Wednesday 20th March 2013 - What small DFW things will you do today ????

bt1

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:


Morning everyone :wave:

It's Wednesday! Hump day! Half way there!!

Quick list from me then I'm having a train nap!!!

• Checked bank and app - all ok
• Lunch from home and some extra snacks for college tonight
• Charge phone and iPad at work
• Stay in at lunch to avoid shops
• Read some of the study text during lunch
• Go to college 6-9
• Make lunch when I get home
• Get college stuff ready for tomorrow
• LSD - drink at college if I need it

starnac

Morning bt1. Thanks for starting us off.

My list today

[STRIKE]Check banks[/STRIKE]
[STRIKE]Daily clicks[/STRIKE]
[STRIKE]Heating on low if possible[/STRIKE] - me and DS here today
[STRIKE]Coffee morning[/STRIKE]
[STRIKE]Start organising craft cupboards at church[/STRIKE]
Make 2phone calls one done and not so bad as I thought it would be!
Tidy front room ready for visitors
[STRIKE]Do some photocopying ready for meeting tonight[/STRIKE]
[STRIKE]Meals from stores[/STRIKE]
[STRIKE]Take photo money and Easter bonnet to school with DD[/STRIKE]
[STRIKE]Put all expenses receipts together[/STRIKE]
[STRIKE]Spend quality time with DS [/STRIKE]:D

That'll do for me I think

Happy Wednesday everyone

The_Boss

No spend day
10 mile walk
Completing myfitness pal entries for today
Checking Equifax report with free trial
Watching The Young Ones dvd box set

Skywall

Excuse me, but what does 'DFW things' mean?

The_Boss

Skywall wrote: »

Excuse me, but what does 'DFW things' mean?

Debt free wannabe - the name of the forum.

Doesn't have to be things that directly cut spending (a mistake I once made). Can be indirect things too. An example in my case is the 10 mile walk, which means no spending for 3 hours and no need to have heating on in my flat while out, thus saving money.

josiebabie

Morning peeps

This is me today:
- Check banking (nothing has changed for days but always first thing I do!)
- Possibly have a purge sale opportunity meaning £2.50 commission
- Try to get my head around the new MOT rules/failures that come in today
- Netball match tonight, will take my own water
- B/L/D from stores
- Doc appt at lunch time, will walk there from work
- Do 1 x HC tonight
- Sort clean dry washing from airer
- Look for any uninvoiced labour to boost my target, looking pretty dismal
- OH e-mailed our stuff to mortgage broker last night, hopefully might hear if it's feasable or not today!
- Sparkle!

Jx

mummybearx

Gooood morning everyone!!

It's the final countdown! Dum dum dum dum, dum dum dum dum dum! :rotfl::j Last three days in work, cannot wait to not come back here again :T

In other news....

I wrote a meal plan last night :eek: Honest to god, a proper meal plan! DH is heading to Tesco after college to get 4 things. Planning on using up stuff in the cupboards and freezer, really need to get the freezer defrosted.

Need to do swagbucks, onepoll, check competitions and freebies.
Need to read Martin's email.
Need to call surveyor and get costs for me buying and my dad selling his house.
Carry on gutting the house with DH, we are trying to do an hour each night during the week. Need to make progress!!
Check bank, make sure I still have money left lol

That's about it for today I think!

Have a good day y'all! x

lulabelle

although I had a NSD yesterday and expect the same today, I received a massive gas bill yesterday! I already pay £91 a month by direct debit and I thought it would be ok as I didn't get a bill (as in over what I paid pcm) last year but of course forgot, that winter wasn't as cold last year so have had the heating on much more this year. It's only £80 over and so owe that but it was a shock nevertheless. I can't even change provider as I live on an Island and we have 1 provider only! So, am turning heating right off now!

Other than that, making a sandwich for lunch from stores (and from bread I froze which haven't done in ages - normally just leave it sitting on the side and it goes mouldy and then thrown away) and have got chicken (from reduced section) out freezer to do a chicken and cashew nut stir fry for tea tonight (have all ingredients already) which I can then take for lunch tomorrow or have another sandwich tomorrow and have the stir fry tomorrow night.

Yay - wednesday! Almost halfway through the week and end in sight!

lauradora

Good morning everyone!!

Todays list

[STRIKE]Go to bootcamp using monthly pass
Made money on 2013 challenge
post a book I sold[/STRIKE]
Go to turkish bath using gym pass
Get some housework done!
Make a stew that will last a couple of days
Get low spend shopping from lidl
will try and get to library for a free read
[STRIKE]want a new gym bag so may trail round a few charity shops
checked banking, all ok
checked e bay, going so so[/STRIKE]
never did find a gym bag, I have resolved to be MSE and use a tesco Jute bag instead :A

Think that should fill my day up!!

Have a good one everyone xxx

bmma

organizing food cupboards
finishing crochet blanket

MinnieMousesMummy

Good morning everyone, Its a very dull day here today weather wise but I'm feeling more positive as I had a call from DH last night and he wants us to try again and work things out :j Following the call I have decided to keep myself busy for the rest of this week as we are having a meeting at the weekend.

My list for today:

• [STRIKE]Quick shower, Get kids up and organised[/STRIKE]
• [STRIKE]Make pack lunch for ds[/STRIKE]
• [STRIKE]Take dd to baby group[/STRIKE]
• [STRIKE]Check bank[/STRIKE] Not looking too good but all DD's are now for the month apart from 3 due next week.
• [STRIKE]All meals from stores[/STRIKE]
• Do at least 2 hours studying tonight, as I have a lot to catch up with and I didn't do any yesterday
• [STRIKE]School runs[/STRIKE]
• [STRIKE]Surveys (remember to check one poll)[/STRIKE]
• [STRIKE]Swagbucks, Swapits, Topcashback[/STRIKE]
• Sort work boxes and organise paperwork
• [STRIKE]Catch up with emails[/STRIKE]
• [STRIKE]Check postcode lottery[/STRIKE]
• [STRIKE]Do work that is in for today [/STRIKE]Most of it has been done and the rest has been moved to list for tomorrow
• Laundry - full loads, empty TD, [STRIKE]check airer and move to the ironing pile[/STRIKE]
• [STRIKE]Check gas/electric meters and get top up if required[/STRIKE]Saved money as I didn't have to top them up
• Get kids bathed and into bed at a reasonable time - saving money on electric as ds will not have his tv on to late
• [STRIKE]Help ds with his homework[/STRIKE]
• [STRIKE]Do some of the ironing pile and put clothes away[/STRIKE]
• Spend 15 minutes on slow cooker recipes
• [STRIKE]Sort list, bags and clothes for Thursday[/STRIKE]
• Spend 15 minutes decluttering the bedroom
• Sort through one bag of paperwork - I currently have 5 bags to wade through