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What Small Thing Will You Do This Week?? 03/10/22
Bagpuss741
Posts: 2,291 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 😀
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
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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 spreadsheetTesco: £1361.19, Vanquis: £2644.73, Very: £563.08, Next: £1636.95, M&S: £1049.92. As of 5th February 2024. Slava Ukraini3 -
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
Twigs
Debt as at 5 June 2023 - £15,600.89
Current debt - £9,838.71
Total paid off - £5,762.184 - Load of washing on 30 degree eco wash
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Evening allThanks for starting the thread @Bagpuss741Late posting today, but got loads done:Dog walk first thingFruit from fridge (needed using up) for breakfastHoovered through downstairsLoad of washing, dried outside on the lineMade a spicy fruit loaf in the BM - looking forward to toast in the morning!Scrambled some rather elderly eggs for lunchDid a bit in the garden this afternoonGarden pickings - a lettuce and some runner beansChecked banksDinner 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!3
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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
Twigs
Debt as at 5 June 2023 - £15,600.89
Current debt - £9,838.71
Total paid off - £5,762.184 -
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 They were quite big ones though!Today I have / will:Dog walk doneWashed my hair and left it to dry naturallyStarted 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 upOught to do a bit more in the gardenNeed to update my spreadsheetDinner will be spaghetti with bacon, tomatoes and camembert. Must pick some parsley to go with that.3
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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'4 -
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 dishwasherI’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
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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
Twigs
Debt as at 5 June 2023 - £15,600.89
Current debt - £9,838.71
Total paid off - £5,762.182 -
@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 areaPut loads of clean laundry away and put the washing basket back where it belongsFound a home for a big bag of empty jarsPut 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 yesterdayShopping at Li*l this afternoon - not much needed this weekNaan pizzas for dinner will use up some tomato sauce and oddments left in the fridge 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 find1
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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?Debt as at 5 June 2023 - £15,600.89
Current debt - £9,838.71
Total paid off - £5,762.182
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