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Monday 17th September - What Debt Free Wannabee Things will you be Doing Today?

Monday 17th - What Debt Free Wannabee Things Will You Be Doing 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 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.
debt total £71k AGE 47 TRY TO BE DEBT FREE BY 50
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Comments

  • Good Morning

    Sorry ive been MIA a lot
    thing at work have been wild but iam now up todate

    changes DD has left school and got a college place miles away
    so today we are going by bus to find it

    so my dfw today is
    re do budget to cover new travel cost for DD
    check banking
    check petrol
    re do travel costs
    meals from stores
    wash on
    and fight the dirty gems feeling yuck again
    and a little sleep iam back on nights

    better go and get the bus lol

    c u soon xxxx
    debt total £71k AGE 47 TRY TO BE DEBT FREE BY 50
  • Good Morning,

    Considering i've been at work since 8pm last night, first and foremost will be sleeping lol! Then will be eagerly going through todays post (im waiting for a lot of CCA's :p)

    Hope you have a great day ;)
    Ross
    Its easier to make decisions in life, than it is to live with them.
    Remember the night is always darkest before the dawn!
  • ziggy2407
    ziggy2407 Posts: 4,106 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 17 September 2012 at 7:39PM
    Good Morning All

    LPP - Thanks for starting us off this morning,

    Hi to all the regulars :wave: and welcome to any newbies (you've joined a great supportive thread)

    Well, didnt manage a great deal yesterday apaprt from the weekly shop and watching a DVD with OH, then ended up back inbed for the afternoon again - couldnt get warm, headachey, aching all over and pain between shoulders.
    Today I will:

    Hang Washing out - Done
    Ironing - 50% done
    Check Banks - Done
    Check swapits - Done
    Work (11.30 - 1.30) - Done
    Bake -
    Keep up to date on Emails -
    Keep up to date on surveys -
    Quick tidy round - Done
    Meals from stores - Done
    Food Tracker - in progress (36lbs off so far)
    Read (library book - Kathy Reichs) - in progress
    Comps -
    Hope Freecyclers turn up - Done

    Hope you all have a great day, love and best wishes to you all

    C x
    Goodreads 2025 Challenge :16/75
    Goodreads 2024 Challenge: 65/80
    Goodreads 2023 Challenge: 77/52


  • Morning guys. I'm very early today but need to stay focused

    Today I have:
    Checked bank - t&s claim has been paid in
    Made PAD with above payment
    Washing at 30 with extra spin to help dry it off
    Package online shopping return
    Package eb parcels

    At some point today I plan to:
    List eb items
    Post office with parcels
    Call bank re switching banks
    Complete meal planner
    Buy tickets for London eye online for discount


    I had a very splurgy weekend - I bought a pair of uggs in the sale £80 off but I know I'll wear them lots so I'm very happy with them.
    I'm returning my asos things today since I bought these so not too bad :P
    Official DFW nerd no 551 - proud to be dealing with my debts
    Debts as of March 2014
    Nationwide - £5745, Overdraft - £350,
    Debts as of January 2015
    Nationwide - £4997, Overdraft - £0:j
  • Hi everyone :wave:

    New week… Here we go…
    • Need to post the book I sold - annoyingly doesn't fit into C4 envelope…
    • Bought weekly bus ticket that both OH and I can use - I'll use it every day and he can use it 2 nights
    • Leftovers for tea tonight
    • Finish off a bit of knitting
    • Signed up for more mystery shopping
    • Waited till I got to work for a tea - no coffees at £2.50 a pop pour moi :cool:
    • Crisps from multipack instead of paying 55p a pop from machine :p
    • Yoga tonight - keeping me on the straight and narrow ;)
    Hope you feel better soon Ziggy :grouphug: Lots of vit C and rest for you methinks :)
  • sibles
    sibles Posts: 234 Forumite
    Morning all,
    Happy monday, just finished reading the weekend thread, sounds like you mostly had good weekends, mine was mixed, we had a family wedding (sort of) but my parents didn't make it (sickness) so it was a bit up and down. On the plus side, OH and I both can tell we've lost weight in the pics! Are very proud!!
    ziggy - sorry you don't sound well
    lots of love all round to everyone.

    today I have/will:
    - clicks and searches
    - write down spends
    - LSD if possible (do need to get a couple of bits)
    - log calories
    - get early night (need to get 6.25 train in the morning!)
    - all meals from stores
    - check banking
    - check on auction ending in a couple of days
    - print xmas list so I know what I need to get and what I've already got

    Have a good day everyone
    xxx
    Clicking, searching and surveying my way to a life of debt freedom!
    Debt Free 27th Nov 2012
    Weight Loss so far: [STRIKE]12lb[/STRIKE][STRIKE]13lb[/STRIKE][STRIKE]15lb[/STRIKE][STRIKE]16lb[/STRIKE] 17lb
  • Morning all. I didn’t get chance to do a weekend post as it was fairly manic with visitors and chores. I did find time to make my Christmas cake from a MrS kit I bought at a very reduced price last December.

    My DFW list for today so far:
    · Breakfast from stores
    · Fed and watered the chickens and asked for three eggs today – they’re getting lazy and I have customers waiting!! :o
    · Used motorbike for work as cheaper than the car
    · Checked for surveys
    · Made packed lunch for work
    · Just about managed to walk past the bakery even though I already had £1.05 in my hand for an almond croissant :D

    I will also:
    · Drink coffee/water at work
    · Keep an eye on surveys
    · Knit at lunchtime to avoid the shops
    · ‘Bottom of fridge’ soup and fresh rolls for tea tonight
    · Teach neighbour baby massage in exchange for HM banana loaf
    · Have an NSD - number 14 this month!!

    Have a great day folks
    stitchy x
    Making magic with fabric
    Light travels faster than sound. This is why some people appear bright until you hear them speak.
  • Morning all

    Sorry been moving and crazily trying to get things like hot water and internet to work - mostly we're on the case now!

    Today -
    Check bank
    Move some money to cc if I can
    Chase old house deposit (again)
    Collect post
    HM tea - not sure what yet.....but we do have lots of spuds
    Pick some grow your own veggies
    Text landlady about a meet up to talk through a few niggly bits
    Ask neighbour about putting up bird table at the edge of their fence
    put some stuff to the dump which can't be recycled
    Take some stuff to charity shop
    Walk dog with chum for free exercise and catch ups all round
    Check diary for the week and combine some journeys
    Check up on new job (part time) and find out when I start :)

    Thats it for me - hope you're all good and lovely :)

    Have a great day!
    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:
  • Thanks for starting us, LPP

    Sorry that you're feeling rubbish, Zigs

    I've downloaded that app, WW, wish me luck! Will start using it tomorrow. Annoyingly they dont have Uganda on their list of locations, if only they knew how much diet and exercise advice people need here!

    I had a pretty pricey weekend -I had to buy a new smartphone as my work blackberry got stolen and I needed to pay for the replacement, so I got the cheapest android I could find. I bought a rather extravagant sideboard for the kitchen, used for about £50 (we desperately needed more cabinet and counter top space) and we had a load of friends over for brunch on Sunday to welcome my new roommie. Had a massive and amazing night out on Saturday with OH and some friends - its been too long since I've been dancing until 4! At least that was cheap as I was driving so just had water all night.

    loving my new, super cheap gym - very energetic and friendly, and feeling comfortably sore today.

    V stressful week trying to finish on a big activity at work. Anyway will try to remain frugal and healthy if I can.

    - meal plan for week as neglected it last week
    - motorbike everywhere
    - book flights for hols in October (not very MSE but needs to be done)
    - work like a crazy person to keep ahead of insane deadlines
    - l/o fruit salad for breakfast
    - lunch provided by work
    - make a food shopping list for week
    - scan and send back letter so I can finally get paid for consulting work done back in July (!!)
    - gym tonight again if I'm not feeling yesterday too badly
    - tea from plan and cooked at home

    Hugs to all
    Mortgage free by 30:eek:: £28,000/£100,000
    :DDebt free as of 1 October, 2010:D
    Taking my frugal life on the road!
  • determined_new_ms
    determined_new_ms Posts: 7,867 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 17 September 2012 at 9:17PM
    Morning guys! Thanks for starting us off LPP!

    Happy moving pippi! We're going to join the madness that is moving soon - really need to make a list of all the things we will need to do and start throwing away/packing things not needed (so much more exciting to be dreaming about kitchens though!)

    Stitchy wow impressive self control there! I have just had to put my colleagues choc covered nuts away before I eat any more (opps a handfull fell into my mouth!)

    things for the day:
    * [STRIKE]all meals from (friend's) stores[/STRIKE]
    * [STRIKE]NSD [/STRIKE](thanks for the inspiration Stitchy!)
    * [STRIKE]going for a walk during lunch break[/STRIKE]
    * check onepoll
    * go for run after work left myt trainers at work so went for a walk with the dogs instead
    * [STRIKE]got lift in with oh so we only have 1 load of petrol each [/STRIKE](its longer from my friend's house), will stay at work for 20mins later as well!
    * [STRIKE]free coffee & water at work[/STRIKE]
    * st[STRIKE]art list of things we need to do for move[/STRIKE]
    * [STRIKE]walking dogs this evening for free entertainment[/STRIKE]
    * early night and book for me today
    * [STRIKE]continue to not smoke[/STRIKE] :j
    * [STRIKE]cancelled WW and joined myfitnesspal.co.uk - thanks WW![/STRIKE]

    Think that's my lot for today x
    DF as at 30/12/16
    Wombling 2025: £87.12
    NSD March: YTD: 35
    Grocery spend challenge March £253.38/£285 £20/£70 Eating out
    GC annual £449.80/£4500
    Eating out budget: £55/£420
    Extra cash earned 2025: £195
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