My Debt Free Diary: Virgo In Pursuit
Debt-Busting Progress: 2020: £13,200 | 2020: £9,200 | 2021: £4,900
2022: ongoing
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What small DFW things will you do this week 24/05/21
BlueJ94
Posts: 3,241 Ambassador
Hopefully this thread hasn't been started yet so I thought I woild kick off this week!
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.
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 😀
I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;
Debt owed;
Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£1000
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£1000
5
Comments
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Today I plan on doing some surveys once I get home, check my budget and see what freezer meals I can make. I've already done my meal prep for work this week.
I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10003 -
Done a survey this morning, need to check more often , booked our wedding accommodation and wedding so some hard saving needed now as well as continuing payments to debt! Has spurred me on to the extra work I do for additional pay!Pay ALL your debt off by Xmas 2021 no 50 Target for this year £12,000
Pay all your debt off by Xmas 2022 target £15,000 pd £7969.95 / 15,000
SPC 2022/23 014
Pay all of your debt off by XMAS 2023
#no 28 target £11,200.004 -
Thanks for starting a new thread! Back for another week.
Going to be a bit hectic at work this week but good enough excuse to enforce my NSD days. Been obsessively poring through my online bank accounts and check every spend, packed meals for work and booked an extra shift that will go through my overpayments. I am also thinking of another clear our and maybe sell such haul once more online.
Have a good week ahead!4 -
Getting back into the habit of taking sandwiches to work! Also seriously considering leaving my cards at home and just using cash - hoping this will curb my "little and often" spending!Tesco CC - £269.00.00/£750
Virgin CC - £1,050.00/£2570.00
MBNA CC - £825.00/£3360.00
Emergency/Home improvements Fund - £0.00/£1000.00
Pay All Your Debt By Xmas 2021 Number 60 - £2144.00/£6680.00
https://forums.moneysavingexpert.com/discussion/6233334/paddingtons-debt-free-journey#latest4 -
Made some extra meals for when I finish work late. Used heated throw blankets so I could keep the heating down. Kept kitchen clean to encourage home cooking.4
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I'm making lunch every evening for work (well doing 2 or 3 days at a time) & leaving my wallet at home so I can't spend in work.4
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I'm going to clean the inside of my car out today and maybe clean the outside also. I got my couch to 5k jog after work and also popping into sainsburys for salad stuff.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10003 -
I found some dollars in a purse l don't use anymore, exchanged them for £25 😊5
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Morning neatly afternoon all!
Not much going on today, paid £20 towards marbles bringing it down to £100 now. Didn't do my run yesterday going today weather dependant. Also going to look for a gym to join tomorrow.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10003 -
Afternoon all, payday tomorrow!

I will be going to the gym after work today to see if I enjoy that particular one. Not much else going on!I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10001
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