Wednesday 8th July - What small DFW things will you do today?

ziggy2407

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! :money:

ziggy2407

Good Morning All

Mrscobden - welcome, you've joined a great thread and are off to a fantastic start

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.

Thank you for all your birthday wishes, son had a great day (apart from the birthday thumps from kids at school), he's decided that he is going to bank £100 of his birthday money as there's nothing he really needs or wants. My little list for today

Packed lunch for DH & DS - Done
Bag of junk to school (for modelmaking etc) -
Walk dog x 3 (dogsitting) -
Filing & Shredding -
Keep "bumping" my for sale posts -
Continue purge on Emails -
Continue purge on FB & Twitter -
Surveys -
Check Banks -
Enter a few comps -
All meals from cupboards/fridge/freezer -
Check https://www.freepostcodelottery.com - Remember there are now 5 chances to win -
Read - Need to pick new book from shelf - working through a pile of magazines for a change

Have a great day, love to you all

C x

enjoyyourshoes

What are the 5 chances to win freepostcode lottery ?
main draw
stackpot
survey
referral


Getting water overflow repaired today, so will save on electricity bill (water pump)

Bobarella

Morning All

Ziggy - Glad your son had a great day and is being sensible with his birthday money. He's got a great head on his shoulders for savings from what you've said.

Morning Enjoyyourshoes

Wednesday already. The week feels like it no sooner starts than races towards the middle, end etc...

I have to confess to feeling quite frustrated at the moment. I have that feeling again of wanting to make big steps in my DF journey and the plodding nature I have to keep is getting to me. I know I am among friends here and it's ok to admit this hence the off load.
Much of this is linked to the business progress since reopening. Although there is much to be pleased about. Regulars returning. Great party bookings. Some good weeks on the final figures earned. It is still not making enough to pay me anything some months. Which puts continued pressure on our personal budget as we need me to be making something at the very least. So I feel a bit stuck and a bit cross some of the time.
Anyway I keep telling myself that this time of the year has never been strong from a trading POV and I just have to get through it in as positive a way as I can. Keep accounts up to date. Every payment I make to my overdue PAYE is one I will never make again. That is costing me £305 a month till January. I also have a rent break for November and December because I pay my rent over 10 months at the shop. And once all these darned music vampire charges are paid (paying one company £40 a month for 3 months and 1 £88 a month over 6 months:eek: just for my crackling radio to be on each day. There are so many things that I have to do before I see a penny a month.

right on that note time to get cracking.

Sorry for the ramble!

Bob

ziggy2407

enjoyyourshoes wrote: »

What are the 5 chances to win freepostcode lottery ?
main draw
stackpot
survey
referral


Getting water overflow repaired today, so will save on electricity bill (water pump)

Main draw
Stackpot - 9am and 9pm
Survey Draw
£10 mini-draw (after 6pm but must claim before midnight) - scroll to very bottom of page

twiggy86

Morning all!

Eeek - I have a second interview later so I'm very nervous today! Came into work at 8 so I can leave at 12.30 and take half day holiday so I get changed, touch up make up, panic before my interview!

Today I have/will:-
* Check banks
* Take fruit to work
* Check FPL
* Take chicken out of freezer for dinner
* Amaze my interviewers with my charm and wit! :rotfl:
* Write shopping list
* Dinner from stores
* Take clothes back to next which I didn't do the other night
* Clean out bottom of fridge
* Shop to list
* Do some more crochet

Think that's everything for today. Hope you have a good day! Please keep your fingers crossed for me!

1HANNAH

Good morning and thanks for the start Ziggy, your lad sounds like he's got his head screwed on

Twiggy, good luck with the interview

Bob, you are doing so well with your debt reduction, your signature might not be going down as fast as you like but its still going down. I really hope that your business continues to grow and that you are get to a stage of not wondering if you are going to be paying yourself each month.

1HANNAH

My little list today

* Kids free breakfast at school :starmod:
* Fill water bottle at the gym :starmod:
* 50 minutes of cardio in the gym :starmod:
* Check bank/update spreadsheet :starmod:
* General tidy round
* Clean & tidy fridge :starmod:
* Clean & tidy freezer
* Plan the next couple of days meals
* Write a shopping list and book a delivery
* Make sure the family calendar is up to date ready for the kids finishing school next week.
* All meals from stores
* Unsubscribe from junk emails :starmod:
* Surveys :starmod: 1 yougov done
* Swagbucks :starmod: running app now

Thats it for now, going to have brekkie.

determined_new_ms

Morning guys thanks for starting us off ziggy and glad lo had a lovely day!

Bob there is a point in the dfw right in the middle where everything feels monotonous and drags but when you get near the end it suddenly speeds up!

Today I am going to be productive and not waste my life on the internet!

Plans for the day:

*[STRIKE] usual crazy hour house work[/STRIKE] 15 mins left which will be enough to vacuum & polish upstairs
* all meals from stores - making tray baked chicken & veg and will use a tin of new potatoes (oh went shopping and got these instead of new potatoes. He said they didn't have new potatoes only had jersey"!)
* while the oven is on finally bake this banana bread and some cookies
* go through bag of clothes dgd has grown out of and sort out some bundles to post on facebay
* check onepoll
* water plants
* make dgd's bag & packed lunch for tomorrow (leaving for the funeral at 5am)
* [STRIKE]get mince out of freezer to make spag/chilli base[/STRIKE]
* [STRIKE]read martin's email[/STRIKE]
* read book
* went through cc statement to work out spends so far this month (and therefore what is left of personal budget - nothing - and GC budget £75 to last until the 22nd - which is loads so will come under budget)
* spends for dgd's birthday as well as the 3 t-shirts, 1 dress, 1 skirt and 1 sweat shirt purchased yesterday in the CS are covered by CB :T

Ok think that'll do. Have a lovely day x

Ratison

Morning all, hope everyone is having a good day, thanks for the start Ziggy.

The rain here is very miserable. It's July!!!

DNMS, I agree what you said to Bob about their being a monotonous period of battling debt. I think initially it's exciting to challenge yourself with ways to save money, but over a prolonged period I bet it can lose the fun (even though I paid off my debt in a short time, I definitely had a lull after a couple of months, especially as some of it was interest free).

I'm glad we can all come here to offload though. And remind each other of our successes (looks at Bob's impressive signature, including that emergency fund, roadkill and wombling totals pointedly)!

Anyway, I have nothing fun to report. Have to submit an invoice to claim back for damage to my car (:mad: that I had to fork out in the first place though). Will be asking when that will be reimbursed. No shame in my debt free game!

Not going to be a NSD as I have to get petrol and some ingredients to make food for a buffet at work tomorrow. So Lidl later.

And good luck twiggy! Let us know how you do

Bobarella

Hi All

Thanks Hannah, Determined & Ratison. I gave myself a sharp smack over the knuckles and paid off another £33.28 instead of whining.

I love how supportive you all are. Thank you.

Bob