Monday 8th April - 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:

Fell off the MSE wagon last week so I'm back on a mission! It all went downhill after my dentist appt, I thought I was paying £18 but had to pay £50... Then I went on a spending spree after :-/

So this week I'm going for a 'NO SPEND MONDAY TO FRIDAY".

List for today:

• Check bank (slightly terrified about doing this!)
• Add all transactions to app
• Transfer money used for SIL birthday present from savings (I put away a bit each month for birthdays/Xmas)
• Lunch from home - pasta
• Snacks from home to keep me out of sweet shop
• Taken all change out of purse so not tempted
• Drink lots of water
• NSD
• Try to do a bit of studying tonight
• Make lunch for tomorrow

Sazdaz

Morning all.

Been missing for a while as been looking after an unwell grandparent which has thrown my life upside down for the last month. On a good note when I have been doing their shopping they have been paying for my little bits I need, have eaten with them alot etc.

So back on it now and want to get sorted as looks like my love life is on the up so need to start looking to the future.

Today I will:

- Do my nurse shift this morning
- Pay the mortgage
- Send out March Invoices
- Work out Grocery budget, NSD etc
- Clear out spare room ready for student check. Have a lot of boxes so going to pack up everything I don want, and do bootfair in next few weeks.
- Work my way through the ironing pile whilst packing up what no longer fits me, the stress of last few weeks meant I hit my SW target.
- Get up to date on swagbucks, order my voucher, transfer Mystery Shop money and complete all surveys.
- Do a new SOA and see if I can cut anything else or pay more on others.

Right a lot to do today so off I go.

katy_ann

Morning bt1 Thanks for setting us off today! We all fall off the wagon sometimes so not to worry and back on we climb!

My list for today;

• Work 9-6 (Includes 1 hour overtime)
• Go to a friends after work (free entertainment!)
• Said friend above is trying to set me up on a date with his house mate! Better dress to impress!
• B/L/D from stores
• NSD

Have a good Monday all! x

The_Boss

The main thing is collecting my car from Halford's Autocentre and getting quotes from local garages to carry out the work that needs to be done. I'm going to order the parts myself so I know I am getting good parts and a saving in labour.

Candy0107

Good morning folks

Thanks to bt for starting the thread and hello to everyone :j

I am on the second day of my bargain break in liverpool ..... Cheap travelodge room, parking in a council car park and hired an economic car for the trip up here.

Today I have/will:

• Showered using bargain beauty products (had a trip to 99p store before driving up here)
• Meals out but will be going for offers
• Charging mobile while I am here
• Walk as much as we can
• Visit as many free museums as I can
• Hope to go to the cavern and write our names
• Have a laugh with friends and family

Think that's today's lot

Take care all
Candy xxx

AGirlWrites

Good Morning,

Today I am :-

- Working 9-5
- Not spending any money (other than budgeted food shop)
- Going food shopping, sticking to the items on my list ONLY!
- Making Shepherd's Pie for dinner and leftovers for lunch tomorrow
- Trying to decide if Dark Skies at the cinema is worth missing the football for, at the moment i'm still in the football camp! Haha!

Have a great day all!

josiebabie

Morning all

Not a lot for me today, but every little helps!
- Checked banking (as expected)
- Packed lunch from stores
- Breakfast was a cheapo home made porridge pot
- Netball training tonight, will get a lift with my car sharing buddy and take my own drink
- Left my purse at home so no extra spending!
- Check if bill for 0% CC has come in yet so I can complete my budget for Apr-May
- Check conveyencing for update
- Sparkle!

That's all but it should be enough to keep me out of trouble.

Jx

MinnieMousesMummy

Good morning everyone from a sunny Scotland.
Bt1 - Thanks for kicking the thread off this morning.

My list for today:

• [STRIKE]Catch up with emails[/STRIKE]
• [STRIKE]Quick shower and get the kids organised[/STRIKE]
• [STRIKE]Childminder runs[/STRIKE]
• [STRIKE]All meals from stores - hm lemon chicken (sc)[/STRIKE]
• Plant some of the vegetable and herb seeds
• [STRIKE]Tidy out the greenhouse[/STRIKE]
• [STRIKE]Laundry - do full loads, empty TD, check airer and move to the ironing pile[/STRIKE]Managed to get 2 loads outside and dried today and then ironed and put away tonight :j
• [STRIKE]Declutter and flylady[/STRIKE]
• [STRIKE]Surveys (remember to check one poll and pure profile)[/STRIKE]
• [STRIKE]Check bank and pay some money off one of my debts[/STRIKE]
• [STRIKE]Do some of the ironing pile and put clothes away[/STRIKE]
• Spend 30 minutes sorting recipes
• [STRIKE]Swagbucks, Swapits, Topcashback, Postcode lottery, Birthday bingo, Nectar Adpoints[/STRIKE]
• [STRIKE]Put out some Avon books[/STRIKE]
• [STRIKE]Work 2pm-5pm[/STRIKE]
• Do some course work
• [STRIKE]Catch up with challenge thread on this forum[/STRIKE]

I think that is everything that I need to get done today, looks like a busy day so I best make a start. Hope everyone has a good Monday x

PurpleFairy26

morning all

list for today:

washing on, dry outside
call healthcare provider through work and book physio for husband - funded by work
dig out reuseable nappies for DD and start using them
meals from stores, friend over for dinner, making planned meal stretch rather than buying anything else
pop in to town and open BS account for DD
check banking :eek:
try and dig out details of OH business loan and see if we can pay it off early with money saved

think that's about all - have a good day everyone:j

*Mari*

Morning all, thank you bt1 for starting the thread.

So today I will:

• Enjoy last day at home!
• Washing online to dry, will iron and put away later
• Quick shower
• Hoover through, dust and wash floors
• B and D from stores lunch at friends
• NSD
• Check bank - no change
• Go for walk or run later
• Get stuff ready for DS to go back to school tomorrow!

Have a great day everyone

lantanna

Uuugh no such no spend day for me! Joining Slimming World tonight, will need to go to Asda after to get fresh fruit and veg.................Also need to get petrol
Tues, weds, thurs, saturday & sunday will be my no spend days this week.