Friday 25th May - What small DFW things will you do today??

Karb

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. :money:

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! :T

Morning everyone. Looks like another hot day in store.

Well, I've done something not very DFW at all. Last night I booked a holiday for the boys and me. 9 days in Spain at the end of August. I nearly gave up as the website crashed three times after taking all the details, but finally got it sorted at the 4th attempt.

So it's now even more important that I do those little things to save money between now and then.

Day off today, as middle son has an appointment at the children's centre for his autism. It's at 1130 so it wasnt really worth trying to go to work either side.

Need to replace one of my tyres ready for the car's MOT next week. There's a discount tyre place only a short drive away, so I'll go there. Not intending to spend anything else today except on the tyre.

Today I have/will
Washing drying on the line
Check banking
Shower using toiletries from recent hotel stays
Dinner and tea from stores; in fact that's just reminded me to get some mince out of the freezer for tea for a spag bol
Take advantage of the sunny weather to wash and hoover the car, and do weeding in the garden
Go for a run
Post some cards, and forms for the solicitor

Think that's about it. Have a great day everyone

ziggy2407

Good Morning All

Karb - Thanks for starting us off, hope todays appointments go well for you and well done on booking you & your boys a holiday - you deserve it
925pws - Congrats on paying off one overdraft

Quiet day, but aiming to enjoy the sunshine too

Check Banks - Done (v tight again)
Check swapits - Done
Comps -
Filing & Shredding - Done shredding
List on Freecycle - Done
Work (11.30-1.30) - Done
Keep up to date with surveys -
Keep on top of emails -
Quick tidy round - Done
Update food tracker (34lb off) - in progress
Meals from stores/Left Overs for Tea - Done
Email friends/ex-colleagues about items for sale -
Sit in sunshine with book -

Have a great day everyone, love you all.

C xx

determined_new_ms

Morning Karb, thanks for starting us off & Yay!!!!!!! to holidays in the sun x

Am seething with jealousy seeing your "go for a run" haven't been for a run for 3 weeks as was ill for 2 weeks and have had toothache for the last 4 days if it doesn't get better I will have to make an emergency appt....

Anyway! Things for today:

• check banking
• did vsp & updated sig
• all meals from stores
• check onepoll
• call up and open an isa have finally decided which one!
• loaned oh £400 out of our "free money so we don't go overdrawn
• "borrowed" (i.e never pay back!) £1 off of oh for parking later :rotfl:
• going out tonight but only to stick to a budget of £10

ok think that's it! Have a great day x

stitching_witch

Morning all! :wave:

Yippee, it's Friday and now that I do a three day week, it's a Stitching Witch day with two corsets to get in the post tomorrow and another three to draft patterns for. And the girls at work think I have two days off........ :rotfl:

So far today:

• fed and watered the chickens
• washing overnight on Economy 7
• hung washing outside in the free sunshine
• bread dough rising in airing cupboard
• checked banking
• checked for surveys
• paid CC bill

I will also:

• get into sewing room all day
• make lunch with MH bread and fresh eggies
• look for receipt for a training course to claim back through the business accounts
• keep an eye on surveys throughout the day
• LO chicken casserole for dinner
• Water Board coming to fit water meter today
• because of above, get all the laundry done, including all bedding and hang outside to dry
• do business accounts tonight
• have an NSD

I think that'll do for me today. I might even get chance to update my 101 things list this evening as I know I've achieved stuff since I last logged on.

Have a good one folks; it's almost the weekend! :cool:

magni

Morning all:D

Thanks for starting us off Karb, I'm sure you'll all enjoy your holiday. We still need to have some sort of a life when we are penny pinching;)

Tonight I'm on nightshift so will be taking it easy today. Short list is

- check banks
- do a survey
- go shopping in Sainsbury's using money off voucher
- made kids packed lunches for school

That's about it. Enjoy your day xx

925pws

Good morning everyone

Sunshine certainly brings out the best in me, hope you are all enjoying it too?

Right, had an early start so am very pleased with what I've done and still some things to do so here goes:

Check bank - done
Respond to CCCS - done
Make batch of carrot and ginger soup for lunches next week with left over carrots - done
Use up left over lemons - done baked lemon cake
Think of what to do with 4 oranges and a pineapple
First wash on just four to go
Put up washing line again - done
Clean house - about to start

That's all for today, all the best and hopefully everyone will have a great weekend.

mr2jay

Hmmm - Fridays are my main debt busting days so...

1. Check Bank Account (Been paid!!!)
2. Pay Council Tax - Done
3. Pay off NPower Electricity - Done
4. Pay some off Credit Cards - Done
5. Pay Mobile Bill - Done
6. Squirrel a little bit away - Done
7. Write shopping list for tonight
8. Updated Spending Diary - Done
9. Bask in the joy that I have started the journey properly now

sistafromanothermista

Hi all
Today i have been paid so;
£ taken out for shopping (given hubby list and calculator)
Petrol filled up on car (since when did my car take £65 to fill up :eek:) Looked around for cheapest place to buy petrol though
Filled in my tax relief forms ready to be sent today (hopefully around £500 coming my way? fingers crossed)
Realised that i didn't owe £4900 on NW cc but only £4300 :j
Started collecting reciepts for EVERYTHING we buy (hubby doing same)

sistafromanothermista

Also, just had experian report through, all ok (phew) so that's been filed in the 'debt and finances file'
Just used £100 of our savings (£1400 left in savings ) to pay off a little bit of my Next account with the DD due out 5/6 of £28 this will bring the balance under £200 :j:j
At 29.9% this is my priority debt

stitching_witch

sistafromanothermista wrote: »

Just used £100 of our savings (£1400 left in savings ) to pay off a little bit of my Next account with the DD due out 5/6 of £28 this will bring the balance under £200 :j:j
At 29.9% this is my priority debt

With the interest rates on savings being so appalling, wouldn't it be an idea to use £200 of your savings to pay off the next account completely? I'd rather lose 29.9% interest on £200 than to earn around 3% on the same amount. You could then "pay back" your savings with the money you would have been paying the card with. Just something to think about

sistafromanothermista

stitching_witch wrote: »

With the interest rates on savings being so appalling, wouldn't it be an idea to use £200 of your savings to pay off the next account completely? I'd rather lose 29.9% interest on £200 than to earn around 3% on the same amount. You could then "pay back" your savings with the money you would have been paying the card with. Just something to think about

I think the same thing, however dearest hubby likes to see that we have a bit put aside for a rainy day (hello?!) i would much rather use all of it to clear a bit on the debts but alas...