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29.6.07 what small dfw/mse thing will you do or have you done today?
hypno06
Posts: 32,296 Forumite
Hello lovely DFWers - old timers and newbies. It's Friday :j
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 be:
- sending everyone off with packed lunches
- doing end of month banking/shuffling around/panicking!!
- updating spreadsheet for July
- doing a couple of small matched bets
- making storecupboard meal
- not increasing my debt in any way
- be positive!!
- doing quidco clicks
Have a good 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 be:
- sending everyone off with packed lunches
- doing end of month banking/shuffling around/panicking!!
- updating spreadsheet for July
- doing a couple of small matched bets
- making storecupboard meal
- not increasing my debt in any way
- be positive!!
- doing quidco clicks
Have a good 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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Morning hypno!
Here goes...
1. LBA letter for CC 2 (Mint); need to tweak the letter in response to their offer (i.e. I want all my money back!). Yes I have remembered there is a postal strike, but at least it's out of the house then.
2. Do my expenses before going on hols
3. Be Positive!
Have a good one y'all!Official DFW Nerd Club - Member no. 208 - Proud To Have Dealt With My Debts DEBT FREE DECEMBER 2008!!!0 -
Morning hypno, morning all.
Today, the only thing I'll be doing is my finance practice this morning - a relaxation tape and focussed awareness. Then I'll be taking my book with me to London, will have to leave really early in case more delays get caused by the bomb alert - so I'll probably have loads of time to study the book. Ah well, at least it will help me focus, and I won't be mucking around on the form!
Have a good day everyone....2023: the year I get to buy a car0 -
Morning!
Today I will:
Not add to my debt in any way.
Have a leftover's meal tonight.
go to the supermarket and only get the paracetamol I am in need of (16p)
Keep spending as low as possible.
Take my own food/drink to the concert tonight so I don't pay for expensive items!!
Keep it low everyone xCurrent debt - £16,300
Debt at worst 17/03/2011 - £18,067.62:eek::eek::ANot going anywhere else, ever again :A0 -
Morning everyone!
Today I have/will:
-take a packed lunch to work
-send off my second letter trying to reclaim my Lloyds charges (480 pounds)
-have a NSD
-do my piggy comps
-enter some more comps
-get my car filled up on OHs fuel card as its been his hire car
Hopefully will think of a few more things to do too.
Have a wonderful Friday everyone!Debt Free - done
Mortgage Free - done
Building up the pension pot0 -
Hi everyone,
First time posting on this thread.... here goes.
Pay in cheque returned from First Direct re reclaim bank charges
Everyone had packed lunches for work
Send off cheque for council tax arrears (Abbey accidentally cancelled my dd)
Send off cheque for balance of holiday.
Prepare some more initial letters re reclaim bank charges (HSBC, Egg card, Debenhams card)
Sort out Pigsback so I can get clicks
Apply for more freebies online
Do 5 more competitions
Make HM cookies
Do next weeks shopping list and menu planLBM 10 JUNE 07June 07 - £68K May 08 apx £57K MORTGAGE £212KJune Grocery Challenge - Budget £445 Actual £17.40PROUD TO BE DEALING WITH MY DEBTS0 -
* Have packed lunch
* Paid in eBay chq
* Will dig out some more things to eBay tonight
* Have done budget for July and paid rent and CC bill by bank transfer
* Done some piggy comps
* Will sign up with another MS company to raise more money
C xx0 -
I've brought a packed lunchto work (and eaten it) to prevent myself from going to the deli up the road to have a coffee and a cake because its friday also spent my time on here so their will be no time left to just pop out for a friday treat.Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family0 -
Try not to spend much at the school fair tonight. That's a tough one as they are fundraising for playground equipment, but I have donated loads of stuff they can sell to make up for it!Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS0 -
Evening
Today I:
*went to work at 2nd job all day
* ate lunch there for free
* remembered to claim my expenses back (albeit £3.30)
* used my pre-pay prescription card for items from the chemist
* got a lift home from work
* got paid and have got a wee bit sat in the bank... til Monday and all dds get taken!
* used free texts and mins to contact those that needed to be contacted!
:heartpuls CG :heartpulsEver wonder about those people who spend £2 apiece on those little bottles of Evian water? Try spelling Evian backward.0 -
Went down to the beach to fly kites with kids and watched the kite surfers. Really windy out but great fun and free.Debt: 16/04/2007:TOTAL DEBT [strike]£92727.75[/strike] £49395.47:eek: :eek: :eek: £43332.28 repaid 100.77% of £43000 target.MFiT T2: Debt [STRIKE]£52856.59[/STRIKE] £6316.14 £46540.45 repaid 101.17% of £46000 target.2013 Target: completely clear my [STRIKE]£6316.14[/STRIKE] £0 mortgage debt. £6316.14 100% repaid.0
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