Monday 7 March - What small DFW things will you do today?

crazy_cat_lady

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:

Tyrone_Black

Bought some new shoes last night so a few low spend days needed. Should really buy tortillas (forgot at the weekend) and nothing else.

crazy_cat_lady

Morning all :wave:
It's been a long night, and I am so pleased I don't need to go to work today. dd is ill. She's devastated that she's not well enough for school but she's definitely not going anywhere. I suspect it's tonsillitis, but have drugged her up and sent her straight back to bed.
Anyway, today's plans
Rest lots
Keep a close eye on dd
Get ds to and from school
Cancel training for this week
Check banking and PAD
Aim for nsd
All meals from stores
Do a couple of things from annoying list if I can be bothered
Get dh to the doctors
Get my sicknote into work
Crochet
Find some rubbish tv to watch for free!
Have a good day everyone!

determined_new_ms

Morning cat & Tyrone :wave: Hi to everyone to follow quick post for me while I'm drinking my coffee before I spring into action and get ready for work :eek::D

small things for today:

* pay remainder of cc bill - oh's contribution. It needs to be paid today and I have asked him several times so I'll just pay it and he can pay me back or we'll loose our interest free agreement for 2 months (I use it to spend for cash back and pay it off in full each month)
* take lunch & snacks to work
* finished dgd's lunch & bag
* take some meds to work as have come down with a cold (again! This is like the 3rd in just over a month!)
* use dry spray and tie back hair - cba to wash it
* have roast meat & potatoes procured from the pub (work) yesterday for tea tonight- man it was so busy I felt like I had done 10 rounds with tyson by the end of my shift!
* put the £31 I got from tips in the debt overpayment pot :T have managed to gather £132 for Feb & this week :j
* take out the things in my boot to reduce petrol costs
* hopefully will have enough energy to repot seedlings tonight and plant some more.

Ok better spring into action! Have an hour before I leave. Have a great day everyone x

PurpleFairy26

Morning all. Trains for starting us off CCL hope you have a relaxing day and your DD feels better DNMS Hope you feel better too

Lovely day yesterday, my today will mainly look like:

Work, take lunch and snack
Check banking, surveys and FPL
Label for sale tonight
Set aside some things that can be flea-bayed at a later date
Do some business planning for later in the week
Pop a couple of things on freezer to save them
Meals from stores

Think that's about all, check back later

Bobarella

Morning All

I had a slightly annoying thing to wake up to today. I did a balance transfer a while back which cleared a card completely and it is now on 0%.
I just got my noddle report and it showed a £10.99 amount owed to N*west
Logged on and checked sure enough about 20 days after the card was cleared they applied the interest charge.
It was not cleared last month as I didn't know it was there so I may now get my first late payment recorded in probably 15 years! Nothing is showing on noddle at the moment and I really am cross about this.

Any advice? I just didn't think to check a cleared account.

Bob

PaceThePixie

Morning everyone :hello:

I hope we all had a good weekend I worked Saturday and had a pyjama day yesterday, complete bliss .

My little list of stuff today:
Working all day
All meals from stores.
Check online banking and savings.
A wash is on which OH will hang on airer to dry.
A NSD. Slipped a little last week but aiming to redeem this week

It is short but a vital list of stuff. Hope everyone has a lovely day. Wrap up warm and stay safe folks.

Pace

Not-Two

Bobarella wrote: »

Morning All

I had a slightly annoying thing to wake up to today. I did a balance transfer a while back which cleared a card completely and it is now on 0%.
I just got my noddle report and it showed a £10.99 amount owed to N*west
Logged on and checked sure enough about 20 days after the card was cleared they applied the interest charge.
It was not cleared last month as I didn't know it was there so I may now get my first late payment recorded in probably 15 years! Nothing is showing on noddle at the moment and I really am cross about this.

Any advice? I just didn't think to check check cleared account.

Bob

Hi Bob,

Give them a call and explain what happened - they might waive the fee for you. I've done this successfully in the past a few times... Good luck!

Not-Two

Hi Everyone!

Bit of a mad weekend for me, including a whole day spent at school as part of Open University course. Which meant catching up on other stuff the rest of the time.

Today I'm hoping to;

• tidy up kitchen after batch cooking yesterday
• cook up veggies to go with meal already cooked for dinner
• email landlord re painting the house
• studying
• check banks, credit cards and update spreadsheet with spend
• transfer money from Paypal to current account
• aim for no spend day
• Amazon listings
• report back here at end of the day!!

All the best

ziggy2407

Morning All

CCL - thanks for starting us off today, hope your DD feels better soon
DNMS - Hope you feel better soon, is today the start of your new job?

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.

The sun is shining here and it feels almost spring-like. Today I will:

Packed lunch for DH & DS - Done
Check Bank & shuffle funds - Done
Wash towels & line dry - Done
Post Office - Done
Declutter - 2 cookbooks, OU posters, photo paper, craft magazine, small plaque, housewarming gift & card all gone!
List a few bits on freegle/facebook etc -
Sort Printer - Done
Pamper time - Done
Read -
Craft -
Continue purge on Emails - Done a few
Complete a few surveys -
Enter a few comps - Done a few
All meals from cupboards/fridge/freezer - Done
Check https://www.freepostcodelottery.com - Remember there are now 5 chances to win - Done
Check Lucky Phone - Done

Well that's quite a list, so I'm off to make a start. Have a good day! Love to you all!

C x`

determined_new_ms

Bobarella wrote: »

Morning All

I had a slightly annoying thing to wake up to today. I did a balance transfer a while back which cleared a card completely and it is now on 0%.
I just got my noddle report and it showed a £10.99 amount owed to N*west
Logged on and checked sure enough about 20 days after the card was cleared they applied the interest charge.
It was not cleared last month as I didn't know it was there so I may now get my first late payment recorded in probably 15 years! Nothing is showing on noddle at the moment and I really am cross about this.

Any advice? I just didn't think to check check cleared account.

Bob

Bob generally cc companies will allow you to reverse 1 late payment charge a year. I think call them and explain and you'll probably get lucky