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!Friday 29 May 2015, what small dfw stuff will you do today?

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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
April 2021 Grocery Challenge 34.29 / 250
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Comments

  • Shortie
    Shortie Posts: 2,224 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Oh no, I typed a long reply and my fat fingers hit the back button :mad:

    Hope nobody minds me starting the thread this morning. The powers of copy and paste (adding a random typo to the title alon the way) on a phone. Who would have ever imagined that when sat snoozing in front of Windows 3.1 eh?

    Yesterday turned out to be a spend free day as I stayed for one diet coke (on the initial works tab) and left. I sometines find now that because I don't drink I can find it difficult to mingle with big groups of people I don't know very well.

    Today will be spendy - I am in work late and have lunch and a late snack with me but forgot my breakfast and it's my turn for team milk

    When I get home tonight I need to then get food ready for tomorrow as I'm going with friends and my two children to a games expo thing in Birmingham. In an attempt to save where I can, we're taking our food and drinks with us so that they can treat themselves with more stuff to clutter their rooms with instead :rotfl:
    April 2021 Grocery Challenge 34.29 / 250
  • 1HANNAH
    1HANNAH Posts: 855 Forumite
    edited 29 May 2015 at 11:28AM
    Morning all, Thanks for the start Shortie :)


    Its dh's payday today so I've rushed downstairs to check the bank & get it on the spreadsheet (as this is his first proper pay since payrise so we didn't know exactly what he was going to be getting)
    :j:j:j:j:j:j:j


    In other news....
    :j Mr T delivery has come with an extra pack of tomatoes (got this shop after reading :money: email with the extra 500 points on a £60 shop - we will convert these into £20 worth of days out tokens :) )
    :j Post has arrived with a sample product for us to test from one of the survey sites :j
    :j Kids have finally finished the porridge sachets for breakfast (won't be buying them again as I had forgotten how easy proper porridge was to make!)
    :j Today is going to be a NSD (excluding mr t as they are essentials)
    :j I've cut open my tube of handcream & dh's facewash so that we use it all up, can't believe I didn't start doing this years ago! There is at least 5 days worth of handcream left in there!
    :j Ds2's present has arrived in the post this morning to for learning to ride his bike, the item he wanted was out of stock everywhere except amaz0n who were selling a normally £20-25 item for £40.99 :eek: but I told ds2 that I couldn't find the item and offered to give him the money to look round the toyshop for something else, but he came up with a different set of the skylanders that he wanted me to look for which I did, it was £22.84 on Amaz0n which meant I could use my vouchers from swag$ucks to pay for it
    :j Used some of the last shower spray!
    Time to head of to swimming lessons now, then it will be back home to do some homework, reading with the kids :)


    Have a good day all, I'll be back later with a proper list :)
    Following :money: to keep us debt free :j
  • DawnW
    DawnW Posts: 7,749 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 29 May 2015 at 10:26AM
    Morning all :j

    Thanks for starting the thread Shortie :)

    Raining today :( but I suppose the garden needs it!
    List for today:
    Check banks
    Make a loaf in BM (in progress)
    Shuffle contents of 2 freezers after defrosting and cleaning both :A The freezer part of the kitchen fridge freezer currently contains only the Ocado reduced price meat offers that arrived last night, and everything else is crammed into the small upright in the conservatory.
    Finish getting accounts ready for accountant to cast her eye over and do income and expenditure accounts or whatever it is called and submit tax returns.
    Help OH stack the firewood he has just collected (done, got quite wet, cuppa called for I think!)
    HM meals from stores
    Clean bathroom
    Do any surveys that are available - I have been doing Pinecone and Yougov for years, but their surveys are only occasional. I have investigated onepoll and swagbucks this week. One poll seems ok, but I can't get on with SB :( Being older, early retired/self employed, without children at home and not a fan of pay TV etc I am screened out of most things, and have tech issues with their site - so not for me.
    Go to sales unit and tidy up / restock as necessary ready for (hopefully) weekend onslaught :rotfl:
    Washing out to dry if it stops raining!
    Water any pots that need it (even if it rains, the pots still need to be checked, and I have loads of them :eek:)

    Right, better get on with it. Hope everyone is having a nice day :)
  • xJOJOx_2
    xJOJOx_2 Posts: 572 Forumite
    Good Morning Dfw's

    miserable day here too, hope it picks up for tomorrow

    Daily Dfw's
    Check free postcode lottery
    Check online banking & available funds tick
    Taking little ones to Liverpool tomorrow before wok, price up train fares but take pack lunch & drinks & visit free museums
    Update signature
    Check emails & unsubscribe from a couple

    Home & Decluttering
    Quick tidy up before work tick
    Curtains from sister up
    Buy tie packs, small decorative mirrors for bathroom tick
    Quick Hoover around this evening
    Ironing done before work tick
    1 x load of washing and drying

    All things old skool
    Turn off all plugs, tv etc tick
    All meals from stock tick
    Charge phone/iPad in work
    Make use of free cold drinks at work
    Take some cappicunio to work as never any milk at the moment tick
    Pick up some dishcloths etc not being used at work for free tick
    Walk/get lifts all journeys tick


    Upping my income
    One poll
    Smile & get some tips
    Bit of cleaning under objects at work for runaway pennies :-D

    Have a good day everyone xx
    Debt Remaing £315 :j
    Breath out the past, Breath in the future
    Big Dreams Start Small
  • Hi. I was going to say 'Morning' but its now 'Good Afternoon'!


    Thanks for starting us off Shortie.


    Well I am very pleased with myself - 3 days ago I paid the last payment on my credit card, so I am now


    :T :j:j DEBT FREE :j:j:T


    So as of now I will continue with the thrifty lifestyle so that I can save an emergency fund, then a savings fund BEFORE splashing out on some much needed new clothes, shoes and hair cut.


    Alas I forgot a £400 payment for our summer holiday, so I had to forgo first lot of savings to pay it, but at least I had it there to pay.


    Now if I can just get my 3 children to not want anything ever again - I'd be rich! ;)


    Today, I have to spend as it's my best friend's birthday Sunday, but pressie is all budgeted for.


    Also I will/have:


    Hang washing on airer - pouring outside
    All meals from stores
    Limit kids TV - more art, puzzles, playing pool - better for them and cheaper for me :)
    Do ironing before it turns into a mountain!
    Check banking online
    Lots more OU revision - exam next Fri morning - am totally stressed about it :( - my brain just seems to forget everything I have studied.


    Have a great day everyone.
    T x
    Jan GC £267.47/280, Fuel:£40.60/£40; Cafes: £28.35!!/£20, NSD: ?/20
    Walk /10miles/week,
    LBM £14,000 :eek: 01/02/18. Loan: £14960.40/4 years

    Emergency: / £1000, Vouchers: One4All £20, HairSalon £50, Caffe Nero £15.62, Pizza Express £90, Other Restaurant £60. DS1 owes camera/car ins.£800.
  • 1HANNAH
    1HANNAH Posts: 855 Forumite
    edited 29 May 2015 at 2:38PM
    Afternoon all,

    Switched mobile off over night :j
    Heating off :j
    All meals from stores - plan & prep - Lunch was toasted ys ham & cheese sandwiches.
    Check email survey oppurtunities :j
    Unsubscribe from junk emails :j
    Drink warm water rather then tea/coffee save the cost of tea/coffee/milk and less calories too :j
    Check Banking/update spreadsheets :j
    Try to use something out of the use up food box - no but sorted out the food cupboards and added a few bits to it
    Read a few pages of a book
    Do some Swagbucks :j hit today's target
    Check checkoutsmart
    Check shopitize
    Check Sun perks done
    Check FPL :j must check back later
    Check TCB done
    Check Quidco/clicksnap done
    Use nectar search
    Use up pamper box contains (nail varnish/perfume/handcream/footcream etc) :j
    Use up household box contains (using up stuff before replacing with stardrops) :j found a few half bottles of things so added them together and cleared out the cupboard
    Add items to charity bag a rolling pin & some microfibre cloths
    Clean & tidy fridge done
    Clean & tidy freezer done
    Update freezer list
    NSD done
    Rang Talktlk and renewed contract at 1/2 price for 18months (saving £10 a month) :T :j
    Following :money: to keep us debt free :j
  • 1HANNAH
    1HANNAH Posts: 855 Forumite
    Hi. I was going to say 'Morning' but its now 'Good Afternoon'!


    Thanks for starting us off Shortie.


    Well I am very pleased with myself - 3 days ago I paid the last payment on my credit card, so I am now


    :T :j:j DEBT FREE :j:j:T



    T x

    congratulations!!!
    Following :money: to keep us debt free :j
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    Well done NewlyFrugal that is amazing!
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
  • twiggy86
    twiggy86 Posts: 2,678 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    Well done NewlyFrugal!

    Finished work early today as started early yesterday, so nice to be home at this time!

    Today I have/will:
    * check bank
    * not put make up on as only one in the office
    * take lunch to work
    * use printer at work to blow up and print photos of mum for her party
    * wobble stamp from work to post invite
    * check FPL
    * use boss' exercise bike for free exercise
    * dinner from stores
    * NSD?

    Think that's everything for today! Hope you all have a great day.
    Debt as at 5 June 2023 - £15,600.89
    Current debt - £6,450.00
    Total paid off - £9,150.89 (58% paid off)
  • Hi everyone

    Today, I have...

    - Sold an eBay item for £111
    - Listed another eBay item for £50
    - Checked online banking
    - Checked Credit Expert
    - Increased my selling limits with eBay
    - Opened an online ISA account

    :-)
    Xmas 2016 #67 £0/£365
    LBM £29,598 :shocked: (29.05.15) DFD June 2021
    29.12.15 - B/card 1 £6813 B/card 2 £3575 Virgin CC £13658 Loan £5842 Next £0 OD £200
    20.06.15 - B/card 1 £4139 B/card 2 £4025 Virgin CC £13100 Loan £7303 Next £58 OD £200
    Diary http://forums.moneysavingexpert.com/showthread.php?t=5256548
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