Wednesday 30th May - What small DFW things will you do this weekend??!

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.

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!

Sunshine22_2

Morning all, hope everyone is well.

So today is payday, money has all already been allocated to the debt payments and the bills (rent, petrol, electric, council tax, the world and his uncle want a little bit). This has the undesirable effect of making me grumpy. I've decided not to do my masters degree, not until (if) I ever have the opportunity to save up. Don't want to be further in debt for something that doesn't have a guaranteed return. Am also getting fed up with eating value food, not being able to buy anything that is non-essential, feeling guilty for a treat chocolate bar about twice a month. Have been thinking of getting an additional job (I currently work & commute for approx 55 hours a week), I reckon 12 hours a week, maybe weekends, even on min wage would make a quicker dent into the debt. I just don't see an end to it all. Once this debt is paid off there's the student loan (not an urgent one so not included in my df journey), and even then I'll still be in rented accommodation when all my friends have already started buying homes, and still without any pension plans

Anyway, that's enough of the whinging for now. Sorry all but I know you guys will understand. It's all my own doing and this I'm sure is just Karma!

Today:

* Washing on line drying
* Breakfast from stores, no lunch so will rummage for a cuppa soup at work
* Better run the vacuum round after work
* Start an evening job search - see what the market is like atm
* Another day of work, might draft an email to the boss saying if there is any overtime I would like it

I think that's about all I can face for today. I'll get back on it once I'm out of this mood!!!

Have a good day all

S x

starnac

Morning sunshine. Sorry you are feeling a bit down. I think this board is fab for days like that as you have somewhere you can talk/rant/whinge about it and people (generally) listen without judgement

Orange fairy nice to see you back yesterday.

Sunny day here today even though we were told it would rain but never mind I'm not complaining.

My list for today

[STRIKE]Check banks[/STRIKE]
[STRIKE]LSD[/STRIKE] (bus fare to town, walk back)
[STRIKE]Language and play workshop with DD[/STRIKE]
[STRIKE]Coffee morning with DS[/STRIKE] (DD will stay in school after workshop)
Sewing
Knitting once kiddies in bed
[STRIKE]Meeting this morning re upcoming youth activities in church[/STRIKE]Only 2 of us turned up :mad:
[STRIKE]Meals from stores[/STRIKE] (except breakfast at coffee morning )
[STRIKE]Daily clicks[/STRIKE]
[STRIKE]Look into upping my income a bit[/STRIKE]
Eb4y listings
[STRIKE]Wash cover on bouncer[/STRIKE] and list on selling page
Find envelope to post patterns to friend
Email friend instead of ringing

That'll do for now. I can't think of anything else.

Happy Wednesday everyone

magni

Morning all. Sorry you're feeling down sunshine. I hope the mood passes soon xx

Today I'm on more overtime:j

List will be short

- check banks
- NSD
- meals from stores

No time for any washing today so don't mind if we get some rain today.

Have a lovely day xx

925pws

Morning everyone. Hi Sunshine :wave:

I'm sorry you are feeling down. Have you tried registering with People Per Hour? You might pick up some extra work there and do it from home.

Also, is there any kind of funding you could get for your Masters? Not sure of the area you want but ESRC (website https://www.esrc.ac.uk) offer grants, what about a scholorship? You might be able to get some help with it.

I do hope you feel better soon.

Ok so today I will:

Check bank - have gone from not checking it to checking it every other hour :rotfl:
Top up travel card
Search for a cheap hotel
Post ebay items
Job hunt
Meals from stores
Send CV in for consultancy work

Think that's it at the moment anyway.

Have a good day everyone.

freshstart11

check bank
carry on sorting clothes for ebay
washing on line if stays dry (hmmmmm)
check peopleperhour
meals from stores

Only short and nothing new x

determined_new_ms

Morning everyone :wave: Sunshine thanks for starting us off! Ah treacle! If I had a pound for everytime I had felt that way while debt slaying and also everytime I had heard it I'd be able to have another holiday!!! Ebbs and flows lovely, ebbs and flows. But you are going great guns so stay strong :grouphug:

so hurrah its Wednesday :beer: going to work really hard so the day zooms past!

Today:

• check banking
• read Martin's email - think I'm going to buy one of the tellys in there :eek:
• all meals from stores
• dare I say it??? Possible NSD???
• call ISA as they didn't send me the transfer form
• look into best buy instant savings acc from email
• check onepoll
• going to visit someone after work re a committee I've joined recently
• going to visit my bff this evening for a cup of tea and catch up

That's my lot. Have a great day! x

ladymay

Morning,

To-do list for today:

• [STRIKE]re-arrange optician's app. for second time - I'm now working on Saturday[/STRIKE] rearranged for next friday
• [STRIKE]register with several mystery shopping websites[/STRIKE] got my first assignment already!
• [STRIKE]call my Dad and brother[/STRIKE]
• [STRIKE]go shopping for work[/STRIKE]no luck, will try again on Friday
• [STRIKE]go shopping for the weekend - need to buy sushi making stuff, and lots of ingredients for a birthday cake and Jubilee biscuits[/STRIKE]
• hoover and dust entire flat really, really not done!
• clean laminate and tiles please see above
• [STRIKE]make some body scrub - I just use sea salt plus olive or almond oil, works a treat![/STRIKE]
• [STRIKE]meals from stores[/STRIKE]
• [STRIKE]start on new SOA[/STRIKE] it's in my diary if you fancy a nose
• [STRIKE]work 5-8[/STRIKE]

Think that's it! Phew!

Wannabe01

Good morning everyone, It’s a rather wet day here today but not to worry I am still in a positive frame of mind.
Sunshine22 – Thanks for starting us off this morning, sorry that you are feeling a bit down.

My list for today:
[STRIKE]Catch up with emails[/STRIKE]
[STRIKE]Do work that is in for today[/STRIKE]
[STRIKE]Surveys and One poll[/STRIKE] Not much happening
:)Collect up washing and do full loads – hang on the airer
:)Check for freebies
[STRIKE]Check if the new phone that I want is back in stock[/STRIKE]
[STRIKE]All meals from stores[/STRIKE]
[STRIKE]Do a small frozen food shop as not much in at the moment [/STRIKE]dh done this and only just over spent by £1.28.
:)Some studying
[STRIKE]Fill in expenses form for volunteer work[/STRIKE]
[STRIKE]Contact ds’s school and my college regarding change of name. [/STRIKE]Contacted school and I have also got myself some additional work for after the summer. Need to write a letter for college.
[STRIKE]LSD – only need to do small food shop[/STRIKE]
:)Look into increasing my income
:)Look into student discounts
[STRIKE]Watch scrimpers program whilst having lunch [/STRIKE]Missed it today as I was busy sorting out some work.
:)Read Martin’s email
:)Look for knitting stuff and patterns
[STRIKE]Phone docs to make an appointment[/STRIKE] Got an appointment for Monday which is strange as I thought they would have been closed.

I think that is it for today. Hope everyone has a good Wednesday.

OrangeFairy

Morning all

Starnac - thanks - nice to be back
Sunshine - so sorry you are feeling down - sometimes it ishard to stay positive but you WILL get there xx

Today for me

Work until 3pm
Homework with the kids
Much needed housework
Decide what to have for tea - an impromtu game of scrabble with hubby last night wiped out any chance i had to do a meal plan! i won though
Kids - dinner from stores
Lunch from store - bagel with philly
Cups of tea at work
Send hubby a list of shopping to pick up
work out what we have spent so far on groceries
Arrange surveys products to be picked up
30 mins exercise - cross trainer probably
Look at campsitres
Read some of my book out in the sun - free activity

Thats it - i also need to arrange some ebay items but not sure i will have the time today

Have a fab day everyone xx

ziggy2407

Good Afternoon All

Sunshine - Thanks for starting us off, so sorry to hear you so down, stay strong you are doing great and we are all behind you. Cheering and supporting each other and definitely no judgment is the reason this is one of the beat threads on MSE .

Gorgeous day here again, havent really done much but I'm happy, have managed all the important stuff, my home is clean and tidy and we're all happy. I seem to be getting the hang of dealing with anything that pops through the letterbox straight away and its making a difference, just a small thing really but it makes a difference, no surprises and everything filed or actioned straight away. Today's list

Check Banks - Done (v tight again)
Check swapits - Done
Washing - Done & Line dried
Work (11.30 - 1.30) - Done
Filing - Done
Keep up to date with surveys - Done
Keep on top of emails - Done
Quick tidy round - Done
Update food tracker (34lb off) - in progress
Meals from stores - Done

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

C xx

PS Missing Perni, La E, Pixie, Yargo, Stitchy, Candy, Josie, Karb and all the other regulars - hope life is treating you all well :A