Wednesday 9th May - What small DFW things will you do today??!

Sunshine22_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, or staying debt free. :money:

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! :T


Morning all, hope everyone is well. I'm really struggling with this whole debt free thing at the moment. It's the 9th of the month and I'm skint already, still. On paper I can see I'm making a dent in this ridiculous debt I've got myself in to, but I'm so bored and frustrated of spending all day every day obsessing about money and debt payments. I know we're all in the same debt-riddled boat but just needed a rant!!

Anyway, onwards and upwards on the DFW journey:

* Check banks, still no sign of that refund
* Drive sensibly
* Lunch from home, dinner from stores.
* Lots of water at work (free and super good for me)

That's probably it, I'm in charge at work today as the boss if off so will be busy trying to keep the place afloat!

Have a good day all

S x

kjp

morning all, and thanks to Sunshine for starting us off!

Today I will:
Check banks
Check ISA - still no transfer
Check CC - horrific whilst awaiting refund
See if Ebay payment's been taken yet
Look into mobile phone insurance - renewal came through a couple of weeks ago
Look into car insurance - renewal came through £100 more than a new quote - not gonna happen!
Bit of OUing
Bit of exercise
LSD - need fruit for work!
Sort out BHS parcel to go back
Read newsletter!
2lts water
Food from stores
Car share to work - drive economically

Think that's my lot for today, have a great one all!
Kxx

bt1

Morning!

Thanks for starting sunshine. I know how you feel and I'm feeling exactly the same. I'm trying to pay off £2 a day each day just so I feel like I'm actually doing something about it! But getting sick of having to keep saying no to friends when thy are goin out! I'm always making up excuses! They must be sick of me by now!!!

(I was naughty yesterday and treated myself to a mcd!!)

List for today:

- check bank
- check cc's
- PAD just £1
- lunch from home
- stay in at lunch and study
- 2l of water
- study at home tonight! (so behind!!!!)

X

determined_new_ms

Morning guys :wave: thanks for starting us of sunshine! Try not to worry too much re the debt and the loooooooooooongness! It ebbs and flows sometimes you feel like ur kicking a** and then sometimes its painfully slow and boring, but keep going as you are and the end will be in sight before long. Believe me that's the way it goes, and it was such a relief to get to the debt free finish line! :T

Sozza I've been awol so much going on in my life that I have been peeing money and wasn't doing any small things.... back on the wagon now!

• checked banking - not as bad as I thought!
• all meals from stores
• book travel ins
• fill out forms and send off for isa
• 1st sewing group today :j
• possibly go for a run?
• check onepoll

not much but better than nothing! Have a great day x

ziggy2407

Good Morning All

We've got brilliant sunshine today but rain has been forecast but who really knows, lol. Still got a really sore throat and banging headache so going to have a bit of DIY papmer session later.

sunshine - thanks for starting us off
DNMS - Missed you and your great words of wisdom

Hi to all the regulars and welcome to all the newbies.

Today I will:

Check Banks - Done
Check swapits - Done
Work (11.30-1.30) - Done
Keep up to date with surveys - Done
Keep on top of emails - Done
Quick tidy round - Done
Ironing -
Update food tracker (35.5lb off) - in progress
Read - *
Hang pictures I made in hallway -Done
Pamper Time - *
Early night -*

Hope you all had a great day, love you all.

C xx

* - No time thanks to carpet fitters deciding they want to call tomorrow instead of when its more convenient for me, have had to make sure room is empty (well almost have a 4 door wardrobe I cant move as its just too heavy for me so they'll have to deal with it, lol)

wannabee_in_credit

Morning all

Thanks for starting us off sunshine. Chin up... some days are tougher than others, and some days you need a tiny treat as well. I went out for pub lunch with my OH and kids the other day, which wasn't mse but was just what we needed. My debt free journey is still another 4 years, and I know that I need a break ocassionally.

Here's my little list for today.
checked bank
planned nsd (I'm at work so too busy to spend)
meals from stores
try and nag OH to get up, go out and enjoy the rare sunny day we have (I hate depression, such an awful selfish disease)
plough my way through my overflowing marking pile.

Have a good day all

magni

Morning all:D

Today I have/will

- left car in for service and I have a payment plan so should cost nothing;)
- check banks
- do some washing (the pile is ever growing:eek:)
- meals from stores
- apart from car should be a NSD:j
- fill in questionnaire for PPI
- retrieved 5p from washing machine:D

Have a lovely day xx

Wannabe01

Good morning everyone. Its another lovely sunny day here.

My list for today:
[STRIKE]Quick shower[/STRIKE]
[STRIKE]Catch up with emails[/STRIKE]
[STRIKE]Surveys and one poll[/STRIKE]
[STRIKE]Full loads of washing - hang outside if it stays nice[/STRIKE]
[STRIKE]Do work that is in for today[/STRIKE] Managed some over time so an extra £20
[STRIKE]Phone health visitor reg dd[/STRIKE]
[STRIKE]All meals from stores[/STRIKE]
:)Fill in council tax form and contact office to make an appointment Workin Progress
[STRIKE]Look into available work[/STRIKE]
[STRIKE]Do volunteer work[/STRIKE]
:)Tackle some course work A job for tomorrow as didn't get time today.
[STRIKE]Some work on wedding related tasks[/STRIKE]

I think that is everything for today. Have a good Wednesday everyone.

katy_ann

Good morning Today I will
- Check online banking + see if paypal money has credited
- Have a NSD day
- Go into work for a meeting (using bus pass)
- Lunch and dinner at home
- Do washing and hopfuly hang outside to dry!
- Post ebay parcels
- Go to view a new house share (cheaper!)
- Do surveys

Hope everyone has a lovely day x

Yargo1

Hi all, have checked online banking, and will be having dinner from stores later. the co op here always seems to have good bargains each day. i can only imagine the workers freezers must be chocca with all the stuff as ive never seen so much good stuff on sale to joe public.. large chickens for like 3 quid. bargainous.

have a good day all x

Pinkpenguin

Hi Everyone, Happy Hump-day :j

Sunshine - I know exactly how you are feeling, I had a mini breakdown at the weekend - blubbering mess all over the place, i'm sure my Boyfriend must wonder what on earth he has done to deserve me!! It is hard having to account for everything - it is my Birthday next Wednesday and I have already ear-marked my £20 Birthday Money on paying for my Car Insurance this month, no fancy cocktails for me this year!! As others have said though it will be so worth it in the end and we are all here to support eachother so feel free to rant anytime!


So Today I will/have:

• Lift into work
• Breakfast from stores
• Lots of free tea and water at work
• Check Bank - Done, still skint
• Check OnePoll - Done, Politics obviously not my strong point
• Checked emails - Done, A lovely man from Nigeria wants to send me 1,000,000 GBP so I must send him my bank details shortly
• Lunch from stores - Sainsbuggys Value Quice and salad, yum
• Walk to the gym after work
• Dinner from stores - something exotic from the freezer (mini sausage rolls and beans perhaps...)
• Apprentice and a spot of Ironing

Gosh I lead a Rock and Roll Lifestyle, I bet you guys can hardly keep up with me :rotfl:

Have a good day all,

Lots of love

PP xx