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Wednesday 4th June - What small DFW things will you do today?
mooomin
Posts: 13,703 Forumite
When we start out on the Debt-Free Wannabe 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. :money:
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. :money:
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Comments
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Morning all

Today's list from me is:- [STRIKE]Banking[/STRIKE]
- [STRIKE]Charge phone at work[/STRIKE]
- [STRIKE]Packed lunch[/STRIKE]
- [STRIKE]Dinner from stores - slow-cooked chilli
[/STRIKE] Bubbling away nicely - Walk to nearby theatre to pick up their Fringe programme to save the £3.50 postage cost
- Walk at least four miles
- [STRIKE]Check Adpoints[/STRIKE] Up to 34 for the week and my Nectar balance is finally over £30

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Another NSD
Dinner from the freezer
Sort out some more stuff to car boot on Sun
That's my list for today. HBFeb 2014 to now
Unsecured debt at highest £56,511/now £9,328 83% paid.
Mortgage £85,342/now £28,846 66% paid
2018 overpayment total - £5,500
Mortgage and debt free by August 20200 -
Morning everyone.
Hope everyone is well.
Today's little list:
* all meals from stores
* go to job 1 and 2
* all surveys available
* Swagbucking
* use montly bus pass
* look in charity shops for a dress to wear to a wedding. I refuse to pay between £65 and £100 for a dress :eek:
* look for ys at work tonight.
Have a good day allSavings for H2B Loan Annual £10, 774.65/£40,000Emergency Fund: £0/£1000 Car Maintenance Fund £0/£900
Mortgage:October. 2013: £87,264 Sept ‘19 £72,812.650 -
Morning :wave: thanks for starting us off moomin!
Hi Historybuff :wave: I just checked out your thread from the weekly newsletter
Things for today:
* bath & wash hair, have important meeting later
* work from home in morning
* start job application. Must get better at these! I seem to be continually doing them like crazy at the last minute
* all meals from stores
* fish out of freezer for fish pie tonight
* check onepoll
* text friend who hasn't replied re a being a character reference
* decorating tonight
* load of washing & hang on heated dryer
* do a job search
* read Martin's newsletter
* check banking & cc statement
* pay x2 cc payments
Think that's my lot for today. Happy hump day everyone xDF as at 30/12/16
Wombling 2026: £25.70
Grocery spend challenge Feb £285.11/£250
GC annual £389.25/£2700
Eating out budget: £ 48.87/£300
Extra cash earned 2026: £1850 -
Good Morning All
moomin - Thanks for starting us off
Hi to all of the regulars and a BIG welcome to all the newbies, this is a really FAB thread with so many lovely, caring, considerate and supportive people.
Planning a quiet day as having real trouble shaking off this viral infection (had 4 weeks now), physio cancelled due to them not having enough staff to the ratio of patients
. My list:
Check Banks - Done
Check swapits - Done
Packed lunch for DH & DS - Done
All meals from cupboards/freezer - Done
Bake - Apple & oat tray bake (again)
Filing & Shredding -
Clear emails (& unsubscribe any no longer wanted) -
Knit - Done a bit (making a pouffe for sons room - £110 in n*xt)
Enter a few comps - Done a couple
Read book from stash - In progress
Check www.freepostcodelottery.com - Done
Have a great day, love you all xx
C xxGoodreads 2025 Challenge :16/75
Goodreads 2024 Challenge: 65/80
Goodreads 2023 Challenge: 77/520 -
I just picked up a voicemail from HR for the application I submitted on Monday. Need to call back this morning, but am assuming it's an invite to interview...DF as at 30/12/16
Wombling 2026: £25.70
Grocery spend challenge Feb £285.11/£250
GC annual £389.25/£2700
Eating out budget: £ 48.87/£300
Extra cash earned 2026: £1850 -
Ooh good luck
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Morning everyone!
I am at home as have GP apt at 10.20 (chest sounds like an old boiler). My two colleagues who work in next door offices have both been diagnosed with bronchitis and put on antibiotics. It sounds like a dog kennels down our corridor with all the barking!
So I'm not sure what my list is today. I'll need to spend some money on a prescription and some more ibruprofen/paracetamol/lozenges (which are keeping me going).
If I feel well enough later I should go to work but I also really need to do some cooking (pasta sauce and soups to use up veg and maybe some more bread).
I may just rest and get son 1 to cook (he is in the bad books for raiding his savings again - he only got paid 10 days ago!).
Hope you got an interview DNMS and good luck for later.
x0 -
Hi Everyone,
I haven't been on here for a little while as I've just been manically busy with one thing and another - so I hope to get back into the swing of things
- I overslept this morning and woke up at 8.50am :eek: I'm suffering from really bad insomnia at the minute so am having trouble waking up after I eventually get to sleep. Ooopsie! Thankfully work are understanding
- LSD today (bought a jar of coffee this morning)
- All meals from stores
- Updated my signature, I'm over the 50% paid off mark :j
- Surveys still to do - I've slipped with these recently
- Free postcode lottery done - the postcode today is just down the road from me!
- Email dissertation tutor with a couple of draft chapters
- Put a wash on when I get home after work. I usually set the wash to come on through the day but I didn't have time this morning...
- My TV is on it's way out and my friend has kindly lent me a nice little flat screen to use until I can save up for another. Snazzy! I picked it up last night so can set it up tonight
Have a great day everyone
02 0% £719.20 £434.48
Creation 1 0% £1,829.88 £1,035.81
Creation 2 0% £604.80 £436.80
Car Finance 10.9% £17,163.84 £357.58
Credit Card 24.9% £815.94 £0
Total £21,133.66 £2,264.67
Mortgage £128,560 £113,978
Emergency Fund £1
Debt-Free Wannabe Diary0 -
Good afternoon everyone,
Moomin - Thanks for starting us off today.
My list for today:
Attend college (got to do an assessment and get the results of one done yesterday)DONE
House sitDONE
Sort Avon books ready for going out
Look into getting a new mobile (the screen in my current one is damaged)
Check bankDONE
Do washing and ironing for clients
Do work on my website
Do accounts work that is required
Schedule new work that has come inDONE
Do some revision for assessment that I have on FridayDONE
Sort out paperwork for school competitionDONE
Sort out birthday presents for dd
All meals from storesDONE
I think that is everything that I need to get done today. Hope everyone has a good Wednesday x0
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