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    • allydowd
    • By allydowd 23rd Feb 13, 6:57 AM
    • 4,095Posts
    • 26,193Thanks
    Sat/Sun 23rd/24th Feb: What small DFW-style things will you be doing today?
    • #1
    • 23rd Feb 13, 6:57 AM
    Sat/Sun 23rd/24th Feb: What small DFW-style things will you be doing today? 23rd Feb 13 at 6:57 AM
    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
    Debt-free day: 8th May 2015
    The Joy Account: 500

    Bold Bicycle Bonanza: 93.01 km
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
Page 2
    • determined new ms
    • By determined new ms 23rd Feb 13, 6:15 PM
    • 6,830 Posts
    • 39,981 Thanks
    determined new ms
    If you find a bit of paper where he is practising your new joint double barrelled surname, get out of there fast!

    Awww hes a bit keen, but better that than Mr non commital???
    Originally posted by Bobarella

    ha ha ha! Bobarella funnnnnnneeeeeeeeeeeeeeee!

    either or is a killer though isn't it? Just the right amount of "into you" or it kills it dead in the water.

    Hope he's just knocked out by you stacey and he has you laughing like a drain all night
    Last edited by determined new ms; 23-02-2013 at 7:32 PM.
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
  • stacey2193
    he is putting me off, he is now talking about taking me to a wedding as his plus one in may, but even worse a mutual colleagues wedding which will be full of people we both know from work. I had to tell him straight at which point he said he found my directness refreshing !

    To be continued !
    "The greatest wealth is health"
    Bank of Mum and Dad - 20,000 - 3 years fixed at 3.25% and 2 years variable rate, estimated 22,21 due to end November 2017
    Car finance - 10,250.92 over 60 months 9.7% APR, Interest 2612.08, Total 13,906.08 November 2017
    HP 1999.47 - 36 months at 0% -March 2016
    • Candy0107
    • By Candy0107 24th Feb 13, 6:21 AM
    • 1,594 Posts
    • 9,691 Thanks
    Awww hugs Stacey, someone at work had the same things and she ended it after about 3 months

    Morning people,

    Up stupidly early for a Sunday morning as off to London as hubby is going to see the Swansea / Bradford final and there is engineering works on the railway which will add 30mins on to the journey.

    So today I will/have:
    • Breakfast from stores
    • Bought railfare using national railcard bought yesterday
    • Bought my ticket from workshire to London - saving about 6
    • Will stick to my budget of about 30 for the day - payday on Thursday so would like to put some more into savings account
    • Will buy a cheap lunch
    • Will go to a museum to keep myself entertained
    • Will not walk around London with my wifi on as it eats away at my battery and I don't want to get lost In London - hubby will be at the football for a couple of hours

    Think that's my lot for today

    Take care all
    Candy xxx
    Last edited by Candy0107; 24-02-2013 at 6:29 AM.
    Debts at the start of my journey - about 23,000 lightbulb moment 01.03.2007 (1st payment to CCCS)..Debt Free Date 25.06.2013 Deposit savings 2,500/30,000
    • Bobarella
    • By Bobarella 24th Feb 13, 7:20 AM
    • 10,472 Posts
    • 69,774 Thanks
    Morning All

    So, today is the last day before payday for us. I am off to work, a long day today for me. Last night I shopped my house, and realised I wont need any meat for this coming week, have plenty in. I am going to challenge myself to spend less than 30 on food in the coming week. To include bread, milk, veg etc. I suspect I can do less than that but dont want to get carried away.

    Dont think there is anything else I will be doing today, just getting through till bedtime!

    Good luck all.

    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 56.58 2016-62.28 2015- 84.20)
    RYSAW17 1900 2016 2,535.16 2015 1027.20
    • determined new ms
    • By determined new ms 24th Feb 13, 7:44 AM
    • 6,830 Posts
    • 39,981 Thanks
    determined new ms
    Morning early birds sorry to hear you have to work Bobarella. Hope in terms of workload today you have enough to do that work speeds along at the lovely working efficiently pace (dragging or so much you're stressed is no good!). Candy enjoy your day in the big smoke!

    Me I stupidly woke up at 6.30 tried to pretend I was still asleep but alas it wasn't kidding anyone.

    Things for the day:

    * apply to change my account for the 123 one (need to add oh to the account too)
    * more painting - yesterday we did a whole day and we really came on heaps and bounds. I keep saying it'll soon be done but all that needs to happen now is, painting the woodwork - which we will be doing today. Tiling & sealing which will be done on Thursday. Installing the new wood burner effect fire and finding blinds
    * all meals from stores
    * possibly go to the gym with a free pass - snowing hard so looks very unlikely!
    * maybe have a walk this afternoon and stop in a local for a pint. Depends on how cold it is! ditto!
    * hang up some washing & do another load
    * list a couple of bits on ebay
    * post a TV on freecycle
    * iron clothes for work tomorrow
    * do some sewing of quilt nearly finished
    * have done a meal plan for the week & a shopping list. Will see how long I can go before going shopping - although have no veg....
    * NSD
    * used yellow stickered bernaise sauce with dinner

    Ok that's my lot. Happy Sunday x
    Last edited by determined new ms; 24-02-2013 at 7:24 PM.
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • katy_ann
    • By katy_ann 24th Feb 13, 9:18 AM
    • 1,010 Posts
    • 5,419 Thanks
    Morning guys Sorry Ive been a bit AWOL the last few days, Ive had some amazing news, Ive managed to come off of my DMP as I recieved an annual bonus from work that has allowed me to clear a big chunk of my debt. I can now make minimum payments and Im going to start PADING to Im so happy Anyways list for today;
    • OT at work 11-4
    • NSD day (out of my weekly money)
    • Load of washing and hung up to dry
    • Car share to work
    • B/L/D from stores
    • Need to get some bread and cheese for sandwhiches for the week at work
    • Make money, not spend it!
    Have a good day all! x
    Officially Debt Free on 10/12/2015 | Married on 02/07/2016
    Mummy to a little prince 25/11/2016

    2 Savers Club 2018 No.25
    • MinnieMousesMummy
    • By MinnieMousesMummy 24th Feb 13, 9:24 AM
    • 1,287 Posts
    • 13,340 Thanks
    Good morning, I eventually decided to venture out of bed after lying awake since 6:30am. Its a rather dull day here today, although at least it is still dry (at the moment). Having a busy day in the house, as waiting for Mr A delivery (booked an 8 slot as it was cheaper)

    My list for today:
    • All meals from stores - roast chicken for dinner
    • Check clothes that are hanging up to dry and add to the iron pile
    • Surveys (remember to check one poll)
    • Check postcode lottery
    • Schedule and sort out work for this week
    • Do some of the ironing pile
    • Catch up with emails
    • Put ironed clothes away
    • Help ds with his homework
    • Do some course work
    • Get kids bathed and into bed at a reasonable time
    • Wait in for Mr A delivery
    • Submit S&S information
    • Sort list for tomorrow
    • Sort clothes and bags for tomorrow
    Last edited by MinnieMousesMummy; 24-02-2013 at 8:21 PM.
    • determined new ms
    • By determined new ms 24th Feb 13, 9:46 AM
    • 6,830 Posts
    • 39,981 Thanks
    determined new ms
    congrats katy_ann amazing news. so pleased for you!
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • mary hinge
    • By mary hinge 24th Feb 13, 11:01 AM
    • 1,525 Posts
    • 7,135 Thanks
    mary hinge

    Late start in the Hinge household after a very much disturbed night, DS1 decided sleep is for whimps!


    All meals from stores, gammon egg and chips for tea!

    Relook at SOA for dmp review, 1 year in and the figures still look ! 1848 paid off many many more 's to go!

    NSD as too cold to go out and I'm much too grumpy!

    Meal planning and shopping list to do for next week, must stick to the budget, must stick to the budget, must stick to the budget!

    claimed 10 amazon voucher from Nielsen for my phone app, will go in the pot for birthdays and xmas! will also tackle the mountain of surveys waiting in my inbox.

    Fight Mr H over the heating dial and put on plenty of layers.

    Have a good day all!

    Mrs H x
    • Chrisblue1962
    • By Chrisblue1962 24th Feb 13, 12:09 PM
    • 1,147 Posts
    • 1,831 Thanks
    Yesterday and today I have been re-jigging my monthly budget spreadsheet.

    I always find it difficult to stop budget "leaks" - small purchases , usually just a couple of pounds here and there on things like postage , tin of dog food , milk , etc.

    So , i order to stop this , I've started keeping track of exactly what I spend cash withdrawls on so at the end of the month I'll consider whether I need to have another budget item such as "Sundry Groceries - 20.00".

    I've also decided on Monthly Piggybanking for Car Maintenance , small Emergency Fund , Medicines & Dentist , Christmas Fund and... a Holiday! .
    DFW'er - Lightbulb moment : 31st July 2009 - 18,499
    26th December 2017 -
    14,554.00 - 21.3% paid off.
    Demolishing my House of Debt.. one brick at a time!!
    Thinking of spending???..YNAB says "NO!!!!"

    • Pernicious
    • By Pernicious 24th Feb 13, 2:34 PM
    • 1,786 Posts
    • 8,895 Thanks
    Hi everyone,

    Today I have/will:-
    • B/L from stores
    • Free dinner at the parentals
    • Log calories using free app
    • Checked postcode lottery
    • Charged phone via pc
    • Heating off as long as possible & on low when needed
    • Check online banking
    • Check for new mystery shopping opportunities
    • Enter some comps
    • Bit of decluttering & flylady so we stay on top of it
    • Clip the bun's claws ourselves rather than going to the vet for it
    • Check DH's fleabay, some items ending today, will relist anything that doesn't sell as well as some on my account that I didn't end up relisting last week
    • Bake some cookies
    • Washing on eco setting using less than the recommended dose of washing liquid
    • Hang up to dry
    Have a great, MSE day everyone x
    Last edited by Pernicious; 24-02-2013 at 10:46 PM.
    Debt at July 2012: 12,862.57
    Current Debt: 0
    100% paid off!
    Savings Goal for November 2016: 5000
    Current Savings: 1176.24
    23.52% Saved!
    • foxgloves
    • By foxgloves 24th Feb 13, 6:23 PM
    • 4,022 Posts
    • 20,699 Thanks
    Evening all.....& a freezing cold one it is, too, here in the Midlands.
    This weekend has been pretty good on the whole, apart from the extra heating I've been putting on as it's sooooo cold.
    *Shopped yesterday (2 off new supermarket offer)
    *Free coffee at a local coffee shop (loyalty card)
    *Snowdrop walk - free. We did buy coffees & cashier gave our loyalty card an extra stamp for venturing out in the cold! Snuck out 2 llittle home-baked cakes to have with it, brought from home. Took packed lunch too. (Our coldest picnic EVER!)
    *Did a competition & a survey.
    *Bought gorgeous top in 'Monsoon' with my giftcard, so therefore counts as free top. Picked up details of their discount scheme where you take in an old Monsoon garment & get a 10 discount off a new one.
    *Found pretty summer top in charity shop - M&S 'Per una' - only 3.50. A size smaller than me, but bought it as a goal garment as I plan to continue with the weight loss & I can get it on, it's just a little bit tight over the muffin top!
    Think that's everything for me - We've had pretty much a relaxed peaceful weekend.
    foxgloves x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 714-70
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 244
    • allydowd
    • By allydowd 24th Feb 13, 7:03 PM
    • 4,095 Posts
    • 26,193 Thanks
    Old car has just been towed off to the great scrapyard in the sky. Got 80 for him. Better than nothing.
    Debt-free day: 8th May 2015
    The Joy Account: 500

    Bold Bicycle Bonanza: 93.01 km
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • ziggy2407
    • By ziggy2407 24th Feb 13, 7:45 PM
    • 3,085 Posts
    • 23,343 Thanks
    Good Evening my Lovelies

    Haven't left the house so another feeble list for today

    Check Banks - Done
    Check swapits - Done
    Check - Done
    Sort craft room -
    Up to date on emails - Done

    Surveys - Done
    General Tidy Round - Done
    Meals from stores - Done
    Read or Knit - 75% cushion complete
    Enter a few comps - Done a few

    Love to you all

    C xx
    It is better to take many small steps in the right direction than to make a great leap forward only to stumble backward. (Old Chinese Proverb)

    Make 5 per day in Jan 18: 491.91/155 Make 5 per day in Feb 18: 51.40/140 Make 5 per day in Mar 18: 150.36/155 Make 5 per day in Apr 18: 93.25/3150 Make 5 per day in May 18: 8/155
    • josiebabie
    • By josiebabie 24th Feb 13, 7:54 PM
    • 1,223 Posts
    • 6,512 Thanks
    Evening all

    Not much for me today as I spent all day (8am til 5pm) with a friend with family troubles. I still acheived this though:

    - Checked bank
    - Managed to keep out of spending trouble as friend decided on a whim she wanted to go to local safari, when we got there she realised it would be 120 for all of us (2 adults, 3 kids, 1 free) so we turned around!
    - Fish n chips for lunch and cake. Spent the last 9 I had for this months budget on our share, but get paid on Tues
    - Baked cakes for lunches
    - Made up the weeks porridge pots
    - DIDN'T IRON ANYTHING Need to work out how to make two shirts last the week, mix with smart tops/dresses
    - 1x HC
    - Bathed DD and tricked her into bed by 6.45
    - Checked 0% BT has been done 24.9% card empty 0% card full
    - Treat myself to a bath this evening - that sounds awful!

    Thats me plus an early night tonight, heres hoping I might get up early and not get ready in a rush tomorrow.

    Nothing to report as yet...give me a minute...!
    • determined new ms
    • By determined new ms 24th Feb 13, 8:58 PM
    • 6,830 Posts
    • 39,981 Thanks
    determined new ms
    Finally finished the binding. Very pleased with the results and just in time, am visiting my bff and her family on Thursday
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • little pink purse
    • By little pink purse 24th Feb 13, 9:33 PM
    • 866 Posts
    • 3,975 Thanks
    little pink purse
    thats stunning dnms

    i also like the pic of the cake yum xxx
    nsd may /10
    feb fuel and food budget 350.00

    debt total highest 66k now 65k
    FIRST DEBT TO BLAST 2142.95 /
    • determined new ms
    • By determined new ms 24th Feb 13, 9:49 PM
    • 6,830 Posts
    • 39,981 Thanks
    determined new ms
    awwww thanks LPP! Am very pleased with myself
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
  • zymotik
    Since my brother installed us a log burner, I've been saving money by spotting pallets and burning them.... I've been chopping them down all day. Then I found this handy little guide to making things out of pallets too: I fancy giving it a go!
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