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Fri 12th Feb - What Small DFW have you done 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 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! :j:j:j


Good morning everyone :hello:

A ridiciously early start for me as you can see so I thought I would start the thread off.
Hope eveyone is happy and well - Friday! :) - have a good day x

My list:
  • Back to uni day today
  • Drive carefully
  • Am driving a friend in - she normally gives me a couple of quid for doing this
  • Making packed lunch
  • Having a night with uni friends tonight :jHaving some drinks afterwards and then staying at a friends
  • Spend no more than £20
  • Bus back to friends later rather than taxi
  • Have done shopping list and meal plan for next week
That's it for me
Lots of love
Tx

MFW!
Started 1/12/22 - £196,000

Saving targets 2023
Mortgage Overpayment £0/£2000
Bathroom £0/£2000
Big Birthday Trip £0/£2000
Long Term Saving Pot £0/£2000
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Comments

  • josiebabie
    josiebabie Posts: 1,224 Forumite
    Tenth Anniversary Combo Breaker
    Morning all who are yet to wake up!
    My list:
    - Work...Sell at least one purge and over £2k of labour today
    - Lunch will be last night's curry on toast (OH decided to ignore my meal plan and change it around)
    - Tea from meal plan (schnitzel tonight unless he decides otherwise!)
    - Check banking and CC statements
    - Charge mobile at work
    - Online surevys (again...at work!)
    Found out OH's job has been extended by 2 months, so that's useful!

    Have a good day all :)
    Nothing to report as yet...give me a minute...!
  • catmiaow
    catmiaow Posts: 5,954 Forumite
    1,000 Posts Combo Breaker
    Morning all,

    Today I will:

    Go to work and work hard
    Vacuum the house before I leave for work
    See to pets
    Check online banking
    Enter comps
    Take a jacket potato to work for lunch
    Go to shops to get a few essentials
    See if any new jobs have come on, nothing new for a few days grrr
    Go and see my mum tonight and take dinner over.

    Hope everyone has a good day :)
    No you're not a vegetarian if you eat any animal or fish, so do not insult genuine veggies by calling yourself one! :mad:

    Thanks to everyone who posts competitions. You are the stars of the board :T:j:T
  • mbaz
    mbaz Posts: 895 Forumite
    Good morning everyone!

    Busy day for me today

    Babysitting this morning
    Housework this afternoon
    Taking my DS's for their swine flu jabs after school :o
    Babysitting again tonight

    Will also do usual
    surveys
    check banking
    scratchard

    Hope everyone has a good day
    :)
  • Thank you for starting the thread Triangle:A I had a lovely lie in....no alarm til just before 8...only set it as we're off shopping today, otherwise I'd still be in bed...where it's warm;)
    So, DD2 is up, DD1 still asleep. Off out in about an hour. DD2 at a friends house tonight, so nice quiet evening for DD1 and I:p

    Ok, list for today:
    • check banking
    • daily scratchcard...10p
    • us epark and ride, not parking in town
    • will take our own chocolate biscuits for after lunch snacks!
    • Treat of Subway for lunch:D
    • Try not to be too tempted by bits and bobs in Primark:o
    • Return a couple of bits to Next/New Look for refunds
    • Meal from plan tonight -chicken stir fry
    • Take chicken out of freezer for dinner
    • Read paper online
    • Enter some comps
    • FInish comp puzzles in mag and eneter online
    Hmmmm....that's all for me.
    Have a great day all!
    I really need to sort out a new signature!
  • mogchops
    mogchops Posts: 1,548 Forumite
    Morning all, thanks for starting the thread Triangle!

    Hooray for teacher training days and lie ins :jsame for me today!! Am still not dressed yet....really must get on....:o

    Today:

    - check online banking
    - tidy lounge & hoover
    - tidy DDs room :eek:
    - sausage casserole in slow cooker (already done ;))
    - DDs to a birthday party this afternoon
    - Lost tonight!!! Yayyyyyyyy:T:T
    - Do all comps ending 13/2
    - hope for comping karma & get a win!!

    Have a lovely day everyone xxx
  • Hi all,
    Almost the weekend!
    today:
    -breastfeeding and using reusable nappies with little one
    -risotto tonight for tea from meal plan
    -walked to baby group and spent £1 to attend - had a good blether with friends, LO played with different toys and a cuppa and cake so all good!
    -worked out a proper budget yesterday and nowhere near as scary as I thought it would be (after dreading doing it for so long!) - so over the weekend will sit down with DH and go through it together
    -make a valentine's card!

    Have lovely days everyone
    xx
  • Bagpuss741
    Bagpuss741 Posts: 2,291 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Today I have/will:

    1. Checked online banking.
    2. NSD
    3. Paid £120 off HSBC overdraft:A Now owe £397:(
    4. Store cupboard meals
    5. OU coursework
    6. Free scratchcard
    7. Walk dog locally
    8. Win £113m Euromillions:rotfl:
    9. Gather info to update sig
    Tesco: £1361.19, Vanquis: £2644.73, Very: £563.08, Next: £1636.95, M&S: £1049.92. As of 5th February 2024. Slava Ukraini
  • Hey late for me today

    Picked up ds and pal from a sleepover
    Tidied up for Mrs mop (Not cleaned that's her job)
    CHecked which petrol cheaper and put some in the car
    Check banks later
    Cash out for Mrs M
    Milk froze from last nights 14p for 2ltrs bargainous find
    Package up some seeds for a MSE'r
    Wrap up warm
    Doggie to field - free exercise for him
    Sunny here - so off out to enjoy the sunshine
    Total debt 26/4/18 <£1925 we were getting there. :beer:
    Total debt as of 28/4/19 £7867.38:eek:
    minus 112.06 = £7755.32:money:
    :money:Sleeves up folks.:money:
  • saorsie
    saorsie Posts: 1,905 Forumite
    Good afternoon all

    Today I have/will:
    • check banking,scratchies,free games etc - check!
    • sweep and wash floors in house to remove doggie pawprints - check!
    • renew car insurance & checked 2 cashback sites and used one that was offering largest payout for cheapest quote on comparison sites - feel most virtuous! - check!
    • charge phone at work
    • post 2 ebay items - check!
    • list 4 more items - check!
    • Eat at work - check!
    • Definitely start dooyoo reviews tonight - does anyone here do them and can you give me any advice - why can I not apply myself to this task? - answers on a postcard please!
    That's about it for now

    -s-
    Frugal living challenge 2012 live on £8500 ~ £7725.87 remaining
    Make £5/day in 2012 ~ £482.24/£1830 ~ 22.52%
    Proud Member of PAD since January 2010 ~ Total paid to date £11386.64
    Savings Pot for 2012 ~ £772.60/£3000 ~ 23.38%
    Lose 19lbs / Save £2k by 30/04/12 *5/19lbs* £158.72/£2000
  • sans_2
    sans_2 Posts: 1,382 Forumite
    Evening all,

    My dfw things for today
    · Boots – reused bag x1 = 1 points
    · Boots – used points on milk (reduced of course!)
    · Boots – used my 2 pd gift card (earned from doing a product test of course)
    · Boots – got 3 more vitamins (used all my vouchers)
    · Ebay – got more bids/watchers on my items
    · Found 1p
    · piggy clicks - done
    · Used mocs off shopping
    · Washing put into washing machine ready to do tomorrow
    · Will enter some online competitions
    · Did a mutual point click through
    · Sister gave me some mocs
    · Received my free flash frebreeze with coupons
    · Left sister my bus pass
    · Charged mobile at work
    Tesco points: 101 (£21.50, £19.50, £7.50, £21 & £5)
    Boots points: £0.28
    Pigsback points: 715 (4 xBoots£10 & 1 xPizzaHut£10, 2 x £10 clothing vouchers)
    Mutual points: 3417 (redeemed 8250)
    Rpoints:redeemed 28925 points)Cashbag:£8.91(£20)
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