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Monday 11th April - what small DFW things will you do today?

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
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Comments

  • PurpleFairy26
    PurpleFairy26 Posts: 3,903 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Morning all :hello:

    Bit grey here, was hoping my last lot of bedding I washed overnight could go out but I'm not sure. Anyway list for today:
    Check banking, update sheet, check surveys and FPL
    Hot drink on commute to work
    Lunch to work (soup I made yesterday)
    Tea bag from use up box for drink
    Curry I made yesterday for quick tea
    List a few bits on fleabay tonight or at least gather them all in one place
    List a couple of bits on local selling page
    DH to take small swimming after school using membership
    One thing off April/annoying things list.

    Yesterday I cleaned out the porch which I realised was annoying me (although not on official list:o) was tempted to put it on after every just so I could cross it off :rotfl:

    Have a good day folks, PF
  • crazy_cat_lady
    crazy_cat_lady Posts: 7,063 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Morning PF and all that follow :hello:
    Very quiet here this morning - my kids don't go back to school until tomorrow so there's only me and the cats up and about. I've not even gotten as far as putting the telly on this morning, which is amazing for someone like me who loves a bit of background noise.
    So - back to the world of work and back into routine - here's today's list. :D
    :) check banking and PAD
    :) aim for nsd
    :) all meals from stores
    :) full day of teaching
    :) keep time diary as requested by the Head
    :) get home asap after work so my mam doesn't have to babysit for too long
    :) aim for 7000 steps (hopefully more)
    :) try not to stress
    :) get the kids to get ready for school tomorrow
    :) get an early night.
    Have a good day everyone. :T
  • yasmin2
    yasmin2 Posts: 319 Forumite
    Good morning all... Well, this weekend was a bit of a washout financially. Ended up spending money both days so no NSDs :( to declare. My short shift at work yesterday ended up being a long one so take-away and bottle of wine on the way home as a treat. I wish I could lose this mentality :( So must not spend any money today..

    Things for today:
    - add to ebay listings
    - continue decluttering and look for more stuff to list on amazon/ebay
    - try and list item on etsy
    - send off references for new job and hopefully get more work
    - submit timesheets for approval to get paid
    - eat from cupboards/freezer
    - chk into Tesco clubcard as think I don't have all my clubcard vouchers

    Hope everyone has a lovely day :)
    Debt outstanding [STRIKE]£3491.[/STRIKE] £3303
    NSD 10/15
  • OrangeFairy
    OrangeFairy Posts: 2,630 Forumite
    1,000 Posts Combo Breaker
    Morning all,

    Thanks for starting us off PF!

    My brothers wedding on Friday was really lovely- weather was nice enough to give us some blue skies for photos before it started to rain.

    SIL's mum put a £1000 tab behind the bar so we didn't end up buying drinks so it was a free night (other than the outfits and £50 present :D)

    Today's list is small as I'm feeling a little rough....

    Work 8-5
    Check banking
    Send 5 fleabay parcels and arrange h3rmes post for another 5
    Surveys
    List another 10 items for sale
    Lunch from stores- soup
    Dinner at my mums
    Get cheap card for 2 birthday parties the kids have this week
    Check FPL

    That's me x
    Orange Fairy
    House Purchased April 19 :) CC1=? CC2=? DH CC= Mortgage Overpay = £0 Savings = £0 Xmas savings = £0 Weightloss = 0 lb


  • foxgloves
    foxgloves Posts: 13,255 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Morning Monday People,
    Today I will:
    *Peg the laundry outside for free drying.
    *Reload washer & set timer for another overnight cheap wash.
    *Do rubber chicken. Divvy it up for at least 2 further days of meals plus a sandwich & carcass in SC for stock.
    *Shuffle funds around.
    *Update grocery budget.
    *Wrap ebay parcels
    *Plant up strawberry tub with the free plants I potted up from runners last autumn.
    *Water veggie babies & seedlings.
    *Sow more cress.
    *Hoover only the couple of rooms which need it.
    *Make tomorrow's packed lunch
    *Finish knitting order.
    *Open windows instead of switching dehumidifyer on.
    Basically keep myself very busy to take my mind off the Car Problem.
    Hope you all get off to a good start to the week,
    F x
    2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
    2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
    Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!
  • ziggy2407
    ziggy2407 Posts: 4,107 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 11 April 2016 at 8:20AM
    Morning All

    PurpleFairy - Thanks for starting us off today
    LaE - Hope you're feeling a bit better
    CCL - Hope your first day back goes well

    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.

    Very overcast here which is a shame as I'd have like another gorgeous day like yesterday. Today I will:

    Check Bank -
    Appointment with mum at her Bank -
    Ironing -
    Declutter -
    Filing & Shredding -
    Continue purge on Emails -
    Complete a few surveys -
    Enter a few comps -
    Check https://www.freepostcodelottery.com - Remember there are now 5 chances to win -
    Check Lucky Phone -
    Check numberplatelotto, Ashleigh, Ilovecashback etc -

    Have a good day! Love to you all!

    C x
    Goodreads 2025 Challenge :16/75
    Goodreads 2024 Challenge: 65/80
    Goodreads 2023 Challenge: 77/52


  • maria3104
    maria3104 Posts: 921 Forumite
    Tenth Anniversary Combo Breaker Car Insurance Carver! Debt-free and Proud!
    Morning all
    Am on a roll of not spending on groceries. 48 so far in April. Wow.
    It will not last, but I am enjoying my moment.
    Three weeks into the main lambing batch and we are trundling along steadily. Nature is amazing , the good and the bad!

    Manic week at work ahead so off I go.
    Have a good week everyone.
    Forgot to say did go wild in a pop up shop in Friday and parted company with 40 on hobby stuff. Exciting . Xx
    M xx
  • Hi all,

    The dreaded anxiety is back now the children are back to school. Was nervous all last night about it.

    Today I am job hunting for a part time role around the children and house hunting! Still no luck x
    DMP Started June 2016
  • Hi all

    Thanks for the start PF. I would defo put the cleaning of the porch on your list and tick it off :)
    CCL hope you have a good first day back

    Daughter's poorly today - just in time for first day back at school! So I'm working from home today, which will save me fuel :)
    I have yesterday's potty training clothes on the line today. Bob my son is 3! I trained my daughter at 22 months and she got it straight away. I started training the boy at 2 and have been trying every few months since. He's in the preschool class at nursery now so really needs to up his game :rotfl: Hopefully nursery will have better luck with him today than we had yesterday!
    Which do you think is cheaper? one load of laundry or 4 nappies? :rotfl:

    Hope you all have a great day:)
    New total: £24,006 :(
    I will do this.
  • natlie
    natlie Posts: 1,707 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I have put my dishes on and cleaned the kitchen before work
    Made soup for the week yesterday and brought it in for lunch
    I have looked at quotes for broadband, Sky looking best at the moment £17.50 a month line rental, no other charges for 12 months and a £100 M&S voucher
    Am trying for a NSD
    New replacement iphone being delivered today as my last iphone died, was under warranty from last fault so no excess charge on insurance
    weather is horrendous here today so not doing any washing - nothing urgent to wash
    Tea tonight is left over chicken in a curry
    Will try and do some cleaning when I get home - house has been badly treated by kids being off for two weeks
    DMP 2021-2024: £30,668 £0 🥳

    Current debt: £7823.62 7720.52 7417.94
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