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31.5.07 what small dfw thing will you do/have you done today?
Comments
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Hello,
Well after my LBM a long time ago and not really committing myself to sorting out my situation, I have had a reality check and so:
I have a packed lunch for work
I have activated my new barclaycard and transferred my debt from Virgin (on variable rate) to a life of balance rate - so super chuffed with that, I will also set up DD for it too so no payments are misssed
I have cut up my new BC!!!! YAY
Spend an hour deciding how I can reduce my debt - overdraft etc etc
Start a spending diary (again! as went off the rails a bit!!! Back on form now)
Good luck all!2009 is the year to get it cleared! Debt Free Date - February 2012
:TAchievements:
Started a Spending Diary!
Valued Opinions - £16.00
£2 coin collectors club - £2.000 -
Today i will -
* Try and have a NSD - this is my main aim for the day, because I am really bored and have got it in my mind I *need* to go shopping (even though I really don't) - will try and potter round the house to keep me entertained
xxMFW
[STRIKE]Mortgage 8.2.15 - [/STRIKE][STRIKE]£171,064.64[/STRIKE] Mortgage 1.5.2018 - £99,980.45Aiming to be MF 1.10.20200 -
Hi everyone - wishing everyone a great low-spend day today!
I was feeling quite anxious about money at the beginning of the week but feeling better today. Today / yesterday I have....
- Yesterday had a good chat with DH about our money situation and we agreed to have a very budget-conscious rest-of-the-month so that put my mind at rest.
- We went to Tesco and did the grocery shop for the rest of the week for £18.00!
- Today I have brought my lunch in from home for the 3rd day running so no spend on food
- Got paid today and not spent any of it yet!
- Checked online banking to check our relative position from last month and budget accordingly
- Pigsback / Ipoints etc.
- Got chicken out for dinner to defrost ready to cook so we don't have to spend any money on buying dinner.Fiona 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 -
Hey everybody -
Commuting on the bicycle
Packed my own lunch (avocado, hummous and tomato sarnie, plum yogurt with grapes)
Hot chocolate mix instead of buying coffee for a warm drink
Making a bhuna-ish sauce for tonight by frying onions in butter, adding a tin of basic chopped tomato and two large dollops of korma paste. Bought basmati rice and frozen prawns in bulk.
I think my wife's cravings are starting to kick in. Seems to be savouries, does that mean it's going to be a boy? I got all broody seeing the latest scans - he/she was waving at the scanner ...US student loan (2.48%): [STRIKE]$19,152.65[/STRIKE] $2700.19
Egg Money (£500 limit, 12.9%): paid off in full each month
Post Office Platinum (£3200 limit, 0% to Aug '10): £1544.70
Barclaycard Platinum (£2500 limit, 0% to Jan '11): £2106.25
Debt free by Oct 2012
DFW NERD #511 - PROUD TO BE DEALING WITH MY DEBT0 -
So far today i have
Washed 5 loads of washing all at 30 degrees. :j All apart from one load dried on the line. Last of it finishing off in the dryer as it started to rain after only half an hour on the line.
Made packed lunch for OH.
checked bank online.
NSD for us too.You can touch the dust but please don't write in it !
Would you like to speak to the man in charge, or the woman who knows whats happening?0 -
Hey everybody -
Commuting on the bicycle
Packed my own lunch (avocado, hummous and tomato sarnie, plum yogurt with grapes)
Hot chocolate mix instead of buying coffee for a warm drink
Making a bhuna-ish sauce for tonight by frying onions in butter, adding a tin of basic chopped tomato and two large dollops of korma paste. Bought basmati rice and frozen prawns in bulk.
I think my wife's cravings are starting to kick in. Seems to be savouries, does that mean it's going to be a boy? I got all broody seeing the latest scans - he/she was waving at the scanner ...
I have no idea if it means a boy, when iwas pg with my boys anythign would do so longs as it was food. When i was pg with my dd i ate salad until it come out of my ears. Will your missus be having a 3d scan or just the 2d ones?You can touch the dust but please don't write in it !
Would you like to speak to the man in charge, or the woman who knows whats happening?0 -
Hi all! A much brighter day today!

Today I plan to:
*[STRIKE]take drinks and snacks with me to Ikea so don't spend too much on food (budgeted lunch money already - day out planned for 3 weeks!! lol! [/STRIKE])Did this, but still managed to spend £7 on lunch for me and ds!!
*[STRIKE]getting a lift with ds to Ikea, thus saving on petrol![/STRIKE]Yep, was great
*[STRIKE]only taking £10 for the bits I need, therefore not being tempted to buy things I want!![/STRIKE]Did not leave card at home and spend close to £20
*[STRIKE]carry on washing and then hang clothes on air drier rather than tumble drier.[/STRIKE]yes, will hang it out in a mo.
*write dad a card, thanking for money and loveliness - not really mse, but he's helped me in mse/dfw ways recently so kind of!!
*ring lovefilm and cancel now I've sorted the lost DVD
*[STRIKE]do gfk tv survey, piggy clicks, freefivers and the usual. Check freebies board.[/STRIKE]All done bar freefivers which I'll do now.
* use the defrosting chicken to make cheapie chicken and cheese pasta bake for tea tonight.Will prepare shortly as am tired so I know I won't be bothered later!
*list tesco vouchers and till spit on ebay tonight while 5p listing day - see if there's anything else I can list.
*list 2 bags of newborn clothes on freecycle to get rid without wasting!
So a few more things left to do, and I wouldn't mind popping to the library to sort out the overdue and lost books (yes, I am ashamed
) CCCS DMP:Feb 07
Total:£37,016.47 now £0 DEBT FREE FEB 14
2022 Decluttering Campaign 49/10110 -
Made the first step towards reclaiming my bank charges. printed the letter off at work, and going to post it this afternooncurrent debt as at 10/01/11- £12500
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