Tuesday 26th June - What small DFW things will you do today?!?

Wannabe01

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! :money:

Wannabe01

Good morning everyone. Hope nobody minds me starting off this morning.
Its looking like it’s going to be another lovely day once the sea mist clears. Despite the changes taking place this week I am feeling in a positive frame of mind after a dream that I had last night.

My list for today:
[STRIKE]Walk ds to and from school[/STRIKE]
[STRIKE]Check online banking[/STRIKE] Only half my money has now appeared
[STRIKE]Contact the bank again[/STRIKE]
:)Write a letter of complaint to the bank
[STRIKE]Collect up washing and do full loads and hang outside[/STRIKE]
[STRIKE]Catch up with emails[/STRIKE]
Check freebies thread
[STRIKE]Surveys and One Poll[/STRIKE]
[STRIKE]All meals from stores[/STRIKE]
[STRIKE]Try and retain a positive frame of mind[/STRIKE]
:)Water plants
Do some studying
:)Clean and tidy the kitchen
:)Clean and tidy the living room
[STRIKE]Trip to the DIY store for paint for dd’s room[/STRIKE] – use voucher
[STRIKE]Do website reviews[/STRIKE]
:)Contact debt recovery company regarding the money that I owe them and set up a monthly payment plan.

I think that is everything for today. Hope everyone has a good Tuesday x

mcjordi

put £5 in the provi book to pay ontop of the payment on friday sooner its gone the better insstead of spending it on sweets which is no good for my ever expanding waistline
check surveys
gonna cut grass if the weather holds out
hoover up
see what free stuff i can nab

determined_new_ms

morning thanks for starting us off wannabe, glad to hear you are feeling positive, ergh not feeling very well today...

Small things:

• [STRIKE]checked banking & cc statement - payments have now cleared[/STRIKE] (am going to try to not spend any cash on my cc this month...)
• all meals from stores opps bought some crisps and some veg
• stick to diet
• [STRIKE]check onepoll[/STRIKE]
• Mrs Flylady
• [STRIKE]hopefully get dd to sign paperwork so I can get my deposit back from the landlord[/STRIKE] [COLOR="rgb(255, 0, 255)"]just wait for the deposit now[/COLOR]
• [STRIKE]mince out of freezer for dinner[/STRIKE]

[COLOR="rgb(255, 0, 255)"]also
* joined swagbucks and earnt 168 SBs
* went and looked at a wardrobe for dd and haggled the price down by £20 :T[/COLOR]
think that's my lot - right now I'm not even sure I'm going to work... Hope everyone else is feeling better than I am... x

carrielovesfanta

Morning all!

Thanks to Wannabe for starting us off Sorry you are not well DNMS

I am very excited today because of my bumper pay packet.

I am also officially 52.43% debt free

So today is a case of lots of spending as have to pay bills etc, but at least I know there is some money there for it!

Have a good day all!

mummybearx

Morning all!

Slow at work today, so will be on swagbucks as long as possible!
Staff lunch today as we have customers in later
Dinner from stores (dh needs to get something out the freezer lol)
Check banking, see if a magical money fairy has deposited a few thousand for me :rotfl:
Check freebies, onepoll, maximiles
Help dh finish painting the hall when I get in from work, and start laying the new carpet
Walk the dog when I get in from work, I moan I cba but I love walking her, and she loves it too

x

Nottoobadyet

Thought I had posted on yesterdays thread but must have mucked it up somehow!

I'm with DNMS and feeling pretty rubbish - finally got the cold that has been infecting my household!

Voted for your super cute pup, La E.

Anyway, today:
- at work though feeling like poo. Will try to bust through everything as I'm travelling later this week
- try not to check my email every 5 minutes for news from last weeks interview :-/
- going to the Dr at lunch time so will need to pick up something to eat while out
- buying in some veg for tea
- night in watching the Wire - nearly through season 4, not sure what to do once its out of my life!
- drop passport photos at driving school

Just started watching the new Sherlock series from the beeb - making me very homesick for london

determined_new_ms

Nottoobadyet wrote: »

I'm with DNMS and feeling pretty rubbish - finally got the cold that has been infecting my household!

Anyway, today:
- at work though feeling like poo. Will try to bust through everything as I'm travelling later this week
- going to the Dr at lunch time so will need to pick up something to eat while out
- night in watching the Wire - nearly through season 4, not sure what to do once its out of my life!


Just started watching the new Sherlock series from the beeb - making me very homesick for london

you are a better woman than me NTBY! I decided to take the day off :undecided

I can whole heartedly recommend "Breaking Bad" - quite dark but hilarious. Also Jessy is quite easy on the eye

Also Prison break series 1-3 (4 just got awful!) again no hardship on the eyes there either! :T

determined_new_ms

carrie fantastic news! Good for you you are now winning the battle! I found once my debt got to a certain level it gained a momentum of its own and then got paid off really quickly

carrielovesfanta

Thanks DNMS, I do feel like it's taking on a life of its own now!

The first year, I barely paid off anything (am counting in years since we got married). Then I realised that I was trying to pay it off the whole time, but then spending again so I really curbed what I was spending. It also helped that OH went to uni so we had his student loan too.

I have a current dfd of July 2013 (and have just shaved a month off again)

My goal (which I am well ahead of now) is to be debt free by 30 (9th Dec 2013!)

determined_new_ms

carrielovesfanta wrote: »

Thanks DNMS, I do feel like it's taking on a life of its own now!

The first year, I barely paid off anything (am counting in years since we got married). Then I realised that I was trying to pay it off the whole time, but then spending again so I really curbed what I was spending. It also helped that OH went to uni so we had his student loan too.

I have a current dfd of July 2013 (and have just shaved a month off again)

My goal (which I am well ahead of now) is to be debt free by 30 (9th Dec 2013!)

ah ur a baby! I looked at ur stats and we had a similar amount of debt as well. You watch it'll be over before you know it x