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  • FIRST POST
    • allydowd
    • By allydowd 23rd Feb 13, 6:57 AM
    • 2,307Posts
    • 10,126Thanks
    allydowd
    Sat/Sun 23rd/24th Feb: What small DFW-style things will you be doing today?
    • #1
    • 23rd Feb 13, 6:57 AM
    Sat/Sun 23rd/24th Feb: What small DFW-style things will you be doing today? 23rd Feb 13 at 6:57 AM
    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
    Debt-free day: 8th May 2015.

    "
    Everything works out well in the end; if all is not well, it's not the end."
Page 2
  • determined new ms
    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???
    Originally posted by Bobarella

    ha ha ha! Bobarella funnnnnnneeeeeeeeeeeeeeee!

    either or is a killer though isn't it? Just the right amount of "into you" or it kills it dead in the water.

    Hope he's just knocked out by you stacey and he has you laughing like a drain all night
    Last edited by determined new ms; 23-02-2013 at 7:32 PM.
    VSP- 91.12
    Debt to Bank of oh Mum: 2350/5000 August GC 203.15/200 Sept 29.79/175 August
    extra income 280.95/100
  • stacey2193
    he is putting me off, he is now talking about taking me to a wedding as his plus one in may, but even worse a mutual colleagues wedding which will be full of people we both know from work. I had to tell him straight at which point he said he found my directness refreshing !

    To be continued !
    "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
    • Candy0107
    • By Candy0107 24th Feb 13, 6:21 AM
    • 1,501 Posts
    • 8,817 Thanks
    Candy0107
    Awww hugs Stacey, someone at work had the same things and she ended it after about 3 months

    Morning people,

    Up stupidly early for a Sunday morning as off to London as hubby is going to see the Swansea / Bradford final and there is engineering works on the railway which will add 30mins on to the journey.

    So today I will/have:
    • Breakfast from stores
    • Bought railfare using national railcard bought yesterday
    • Bought my ticket from workshire to London - saving about 6
    • Will stick to my budget of about 30 for the day - payday on Thursday so would like to put some more into savings account
    • Will buy a cheap lunch
    • Will go to a museum to keep myself entertained
    • Will not walk around London with my wifi on as it eats away at my battery and I don't want to get lost In London - hubby will be at the football for a couple of hours

    Think that's my lot for today

    Take care all
    Candy xxx
    Last edited by Candy0107; 24-02-2013 at 6:29 AM.
    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 No longer debt free but hoping to have letters after my name ! CC Debt 2,100 Car Debt 6,000 Deposit savings 625/20,000 3.125%
    2 Sealed pot challenge 2014 target 600
  • Bobarella
    Morning All

    So, today is the last day before payday for us. I am off to work, a long day today for me. Last night I shopped my house, and realised I wont need any meat for this coming week, have plenty in. I am going to challenge myself to spend less than 30 on food in the coming week. To include bread, milk, veg etc. I suspect I can do less than that but dont want to get carried away.

    Dont think there is anything else I will be doing today, just getting through till bedtime!

    Good luck all.

    Bobarella
    I have 3,290 to pay off by 12/15
    No 29. E'fund challenge= 1000/1000
    Roadkill Rebel no.80 August 5.01 (Year to date 63.78)
    made wombling 2015: 621.44 NST 7 August SFD 12/20 StretchTarget for August 706.39/643.18 (100%)
    Bobs new Debt repayment mantra 'Go hard or go home!!!'
  • determined new ms
    Morning early birds sorry to hear you have to work Bobarella. Hope in terms of workload today you have enough to do that work speeds along at the lovely working efficiently pace (dragging or so much you're stressed is no good!). Candy enjoy your day in the big smoke!

    Me I stupidly woke up at 6.30 tried to pretend I was still asleep but alas it wasn't kidding anyone.

    Things for the day:

    * apply to change my account for the 123 one (need to add oh to the account too)
    * more painting - yesterday we did a whole day and we really came on heaps and bounds. I keep saying it'll soon be done but all that needs to happen now is, painting the woodwork - which we will be doing today. Tiling & sealing which will be done on Thursday. Installing the new wood burner effect fire and finding blinds
    * all meals from stores
    * possibly go to the gym with a free pass - snowing hard so looks very unlikely!
    * maybe have a walk this afternoon and stop in a local for a pint. Depends on how cold it is! ditto!
    * hang up some washing & do another load
    * list a couple of bits on ebay
    * post a TV on freecycle
    * iron clothes for work tomorrow
    * do some sewing of quilt nearly finished
    * have done a meal plan for the week & a shopping list. Will see how long I can go before going shopping - although have no veg....
    * NSD
    * used yellow stickered bernaise sauce with dinner

    Ok that's my lot. Happy Sunday x
    Last edited by determined new ms; 24-02-2013 at 7:24 PM.
    VSP- 91.12
    Debt to Bank of oh Mum: 2350/5000 August GC 203.15/200 Sept 29.79/175 August
    extra income 280.95/100
  • katy_ann
    Morning guys Sorry Ive been a bit AWOL the last few days, Ive had some amazing news, Ive managed to come off of my DMP as I recieved an annual bonus from work that has allowed me to clear a big chunk of my debt. I can now make minimum payments and Im going to start PADING to Im so happy Anyways list for today;
    • OT at work 11-4
    • NSD day (out of my weekly money)
    • Load of washing and hung up to dry
    • Car share to work
    • B/L/D from stores
    • Need to get some bread and cheese for sandwhiches for the week at work
    • Make money, not spend it!
    Have a good day all! x
    Official DFW Nerd Club Member #1449 | Proud to be dealing with my debts
    Total debt as of 08/08/2015 - 1703.00 | Aiming to be Debt Free by December 2015 June 2016
  • MinnieMousesMummy
    Good morning, I eventually decided to venture out of bed after lying awake since 6:30am. Its a rather dull day here today, although at least it is still dry (at the moment). Having a busy day in the house, as waiting for Mr A delivery (booked an 8 slot as it was cheaper)

    My list for today:
    • All meals from stores - roast chicken for dinner
    • Check clothes that are hanging up to dry and add to the iron pile
    • Surveys (remember to check one poll)
    • Check postcode lottery
    • Schedule and sort out work for this week
    • Do some of the ironing pile
    • Catch up with emails
    • Put ironed clothes away
    • Help ds with his homework
    • Do some course work
    • Get kids bathed and into bed at a reasonable time
    • Wait in for Mr A delivery
    • Submit S&S information
    • Sort list for tomorrow
    • Sort clothes and bags for tomorrow
    Last edited by MinnieMousesMummy; 24-02-2013 at 8:21 PM.
  • determined new ms
    congrats katy_ann amazing news. so pleased for you!
    VSP- 91.12
    Debt to Bank of oh Mum: 2350/5000 August GC 203.15/200 Sept 29.79/175 August
    extra income 280.95/100
  • mary hinge
    Morning!

    Late start in the Hinge household after a very much disturbed night, DS1 decided sleep is for whimps!

    Today:

    All meals from stores, gammon egg and chips for tea!

    Relook at SOA for dmp review, 1 year in and the figures still look ! 1848 paid off many many more 's to go!

    NSD as too cold to go out and I'm much too grumpy!

    Meal planning and shopping list to do for next week, must stick to the budget, must stick to the budget, must stick to the budget!

    claimed 10 amazon voucher from Nielsen for my phone app, will go in the pot for birthdays and xmas! will also tackle the mountain of surveys waiting in my inbox.

    Fight Mr H over the heating dial and put on plenty of layers.

    Have a good day all!

    Mrs H x
  • Chrisblue1962
    Yesterday and today I have been re-jigging my monthly budget spreadsheet.

    I always find it difficult to stop budget "leaks" - small purchases , usually just a couple of pounds here and there on things like postage , tin of dog food , milk , etc.

    So , i order to stop this , I've started keeping track of exactly what I spend cash withdrawls on so at the end of the month I'll consider whether I need to have another budget item such as "Sundry Groceries - 20.00".

    I've also decided on Monthly Piggybanking for Car Maintenance , small Emergency Fund , Medicines & Dentist , Christmas Fund and... a Holiday! .
    DFW'er - Lightbulb moment : 31st July 2009 - 18,499
    1st July 2015
    - 15,850 - 14.32% paid off.
    Long Haul Supporters Thread Member No. 323
    D
    emolishing my House of Debt.. one brick at a time!!
    Thinking of spending???..YNAB says "NO!!!!"


  • Pernicious
    Hi everyone,

    Today I have/will:-
    • B/L from stores
    • Free dinner at the parentals
    • 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
    • Bit of decluttering & flylady so we stay on top of it
    • Clip the bun's claws ourselves rather than going to the vet for it
    • Check DH's fleabay, some items ending today, will relist anything that doesn't sell as well as some on my account that I didn't end up relisting last week
    • Bake some cookies
    • Washing on eco setting using less than the recommended dose of washing liquid
    • Hang up to dry
    Have a great, MSE day everyone x
    Last edited by Pernicious; 24-02-2013 at 10:46 PM.
    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...

  • foxgloves
    Evening all.....& a freezing cold one it is, too, here in the Midlands.
    This weekend has been pretty good on the whole, apart from the extra heating I've been putting on as it's sooooo cold.
    *Shopped yesterday (2 off new supermarket offer)
    *Free coffee at a local coffee shop (loyalty card)
    *Snowdrop walk - free. We did buy coffees & cashier gave our loyalty card an extra stamp for venturing out in the cold! Snuck out 2 llittle home-baked cakes to have with it, brought from home. Took packed lunch too. (Our coldest picnic EVER!)
    *Did a competition & a survey.
    *Bought gorgeous top in 'Monsoon' with my giftcard, so therefore counts as free top. Picked up details of their discount scheme where you take in an old Monsoon garment & get a 10 discount off a new one.
    *Found pretty summer top in charity shop - M&S 'Per una' - only 3.50. A size smaller than me, but bought it as a goal garment as I plan to continue with the weight loss & I can get it on, it's just a little bit tight over the muffin top!
    Think that's everything for me - We've had pretty much a relaxed peaceful weekend.
    Cheers,
    foxgloves x
    Debt-free since May 2011 & determined to stay that way.
    Foxgloves' mantra for avoiding debt: "If it has to go on a card, an overdraft or a loan, that's not my money, that's somebody else's, so I obviously can't afford it!"
    'How much can we save towards car in 2015' fund = 688-02
    Payment received from surveys in 2015 = 220
    • allydowd
    • By allydowd 24th Feb 13, 7:03 PM
    • 2,307 Posts
    • 10,126 Thanks
    allydowd
    Old car has just been towed off to the great scrapyard in the sky. Got 80 for him. Better than nothing.
    Debt-free day: 8th May 2015.

    "
    Everything works out well in the end; if all is not well, it's not the end."
  • ziggy2407
    Good Evening my Lovelies

    Haven't left the house 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 - Done

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

    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)

    Stashbusting Challenge - 70/100
  • josiebabie
    Evening all

    Not much for me today as I spent all day (8am til 5pm) with a friend with family troubles. I still acheived this though:

    - Checked bank
    - Managed to keep out of spending trouble as friend decided on a whim she wanted to go to local safari, when we got there she realised it would be 120 for all of us (2 adults, 3 kids, 1 free) so we turned around!
    - Fish n chips for lunch and cake. Spent the last 9 I had for this months budget on our share, but get paid on Tues
    - Baked cakes for lunches
    - Made up the weeks porridge pots
    - DIDN'T IRON ANYTHING Need to work out how to make two shirts last the week, mix with smart tops/dresses
    - 1x HC
    - Bathed DD and tricked her into bed by 6.45
    - Checked 0% BT has been done 24.9% card empty 0% card full
    - Treat myself to a bath this evening - that sounds awful!

    Thats me plus an early night tonight, heres hoping I might get up early and not get ready in a rush tomorrow.

    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!

  • determined new ms
    Finally finished the binding. Very pleased with the results and just in time, am visiting my bff and her family on Thursday

    http://s1137.beta.photobucket.com/user/dnms1/media/Jessesquilt.jpg.html?sort=3&o=0
    VSP- 91.12
    Debt to Bank of oh Mum: 2350/5000 August GC 203.15/200 Sept 29.79/175 August
    extra income 280.95/100
  • little pink purse
    thats stunning dnms

    i also like the pic of the cake yum xxx
    N.S.D in Jan15 10/15 Feb 8/14 march6 /13

    42 k 2009 down to 23,595 2015


    Food Spends Budget 250 Jan 200.30 Feb 231.26 march 64.50
  • determined new ms
    awwww thanks LPP! Am very pleased with myself
    VSP- 91.12
    Debt to Bank of oh Mum: 2350/5000 August GC 203.15/200 Sept 29.79/175 August
    extra income 280.95/100
  • zymotik
    Since my brother installed us a log burner, I've been saving money by spotting pallets and burning them.... I've been chopping them down all day. Then I found this handy little guide to making things out of pallets too: http://www.dumpaday.com/genius-ideas-2/35-amazing-uses-for-old-pallets/ I fancy giving it a go!
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