My Debt Free Diary: Virgo In Pursuit
Debt-Busting Progress: 2020: £13,200 | 2020: £9,200 | 2021: £4,900
2022: ongoing
We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
What small DFW things will you do this week 14/06
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 😀
Goodreads 2025 Challenge :16/75
Goodreads 2024 Challenge: 65/80
Goodreads 2023 Challenge: 77/52
Goodreads 2024 Challenge: 65/80
Goodreads 2023 Challenge: 77/52
3
Comments
-
Good Morning everyone
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.
Well I'm back after a break - my mood and sleep pattern are in chaos, low moods have been the lowest I've felt but things can only get better if I make some changes so we've re-joined our gym and started back on the walking. We have started a big project in the garden so that will be taking up some of our time and also help my vit D levels as well. Today's plan:
Check Bank & make PAD - Done
Washing & Line dry -
Project decking -
Swagbucks -
Bake a cake -
Enter a few comps -
Purge a few emails -
Read -
All meals from cupboards/fridge/freezer -
Checked: Lucky Bob, PMP, WinaDinner -
Have a good day!
C x
Goodreads 2025 Challenge :16/75
Goodreads 2024 Challenge: 65/80
Goodreads 2023 Challenge: 77/523 -
Thanks for starting the thread Ziggy
Sorry to hear you have been feeling low, but you seem to have lots of positive plans to help combat it.Restocked my sales unit this morning, which involved hauling boxes around in the heat
But I have also:Walked dog early on before it got too hotSewed a button on OH's trousers (more of a big deal than it sounds if you hate sewing as much as I do
) A bit of cleaning, tidying and putting awayOH swept the conservatory floor, and shook the mats outside
Used up a shrivelled apple with my breakfast cereal, and leftovers for lunch
Made a big rice pudding for eating cold, as I have so much milk - enough for several puddings there, with fruit. Not everyone does I know, but I love cold HM rice pudding!RM surveys stuff doneDug new potatoes and picked mangetout for dinner
Dog is driving me mad barking at flies, or a fly
He tries to catch them but as he cannot fly himself, and his running / jumping skills are a bit rubbish due to his spinal injury, it is not ever going to happen - though in fairness he never caught one before he hurt his back either!The garden will want watering after dinner when it cools down a bit.2 -
Thanks for the new thread! Back for another week, exhausting and gloriously hot in may be. There has been a few high spends lately so I'm trying to make sure I don't slip up and do over.
The little things to help me with:- Check online bank account, allocate extra incomings to overpayments
- Update diary
- Starting the Couch to 5k challenge - as kindly recommended last week
- Bring food to work and meal plan
3 -
Thank you @ziggy2407 for the new thread.
Last week turned into a nightmare so my plans for NSDs went out the window. Bills mostly but I also bought some new summer trousers (£6 from Primark) and two tickets to visit a local garden this week as a friend is coming into town to see me.Also saw him at the weekend. Still not sure what is going on. Finding it all awful.
Thank you to those who suggested hobbies I could try. I think I might give crochet another go. I tried a while back so think I might have some wool hidden somewhere. Fingers crossed I progress further than a big knot this time!Will have a NSD and will try to do some more decluttering. Have a tradesman coming either today or tomorrow, unsure when, so am a bit reluctant to start anything until they have been.
Hope you are all enjoying the weather.3 -
Morning all!
Hot hot hot here!
Strawbs are growing nice and healthy, going to see what other veggies I can plant.
Going to rebudget this evening after I get back from the gym. Not much else really happening. I'm off to alton towers Friday.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;*update pending as I've no idea*
Time to start a fresh. — MoneySavingExpert Forum
Time to start a Fresh part 2, 2022! — MoneySavingExpert Forum
New fresh diary for 2023! — MoneySavingExpert Forum
https://forums.moneysavingexpert.com/discussion/6494873/fresh-diary-for-2024#latest
https://forums.moneysavingexpert.com/discussion/6577209/fresh-diary-for-2025/p1?new=13 -
Afternoon all
Very hot again!Just got back from an afternoon working at the shop where I rent my sales unit. Was quiet!Other things:Dog walk first thing, before it got hotGeneral tidy up, load of washing put out on line etcChecked banks and updated spending diaryFridge scrapings for lunch (sounds grim, but actually nice as I am good at this!)Our (very old) camper van passed its MOT first time this afternoon
Debating whether to sell it or keep it till it dies
Dinner will be jacket potatoes, chicken with tomato and chilli sauce and green beans (chicken, sauce and beans from freezer)Nothing spent today
Wrote a small shopping list, will probably go tomorrow.Still have watering to do in the garden....1 -
Thanks for the thread @ziggy2407
My dfw things from today were:
Leftovers for lunch
Cheap easy dinner recommended by another dfw last week
Planted seeds for lettuce and spinach
Washing hung on line
Surveys completed
Utilised a free bet
Enquired about a change in contractual benefit at work which could result in more net pay take home
Remembered how I made the extra £10 last Friday that is listed but not described 🤪
Plans for tomorrow:
Washing on line
Complete some surveys
Cost effective Bean burgers for dinner as recommended by another MSEr
Workout at home
Follow here for the daily life of an ADHD mum with 2 children and a new mortgage to pay
https://forums.moneysavingexpert.com/discussion/6570879/life-in-our-forever-family-home-and-the-mortgage-that-came-with-it#latest4 -
Morning folks,
@ziggy2407 - sorry to hear you've been feeling so down. I hope youstart feeling brighter x
Not sure where the time went again. I had a really busy weekend. Saturday was full of allotments and errands. In fact, I got a dab sunburnt (I am normally inert)! Sunday we picked elderflowers and I made cordial with them. It's really tasty and I had some with vodka and sparkling water last night (may not feel 100% fresh now...). I also made a cage over the strawberries using bits of wood from the shed and wire from the allotment. The squirrels in our garden are a menace. They are eating all the unripe strawberries. We've had about 5. The cage seems to be working... they are still eating the ones they can reach (scrabbling claws through the gaps I think) but the ones further in seem untouched. Come the winter, I will get OH to build a better one.
So today's things:
B/L/D from stores
Workig from home
OH working
Corner OH before he leaves (maybe, depends on when he gets up) and sort end of month budget sheet
Nip to allotment after work to water a few things that look worse for wear
Have a good one all
clf xLBM 11/06/2010: DFD 30/04/2013Total repaid: £10,490.313 -
Good Morning everyone
@carrielovesfanta - we have a squirrel issue too but they love to pick the flowers off the magnolia and have now started on the rose buds although we have been adopted by a cat and she loves to be in the garden with us and the squirrels don't stay long now. The cat has been visiting since Christmas but is here almost all the time now so we may have to add cat food to our budget.
Lots of time outdoors yesterday, which was lovely and we are 50% done on project decking. Today's plan:
Check Bank & make PAD - Done
Project decking -
Swagbucks -
DH to Dentist at lunchtime -
Enter a few comps -
Purge a few emails -
Read -
All meals from cupboards/fridge/freezer -
Checked: Lucky Bob, PMP, WinaDinner -
Have a good day!
C x
Goodreads 2025 Challenge :16/75
Goodreads 2024 Challenge: 65/80
Goodreads 2023 Challenge: 77/523 -
Next door have 2 cats that adopted them. One is a known mouser (and I've seen her eat a butterfly!) and the other is part feral and lives outdoors. I have given them both a stern talking to but have yet to see them even chase a squirrel!ziggy2407 said:Good Morning everyone
@carrielovesfanta - we have a squirrel issue too but they love to pick the flowers off the magnolia and have now started on the rose buds although we have been adopted by a cat and she loves to be in the garden with us and the squirrels don't stay long now. The cat has been visiting since Christmas but is here almost all the time now so we may have to add cat food to our budget.LBM 11/06/2010: DFD 30/04/2013Total repaid: £10,490.312
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.3K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.3K Spending & Discounts
- 245.3K Work, Benefits & Business
- 601.1K Mortgages, Homes & Bills
- 177.6K Life & Family
- 259.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards


