Monday 23rd June

A question about : Monday 23rd June

When we start out on the Debt-Free Wannabe 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.

Best answers:

• Morning folks
  My plans for today are:
  Charge phone at work
  Packed lunch
  Dinner from leftover roast chicken
  Hide enough dinner to do my lunch tomorrow
  Adpoints
  Nectar surveys
  Figure out why I have less money than YNAB thinks I do
• hi guys
  well bit of a hectic morning ... boys just realised that they left thier scooters at school on friday night when thier dad picked them up, ive called the school and it looks like there is only one there now
  anyway supose i will find out tonight
  DFW things today are
  packed lunches for boys
  pack lunch for me for next 2 days from stores
  charge phone at work
  check online banking
  check track it for barclays complaint
  post ebay stuff off that sold over the weekend
  try to stay away from the shops for 3 NSD in a row .. hopefully
  hope everyone has a fab day ...
  lisa x
• I need to get back on it now... 9660 to pay off, really would like to do at least 3000 by christmas then rest next year.
  So...
  Already I have...
  Done surveys, adpoints, checked banking
  I need to:
  change broadband supplier today!We can get a good deal if we switch by Thurs! - just rang old supplier and they have matched new supplier yayyy!!!!
  Have a LSD
  Pay in a cheque
  Just posted something from Amazon and got a call asking me towork tomorrow morning Feeling like this is turning out to be a great day!
  Hope you all have a good day...mumoftwins really hope other scooter shows upx
• I forgot to add to my list that I have things to post for my RM surveys. I'm missing one envelope but as I'm now swimming in stamps I'm sure I can cope with sending one myself and finding the other one in my house sometime soon!
  I'm puzzled with my money in terms of YNAB. I don't think I have extra money but I seem to have some left over. I'll need to hide my wages somewhere for a day or two (I get paid on Friday and my new YNAB month starts on the first) and see if that helps. I'm going to be over budget for food anyway this month. Bah!
• Hello all,
  Hectic weekend with poorly hubbie out of action so didn't manage to post (and fell asleep on sofa three nights in a row).
  Back at work today so earning not spending. Sons are at home, son 1 works Thursday to Sunday, son 2 has just finished sixth form college.
  So this morning I just had to make my own packed lunch - yay!!
  Have checked bank accounts, all is well. Hubbie's wage has just gone in and I'm hoping we can, with careful planning, manage to pay the deposit on son 2's university accommodation (approx. Ј600) without going further into debt next month. We are going to look at a room in a shared house on Saturday (he can't go into halls as the place he is going to don't have any so we are looking at rented rooms).
  Son 1 has promised to do a slow cooker Bolognese for tonight.
  Not planning any spends today.
  Bets wishes to all x
  Still haven't updated my signature!!
• Hello all!
  Right today I -
  Found out I have been successful for a job I applied for!
  The DFW journey starts now. Funny, I didn't even consider myself 'in debt' because I have a 0% overdraft of Ј1.7k (student lending ) and a student loan overpayment of about Ј2k, 0% and not on credit file.
  Even though these are 0% they do actually feel like a burden on me. I can't enroll at Open Uni apparently until my overpayment is paid back, and I don't feel good about having Ј1.7k overdraft debt!
  Only annoying thing is I'm going to be starting on 18th Aug (my choice) so as to finish my CAB training. So I mustn't celebrate too soon
  Instead today I will:
  - Track down how much I owe and create a plan of how much I'm going to pay off.
  - Set up first direct internet banking plus
  - Update our budget to reflect having two incomes, and just generally update expenditure
  - My job is with an insurance company so I get 1/2 price insurance with them, so going to get quotes for home, pet & car
  Good luck all!
• Hi everyone Thanks for the kick off today moomin
  hurrah to it being a beautiful day and Monday being over seems weird just having 4 days left at work the last 4 weeks have draaaaaaaaaaaaaaagged but now it is weirdly here and lots of ends to tie up....
  solvencyseeker hope dh is on the mend. I fell asleep at 7 on the sofa last night too. Was just planning on resting my eyes but it turned out to be the full blown sleep!
  hi ellesbelles
  DFW things for the day:
  * checked banking
  * got dd to give me 50 pound for things I have paid for for dgd and bits for this week
  * NSD
  * submitted expenses ў200 (no ipad so cant work out pound sign!)
  * all meals from stores
  * made prawn curry using veg in need of being used!
  * packed up bag for dgd & childminder tomorrow - trying to be more organised!
  * got mince out of freezer for dinner tomorrow - will put in the SC in the morning
  * cancelled workman for today to do things in bathroom. We have decided we can do it. Saved ў180
  * make sandwiches for lunch tomorrow
  * put a load of washing on so I can hang up in the morning
  * colleague bought me a pity lunch. I took it without any shame!
  think thats my lot. Have a lovely evening
• checked banking,
  adpoints
  NSD
  baked brownies,
  leftovers for tea
  packed lunch
• Sorry for the late update gang!!
  Home in Wales for my days off, so today has been spent at the beach with a mate, visiting my Non at the hospital and chilling in the garden with Mam and Dad!! Happy days!
  The Bank of Dad has filled my car with diesel and washed it for me happy days!!
  Other than that - not an awful lot achieved... Great day off!! A NSD though - so all is good!!
  Hope everyone is well!!
  Love, Shoot xxx
• Good morning everyone, I never got around to posting yesterday due to being very busy with work.
  DNMS - Thanks for starting the thread off this morning.
  List for today (won't be a very mse day for me as need to get car ready for mot)
  Check banking
  Do work that is in diary for today (working from home, so will save on fuel)
  Check onepoll
  Working on laundry mountain
  Get wipers and tyres for car
  Get DH to check over the car ready for tomorrow
  All meals from stores
  Take dd horse riding
  Do course work that is in for today
  Nectar adpoints
  Schedule new work that has come in
  Contact company that is doing uniform to see when it will be ready (I feel like a kid waiting for Christmas)
  Look into RM surveys (Anyone know how I sign up?)
  Start making a list of how much is owed and where
  I think that is everything for today, Hope everyone has a good Tuesday x
• Today I've already checked my online banking - Haven't spent as much as I thought I did.
  I've also put some DVD's I don't watch on facebook selling groups and gumtree