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29.5.07 what small DFW thing will you do/have you done today?
hypno06
Posts: 32,296 Forumite
Hello lovely DFWers. :hello:
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.
Examples could be charging your phone up at work instead of at home to save your electricity, hanging the 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.
Today I will:
- send everyone to their various activities/work with pack ups
- do piggy clicks
- go to the bank to pay in tutoring fees :j
- do a matched bet, and update totals
- not increase my debt any more than is absolutely necessary (got to pay holiday activity fees :mad: )
- be positve
- apply for mortgage exit fee refund from Nationwide
Have a fab day everyone xx
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.
Examples could be charging your phone up at work instead of at home to save your electricity, hanging the 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.
Today I will:
- send everyone to their various activities/work with pack ups
- do piggy clicks
- go to the bank to pay in tutoring fees :j
- do a matched bet, and update totals
- not increase my debt any more than is absolutely necessary (got to pay holiday activity fees :mad: )
- be positve
- apply for mortgage exit fee refund from Nationwide
Have a fab day everyone xx
Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
Life begins at the end of your comfort zone (Neale Donald Walsch)
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Comments
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Good morning Hypno and all who follow, It's pay day tomorrow and whirring around my head today is how to pay off the Argos card - I will do it!
Today however I'm have a girly day shopping with my daughter (using my piggy vouchers and some M&S vouchers I've got left from Christmas).
I'm also going to/have done
- checked onling banking
- piggy clicks and comps
- post some letters to Black Horse and Mint regarding some charges to reclaim
- not increase my debt any further
Hope you all have a good day x0 -
Today I'm:
- taking leftovers from last night for my lunch so not spending money there
- get paid tomorrow but planning to have a low-spend week this week to make money go further!
- piggy clicks / ipoints etc.
- will be positive!
- DH has done 40hours overtime this month so planning to pay off small credit card balance with that at the end of the month....
Good luck everyone for a good weekFiona xx
:easter_ba
Proud to be dealing with our debts
Lightbulb moment - September 2006.
Got organised, got a joint account, stopped overspending.
Debt free date: December 2009 - we can do it!
# IA's Lose the belly, bum (and the debt) challenge 2008
Halve our debt in 2008 / Pay off the rest in 2009
Goals by July 2008:
* Former employer overpayment with £1,800 remaining...
* 0% Virgin Credit card with £1,800 (we needed a holiday...!)0 -
Morning All
Short list again but at least its something.
- taking kids to theme park - free courtesy of Mr T
- piggy clicks
- sorting more stuff for ebay.0 -
1. Leftovers from last night's dinner are about to go in the microwave for today's lunch.
2. Have also started sorting through my stocks of wool, to decide what can be used for making my winter cardies & jumpers.
3. When I can face the ladder, I'm going to get on it & start some decorating - no way am I paying someone the £400 they quoted me to do my lounge & hall.BSC #53 - "Never mistake activity for achievement."
Consumer Credit Counselling Service (CCCS)| National Debtline| Business Debtline| Find your local CAB0 -
I'm having a good day as I have/will:
- done piggy clicks & comps & recommended to some friends (for hopefully a 500 point bonus!)
- got my payslip & started working out June's budget
- didn't have time for breakfast, but instead of buying some ate jammy dodgers instead in the office (not so good for being a fat-free wanabee though :rolleyes:)
- got a Trivial Pursuit set off freecycle for hours of DFW fun at home
- fingers crossed I also get a set of curtains from freecycle
- charged my mobile phone at work
- arranged to borrow a backpack for going to IoW festival rather than buying one
- I will list at least 5 items on Ebay/green metropolis tonight
Phew, quite a list from me today!Total Debt 13th Sept 2006 (exc student loan): £6240.06 :eek:
O/D 1 [strike]£1250 [/strike]O/D 2 [strike]£100[/strike] Next a/c [strike]£313.55[/strike]@ 26.49% Mum [strike]£130[/strike] HSBC [strike]£4446.51[/strike]@15.75%[STRIKE]M&S £580.15@ 4.9%[/STRIKE]
Total Debt 30th April 2008: £0 100% paid off!
PROUD TO [STRIKE]BE DEALING [/STRIKE] HAVE DEALT WITH MY DEBT
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Afternoon people
Today I:
* got the bus to work
* got dad to pick me up from work
* hung some washing outside
* am using some of those lovely bella pasta vouchers out tonight with some mates... and they are picking me up and taking me home again!
:heartpuls CG :heartpulsEver wonder about those people who spend £2 apiece on those little bottles of Evian water? Try spelling Evian backward.0 -
* Using pre-pay tickets for Park n Ride
* eating my packed lunch
* Searching freebies board to make a useful box for when boyf and I move in together
* Bought slave cylinder for my car from eBay so boyf can fix it at the weekend (if it's dry!)
* Need to find car part to list on eBay tonight - can't find it anywhere!0 -
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Hi everyone!
Today I've:
*Finally got round to asking HSBC credit card to transfer the £5 credit to my bank account and used the bank's phone rather than mine!
*Cancelled mobile phone contract and have gone PAYG
*Done some pigsback clicking for me and DH
*Had a no spend day - 3rd day on the trot!Official DFW Nerd Club #20 :cool: Proud To Be Dealing With My Debts
DFW Long Hauler #109 
Slowly, Slowly = Oct '09: £30693, Aug '15: £14820. Could Be Debt Free April 2020, but hoping for sooner!0 -
listed 5 more items on Amazon - worth £40ish hopefully - I find this so much easier than Ebay - no need for photos etc - all proceeds to the £606 House of Fraser potDebt at LBM: £18,001
Nationwide cc £8,562 now £4,965 M&S cc £1,884 now £2,695 HoF £694 now £0
NW loan £3,861 now £0 OD £3,000 now £0
Debt at 19 February 2010 £7,6600
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