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Wednesday 8th June- what small DFW things 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!
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Comments

  • SpekySquarehead
    SpekySquarehead Posts: 3,019 Forumite
    Photogenic Debt-free and Proud!
    Morning,

    I thought I'd kick us off this morning as I was in the office much earlier than normal.

    Yesterdays list;
    Bring breakfast and lunch into work - Done
    Exercise - Done
    Check banks and YNAB - Done
    Start racking up SFD’s - Apart from my gym glass
    Plan Fathers Day gifts (thanks plainandsimple for the reminder) - Again, failed. I might wait untl Martins email.

    Todays list;
    Enjoy a free breakfast and lunch at work
    Rack a NSD
    Check banks and YNAB
    Send some important emails!

    Weekly tasks;
    Get a comparative quote to service my laptop
    Send my CV out to some recruitment agencies
    Open a help to buy account
    Contact HMRC about my wrong tax code
    Sell things on ebay

    Have a terrific day everyone.
  • maria3104
    maria3104 Posts: 921 Forumite
    Tenth Anniversary Combo Breaker Car Insurance Carver! Debt-free and Proud!
    Morning all.

    Am visiting family up north and cannot believe this lovely weather.
    Wonder what is going in st home?
    Trying to be fiscally sensible.
    M
  • Morning folks. Today's list:

    - bung a bag of potatoes in the slow cooker before they go bad
    - check bank
    - withdraw cash for various envelopes
    - clean the house
    - make lunches for tomo
    - all meals at home
    - NSD
  • make_the_change
    make_the_change Posts: 430 Forumite
    edited 8 June 2016 at 2:28PM
    Hi All,

    No nursery today for DD....

    I forgot to add, I had an invitation to speak to my sons head teacher regarding my email before half term about attendance and him missing out on a certificate. He was impressed by my email, how I worded it and that as a parent I take attendance so seriously. He explained the grey area with children who have apppointments and therefore have to miss school, so they try to acknowledge them for excellent attendance, rather than perfect. I explained he should never have been sent home from school and I have explained the sickness issue with the school numerous times and how much we were looking forward to him achieving yet another full year without missing a day. He issued DS1 with a perfect attendance certificate dating back to September! :):):)

    - put a wash on for mum and hang out Done
    - re-wash and dry my wash that got caught in the rain yesterday :mad: Done
    - pop into town to print return label and post parcel and collect jeans Done
    - take DS2 for his jabs They have run out of the BCG vaccine yet again!
    - cook some veggies and poach some pears for DS2's lunches/dinners Done
    - school run
    - have dinner at mums (I am cooking)
    - homework and spellings with DS1
    - sort a bundle of paperwork thats just sitting on the side gathering dust

    I have more to do but it will probably have to wait until tomorrow!

    Have a lovely day all! x
    DMP Started June 2016
  • ziggy2407
    ziggy2407 Posts: 4,106 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 8 June 2016 at 5:19PM
    Good Morning All

    Speky - Thanks for starting us off today

    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.

    Had a productive day yesterday and was convinced I'd posted but I can't find it, I remember posting about choosing "joy" - anyway today is a new day and the sun's shining so I will:

    Choose Joy
    Packed lunch for DH & DS - Done
    Drop bag of shoes at charity shop - Done
    Post 2 Eb*y sales - Done
    Check Bank - Done
    Work on frame orders - Well under way
    Go for a walk with DH -
    Read (in sunshine)
    Bump couple of bits for sale -
    Continue purge on Emails -
    Complete a few surveys
    Enter a few comps
    All meals from cupboards/fridge/freezer -
    Check https://www.freepostcodelottery.com -
    Check Lucky Phone/Ashleigh/Numberplatelotto -

    Have a great evening, love to you all!

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


  • and peeless as well legomum??! x
    DF as at 30/12/16
    Wombling 2025: £87.12
    NSD March: YTD: 35
    Grocery spend challenge March £253.38/£285 £20/£70 Eating out
    GC annual £449.80/£4500
    Eating out budget: £55/£420
    Extra cash earned 2025: £195
  • Hi,

    Today's list is as follows;

    :starmod: Work 8am until 6.30pm
    :starmod: NSD
    :starmod: Update my DFW diary
    :starmod: Check bank
    :starmod: Early night, I am soooooooooo tired

    Dxxx
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    lego_mum wrote: »
    Yay I'm pot-less!!!!!

    What a relief.

    Maria enjoy your holiday!
    " 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
  • princess_pea
    princess_pea Posts: 350 Forumite
    Part of the Furniture 100 Posts Photogenic Combo Breaker
    Thanks for starting Speky
    Thanks for the comments yesterday with regards to my job predicament :)

    LSD today as needed to put some fuel in the car. No spends other than that
    We had our away day in a hotel in town which I had to leave early for a medical appointment so not an 11 hour day :j
    Banking/ spending diary/ surveys to check
    Ironing
    Have a bath later
    Took poochy on a nice walk up the hill this afternoon
    Write Grandma's birthday card ready to post tomorrow
    Prepare packed lunch for tomorrow
    I asked work colleagues if they would save sauce/ jam jars for me to use as table decorations at our wedding so I brought a load of them home tonight. Going to jazz them up with some organza ribbon, candles and flowers
    Read Martin's email
    Early night

    Take care all
    02 0% £719.20 £649.26
    Creation 1 0% £1,829.88 £1,533.78
    Creation 2 0% £604.80 £604.80
    Car Finance £10,326.74 £4,290.96

    Total £13,480.62 £7,078.80 47% PAID

    Mortgage £128,560 £115,633.35
    Long-Term Savings Pot £0

    Debt-Free Wannabe Diary
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    Small things from today

    1) 6p roadkill
    2) 1 Evening meal for all of us. Serving the meat and sauce up first for DD and DS. Then will add the chunky veg and seasoning for us after. Saves time and money.
    3) Checked banking
    4) Walked as much as I could today
    5) Checked my ebay listings

    Made contact with the solicitor that handled all the lease stuff when I set up my business & also sent an email to a lease valuation company who called me back to say the person I need would call me back. Although they didnt but I will follow it up tommorow. Im posting about it more to keep my own motivation up really.
    As I said go my husband last night, I need to approach this winding down stage with all the energy I put into the set up but its hard because of time constraints. So one day at a time now.

    Right bath and bed routines coming up. See you on the other side.

    Bob
    " 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
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