long. I eeked it out as long as possible as well rather than going every 6 weeks as recommended.
  • Go to second job tonight, drive & not drink so saving money
Have a great, MSE day everyone x
Debt at Jul 12 OD: 1307.65 CC V: 2145.17 CC B: 5759.48 CC H: 3553.27 M&D: 97.00 Total: 12,862.57
Current Debt: CC T: 1200.00 Total: 1200.00
90.67% paid off, 9.33% to go...

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