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What small DFW thing will you do this week? 28/02
BlueJ94
Posts: 3,255 Ambassador
Sorry if I've cross posted. Don't think I have.
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
3
Comments
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Today I will
Make work lunches
Clean bathroom
Wash bath towels.
I've just finished Sainsburys now until Friday
currently eating breakfast in the car
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 -
Morning all!
Today I have/will:- Check banks (looks grim!)
- Check credit report
- Make lunch to take to work
- Claim small amount from TCB which is payable (£2.53)
- Update spreadsheet with weekend spends
- Finalise budget for March (payday today!!!)
- Shuffle money as per budget once pay has arrived - including making CC minimum payments
- Update netball spreadsheet
- Go to gym at lunch (last of pre-paid credits)
- Pop to shop for bits for dinner
- Snap receipt
- Start on next crochet project
TwigsDebt as at 5 June 2023 - £15,600.89
Current debt - £5,100
Total paid off - £10,500.89 (67% paid off)4 -
Ukranian family are safe for now so time to get my head back in the debt busting game
Today I have/will
1. Checked online banking
2. NSD
3. Converted 490 ipsos isay points to a £5 Mastercard and paid this off Next
4. Meals from stores
5. Surveys
6. Ironing
7. Duolingo Welsh
@jadewest94 congrats for paying off five lamps
Tesco: £1361.19, Vanquis: £2644.73, Very: £563.08, Next: £1636.95, M&S: £1049.92. As of 5th February 2024. Slava Ukraini3 -
Hello all! Can I join in?!
This week I have/will
set up the budget for MarchTrack all spending in my plannerDo £5 worth of surveys
Have 2 no spend daysLimit the use of my car due to the never ending fuel price rise!
Have a wonderful week everyone!Life is too short not to love what you do.4 -
Sure! Welcome alongrdchick said:Hello all! Can I join in?!
This week I have/will
set up the budget for MarchTrack all spending in my plannerDo £5 worth of surveys
Have 2 no spend daysLimit the use of my car due to the never ending fuel price rise!
Have a wonderful week everyone!
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/£10004 -
Evening everyone
Today I have done
Check online bank
All meals from cupboards
NSD
Took book to work
Take care
Make £2026 in 2026 #19
February NSD4 -
@jadewest94 dydd gwyl dewi hapus, so cute seeing all the children go past my house dressed up
Today I have/will
1. Checked online banking
2. NSD
3. Surveys
4. Duolingo Welsh
5. Meals from stores
6. Washing and dry on airerTesco: £1361.19, Vanquis: £2644.73, Very: £563.08, Next: £1636.95, M&S: £1049.92. As of 5th February 2024. Slava Ukraini3 -
Morning all
Today I have/will do
Check online banking
Took lunch to work
Put washer on
Read book in dinner break
Going out tonight for the first time in over 3 years so it not be a NSD
Hope everyone has a good day
Make £2026 in 2026 #19
February NSD2 -
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/£10002 -
So far I have
Booked my car in the garage for end of the month
to do
buy more car parts as it needs a service (OH will do this)
make work lunch againI’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/£10002
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