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What small DFW thing will you do this week? 28/02
 
            
                
                    BlueJ94                
                
                    Posts: 3,001 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;
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=1
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=1
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 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. 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
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            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 - £5,435.00
 Total paid off - £10,165.89 (65% paid off)4
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            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
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            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
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 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. 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=14
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            Evening everyone
 Today I have done
 Check online bank
 All meals from cupboards
 NSD
 Took book to work
 Take care
 Make £2022 in 2022 #69 £2247.73/£2022
 Make £2023 in 2023 #4 £395.92 /£2023
 Declutter 2023 in 2023 35/20234
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            @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 £2022 in 2022 #69 £2247.73/£2022
 Make £2023 in 2023 #4 £395.92 /£2023
 Declutter 2023 in 2023 35/20232
- 
            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=12
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            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;*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=12
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