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What Small Thing Will You Do This Week?? 03/10/22

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 😀
Tesco: £1361.19, Vanquis: £2644.73, Very: £563.08, Next: £1636.95, M&S: £1049.92. As of 5th February 2024. Slava Ukraini
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Comments

  • Bagpuss741
    Bagpuss741 Posts: 2,291 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Today I have/will:

    1.  Checked online banking
    2.  Paid bills
    3.  Meals from stores (Beef in ale in slow cooker)
    4.  Washing drying on line
    5.  Surveys/consumer pulse/PMP
    6.  Downloaded chrome to my MacBook and added pouch extension to look for voucher codes as well as the nectar card extension and the topcashback extension.  No excuse to not get the best deal and cashback now.
    7.  Update spreadsheet
    Tesco: £1361.19, Vanquis: £2644.73, Very: £563.08, Next: £1636.95, M&S: £1049.92. As of 5th February 2024. Slava Ukraini
  • twiggy86
    twiggy86 Posts: 2,350 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    edited 3 October 2022 at 3:53PM
    Thanks @Bagpuss741

    Today I have/will:
    • Load of washing on 30 degree eco wash 
    • Drive on eco mode
    • Snap receipts 
    • Have porridge from communal stash, work milk and microwave 
    • Charge phone and battery pack at work
    • Update spreadsheet 
    • Complete money shuffle as per budget 
    • Find free pattern 
    • Print pattern at work 
    • Gym at lunch - credit already paid for 
    • Order some bits using a voucher 
    • Look at home insurance renewal price 
    • Hang washing on airer
    • Write small shopping list 
    • Shop to list 
    • Dinner from stores 
    • Look at yarn stash to check if I need anything for next project 
    • Crochet in front of the TV 
    That's everything I can think of for today.
    Twigs 
    Debt as at 5 June 2023 - £15,600.89
    Current debt - £9,838.71
    Total paid off - £5,762.18
  • DawnW
    DawnW Posts: 7,503 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Evening all :)
    Thanks for starting the thread @Bagpuss741
    Late posting today, but got loads done:
    Dog walk first thing
    Fruit from fridge (needed using up) for breakfast
    Hoovered through downstairs o:)
    Load of washing, dried outside on the line
    Made a spicy fruit loaf in the BM - looking forward to toast in the morning!
    Scrambled some rather elderly eggs for lunch
    Did a bit in the garden this afternoon
    Garden pickings - a lettuce and some runner beans
    Checked banks
    Dinner was a steak shared between us with a jacket potato, salad and HM coleslaw. I bought a pack of 2 steaks, but they were each large enough for both of us, so 2 steak dinners for 2 were had from the one pack (we had the other one yesterday). I shall just buy a single steak next time!
  • twiggy86
    twiggy86 Posts: 2,350 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    edited 4 October 2022 at 9:25AM
    Oh @DawnW that really made me laugh - I cooked not 1, not 2 but 3 steaks for my very greedy OH last week and he ate the lot!!! (It was his birthday!) 

    Today I have/will:
    • Turn bathroom tap to coldest position
    • Use charity bag as bin liner 
    • Drive on eco mode - plus didn't have to drop OH to work which is a bit out of my way
    • Cash in £2 I won on a scratch card (mum bought it for me)
    • Snap receipt
    • Have porridge from communal stash, work milk and microwave 
    • Charge phone and battery pack at work
    • Update spreadsheet 
    • Finalise home insurance and cancel renewal (£70 more expensive than I can get through one of the compare websites and I can get £30 cashback!)
    • Write meal plan
    • Write shopping list 
    • Shop to list 
    • Dinner from stores 
    • Turn oven off at wall 
    • Look at yarn stash to check if I need anything for next project (didn't do yesterday!)
    • Crochet in front of the TV 
    That's everything I can think of for today.
    Twigs 
    Debt as at 5 June 2023 - £15,600.89
    Current debt - £9,838.71
    Total paid off - £5,762.18
  • DawnW
    DawnW Posts: 7,503 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 4 October 2022 at 2:38PM
    We are older @twiggy86 and don't need to eat so much these days. My OH would have eaten both steaks years ago, no trouble :D They were quite big ones though!
    Today I have / will:
    Dog walk done
    Washed my hair and left it to dry naturally
    Started fridge clear out and shopping list - nothing binned of course, but some pineapple was frozen, and elderly carrots made into spiced roasted carrot soup for lunch (today and tomorrow).
    I now have another pile of washing up :#
    Ought to do a bit more in the garden
    Need to update my spreadsheet
    Dinner will be spaghetti with bacon, tomatoes and camembert. Must pick some parsley to go with that.
  • Laundry done on a quick wash at 30° and hung on the line; gifted bramley apples peeled and cored - dehydrator full and on and the rest made into chutney; dinner of puy lentils, quinoa and salad leaves all prepared. 
    DNF: £626.33/£1000
    JSF: £626.29/£1000

    Weight loss challenge 2024: 3/24lbs
    1st quarter start:9st 13.1lb
    2nd quarter start:9st 9.2 lb
    3rd quarter start: 9st 6.8 lb
    4th quarter start: 9st 10.2 lb

    'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'

  • BlueJ94
    BlueJ94 Posts: 2,645 Ambassador
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Evening all

    today I have 

    Put myself down for over time at euro, extra hour a day! 
    Washed both work jackets 
    moped downstairs 

    to do 

    Put wet washing on airer 
    empty dishwasher 
     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;

    Salad Money - £1084.09/£1200 Zopa £100/ £200 JAJA - £835.93/ £900 Monzo £342.45/ £500 Capital £169.40/ £200 Zable - £735.15/ £800 Fashion World £480/ £700 = £3,747.02

  • twiggy86
    twiggy86 Posts: 2,350 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    edited 5 October 2022 at 3:47PM
    Morning all!

    Today I have/will:
    • Turn bathroom tap to coldest position
    • Make lunch to take to work 
    • Snap receipt
    • Transfer monthly debt payment to parents 
    • Drive on eco mode - plus didn't have to drop OH to work again 
    • Continue listening to audiobook through BorrowBo* 
    • Have porridge from communal stash, work milk and microwave 
    • Charge phone pack at work
    • Print postage label for something I sold on V*nted (finally!) at work 
    • Put parcel in locker by work 
    • Update spreadsheet 
    • Buy home insurance and cancel renewal 
    • Look into balance transfers (interest free period is ending)
    • Dinner from stores 
    • Turn oven off at wall 
    • Wash hair and let dry naturally 
    • Crochet in front of the TV 
    That's everything I can think of for today.
    Twigs 
    Debt as at 5 June 2023 - £15,600.89
    Current debt - £9,838.71
    Total paid off - £5,762.18
  • DawnW
    DawnW Posts: 7,503 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    @twiggy86   thanks for your tip on turning the bathroom tap to the coldest position. I have done that now, too. Why didn't I think of that before?
    Just a dog walk and a few tidying up jobs so far today:
    Washed up and cleared sink area
    Put loads of clean laundry away and put the washing basket back where it belongs
    Found a home for a big bag of empty jars
    Put the table mats, napkins, candlesticks etc back on the dining table after OH had to sort out the marks I had made on the wood via an overflowing pot plant saucer :# It looks good again now.
    Lunch will be the rest of the roasted carrot soup I made yesterday
    Shopping at Li*l this afternoon - not much needed this week
    Naan pizzas for dinner will use up some tomato sauce and oddments left in the fridge o:) The idea came from Nigella, and you can put literally anything on them. And kids like to choose their own toppings from what is available I find :)
  • twiggy86
    twiggy86 Posts: 2,350 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    DawnW said:
    @twiggy86   thanks for your tip on turning the bathroom tap to the coldest position. I have done that now, too. Why didn't I think of that before?

    Is it because mixer taps looks most aesthetically pleasing when they sit in the middle?! I only use the bathroom sink for brushing my teeth and washing my hands - so just need cold water. OH does have a morning wash, hence why I keep having to move it back so that he has to choose to have hot water! 
    Debt as at 5 June 2023 - £15,600.89
    Current debt - £9,838.71
    Total paid off - £5,762.18
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