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What small DFW things will you do w/c 6th July
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ziggy2407
Posts: 4,106 Forumite


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 😀
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
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Morning all
Anxiety is HIGH today so I'll keep it short! This week I will- -return a top I bought for DD - couldn't try it on in shop and it's not right on her
- -pay for car repair - will borrow from joint and repay, rather than put on credit card :-)
- -meals from stores
- -I will have coffee out as it helps me escape for an hour in the car park. But not every day. Or if I must then take flask.
- -get small gift for my BFF as she has been amazingly supportive of my ridiculous anxiety. I need so much reassurance sometimes and she always gives it. ❤❤❤
- -not read ANY newspapers/news websites. My DD has challenged me to go a week without news. This is day 2. Am hoping it will help. It's not even the news that winds me up, it's the comments/opinions. Not helping me right now!
-TA2022
PEAK Dec 2019: £24,273 -- NOW Virgin £2377 Markses £681 Halifax £6143 Loan £6696 Family loan £5819 TOTAL: £21,706 -- Paid off: £2308. Target: Jan 2023 LBM: monthly pay but weekly spend dohDecember 2020 target = £18212 and nothing added to CCs AND by paying an extra 20 a month on something I just knocked 8 months off my target date :-)
9 -
Hey all
@ziggy2407 thanks for starting us off
@TryingAgain2022 I hope your anxiety bogs off soon. I was a mess all weekend. Maybe it's the weather!
Quick rattle in from work. All as usual today, cooking from stores (made a nasty curry in the sc yesterday and now have to eat it. Boooo!). Might nip to the allotment after work. Other than that, just laying out my stuff for tomorrow!
Have a good one all
clf xLBM 11/06/2010: DFD 30/04/2013Total repaid: £10,490.318 -
Thanks CLF. A morning of basically doing no work, then a coffee at lunch and I'm much better. But will have to do til 7 tonight to make up for it! but at least with remote working I can. Hope you're Ok too. Weird weather (whisper: climate change) has definitely made sleep hard lately. Blazing again now but who knows later? Wild wind, torrential rain and flooding, hailstones? Could be anything.
-TA2022
PS blew my 'no coffees out' straightaway but totally worth it.PEAK Dec 2019: £24,273 -- NOW Virgin £2377 Markses £681 Halifax £6143 Loan £6696 Family loan £5819 TOTAL: £21,706 -- Paid off: £2308. Target: Jan 2023 LBM: monthly pay but weekly spend dohDecember 2020 target = £18212 and nothing added to CCs AND by paying an extra 20 a month on something I just knocked 8 months off my target date :-)
7 -
I'm much better today thanks. And sometimes a coffee just has to be doneLBM 11/06/2010: DFD 30/04/2013Total repaid: £10,490.317
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Evening allThanks for starting us off Ziggy. I haven't posted for a few days, not sure where the time has gone. Anyway, today I have mainly been doing housework (boo! hiss!). Early morning dog walk as usual. The weather was more pleasant today, but still pretty changeable, sunny and warm one minute, windy and cloudy the next. Cleaned bathroom and cleaned through downstairs including the cooker (top and hood only, which doesn't sound much, but it is a huge old range cooker). Not been brave enough to tackle the ovens. Still more to do, but I ran out of steam. Got a load of washing dried outside in the wind, and managed a bit of a tidy up in the garden this afternoon. I took out some flowering dill plants that had collapsed in the wind, but cut the flowering stems and I now have them in a vase on top of the wood stove - not alight this time of the year of course. They look fantastic against the old brickwork at the back of the fireplace
They won't last long, but are pretty for now. Made a frittata for dinner, as I seemed to have lots of eggs. Used courgettes, kale and potatoes from the garden in it
Quite a cheap dinner and there is enough for lunch tomorrow as well. Off to bed shortly as I am a bit wiped out. Hope your curry wasn't nasty CLF - I am sure it wasn't, and hope you feel better tomorrow TryingAgain.
7 -
Thanks @ziggy2407 for this weeks thread.
Trying & Clf, I hope you're both doing ok, anxiety is a b**ch!
In Wales we are allowed from today to join another household, it was so nice to have a cwtch with my folks today. Its been so long!
We had a productive day
My dad cut the boys and dh's hair.
Used Oak academy for some maths and french work for ds2 and ds1 did some spanish and computer science.
(I enjoyed refreshing my french along side ds2!)
All meals from stores, had a jacket spuds for tea and used up lots of bits and pieces from the fridge
Cut open a hand cream tube to get the dregs
Checked banking and updated spreadsheet
Renewed breakdown cover with autoaid
Mixed some ood natural yogurt with the end of a jar of lemon curd and some stewed apple for a dessert for the kids tonight and was plenty left so added some porridge oats and seeds to have as a breakfast tomorrow
Found some hard as nails stuff in the garage and was able to stick a plinth back down which has kept falling off.
Moved a shoe cupboard thing out of our bedroom and to the bottom of the stairs where it makes far more sense! (lots of holes around the house need filling in now though!) We've changed lots of things around since the new desks arrived but thankfully it all makes more sense now and hopefully nothing else will move around for a while yet!
Hope everyone is doing ok, take care all.Sticking with the "Small things" thread to keep up us on the straight and narrow.
7 -
Ok so this is my list from this morning(confession I was scared to start the thread so thanks @ziggy2407 ):
Today I will:- Make a nice cup of coffee tick
- walk dog aehm
- Hang out laundry tick - did run, dry and fold 3 machines
- study for my Life In UK Test on Wednesday went from 74 % to 95 % in 'test' tests so tick
- All meals from stores tick
- clean house aehm made ds vacuum downstairs
- go for a run - no
- go kayaking yes and then went to the pub.
- Be nice - I thought I was very nice considering I am a bit fat up with some peoples effort/attitude at home at the mo
- Be tough about a couple of things never had to
Hope everybody have had a lovely Monday.Isa help to buy: 1000/3000 33%
Emergency fund: 100/1000 10%
Weight loose 8.6 kg - while having fun. 0/8.6 0%
Focus debt to clear HSBC £10/1111, 0% updated May 255 -
Thanks for starting this week's thread @ziggy2407Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family4 -
Morning guys. Thanks for starting the thread zigs, hope you're well!
TA2022 sorry to hear you're not well again. Hope it passes soon. Have you tried any guided meditation for your anxiety? I find when I am going through anxious periods daily meditation helps...
Working in a minute so need to be quick! Today:
* all meals from stores - although I may investigate uber eats free £15 for new members and get madam and oh a Maccy D....
* Sewing when I have quiet times at work
* TOMM bedrooms today
* los for dinner for me
* go for a walk/bike ride after work
* feed greenhouse/garden veggies
Ok that's all I think!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: £1956 -
Hi everyone
Hope everyone's well and big hugs to anyone struggling. Just realised I never posted my list yesterday - doh! Today will be a quiet day celebrating DS's 17th birthday (not sure how he got so old so quick, its just flown by)
So far:
Checked Bank & made PAD
Spoke to mum
Later:
Swagbucks
Purge a few emails
Enter a few comps
All meals from cupboards/fridge/freezer
Check: Lucky Bob, PMP, WinaDinner
Have a good day everyone.
C x
Goodreads 2025 Challenge :16/75
Goodreads 2024 Challenge: 65/80
Goodreads 2023 Challenge: 77/526
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