09 Mar 2015

A question about : Thursday 17th January

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. title=Big

So be proud of those small steps, they really are important. title=Top

Best answers:

  • Good Morning my lovelies
    La E - PM'd you
    Hi to all the regulars and lurkers and a BIG welcome to all the newbies, this is a really FAB thread with so many lovely, caring, considerate and supportive people - and I am proud to call them my friends.
    Today's small things:
    Check Banks - Done
    Check swapits - Done
    Check www.freepostcodelottery.co.uk - Done
    OH & LO packed lunches - Done
    General Tidy up - Done
    Work (11.30-2.00) - Done
    Hairdresser at home - done
    Exercise - just walking
    Up to date on main email account - Done
    Surveys -
    Filing & Shredding -
    Update Food Tracker - In progress
    Meals from stores - Done (we've all had something different but cooked at same time, using up lots of odd bits)
    Decluttering -
    Enter a few comps - Done a few (rec'd email today saying have won a wii fit plus & console)
    Read/Knit -
    Craft with LO -
    Have a great day, love to you all
    C xx
  • Goooooood morning!!
    Don't know why, but I'm in a good mood this morning
    15p away from my Ј40 target on onepoll
    Made my swagbucks target already today
    Bought a pot noodle for lunch today Kitchen was a mess last night, we are ripping off the end wall So it was in no state to cook
    Heading to poundland at lunch to get some dog poo bags and sugar. Might see if I can grab the Ј3 off a Ј13 spend if anyone has a Sun paper.....
    Will check banking
    Dinner from stores tonight
    Need to get a washing done after work as well
    Have a good one everybody! x
  • A couple for me...
  • Check online banking
  • File bills and important paperwork in a new folder to get rid of my mountainous pile of papers in the kitchen
  • Prepare dinner in slow cooker
  • That's it for now!

  • Hello
    Here's me:
    Porridge brekkie
    HM sandwich for lunch
    Quick/cheap pasta for tea - OH is out tonight so it's a bit of an 'on-the-go' sorta meal
    Free cake in work
    Checked banking
    Checked for MS payment
    More of a think about OH's bday
    Ordered few bits and bobs from book seller at work - OH's bday and niece's bday in July - Ј8 spend
    Ziggy - shall PM you in a wee bit
  • Hi everyone
    I failed at NSD yesterday having forgotten to bring my soup to work so had to shell out Ј4 on a sandwich still, it was a nice sandwich!
    I also almost went to the chinese on the way home and even walked past it but was good and avoided it!
    Have remembered soup today so will have that - have nothing really decent in for tea so might just have pasta with cheese as am out for lunch tomorrow which will be at least Ј10 and out for drinks tomorrow night (lime and soda for me as doing dryathlon) but will probably treat self to a chinese on way home given it's a friday and I'm not spending drinking.
    Silly boy still not been in touch so trying hardest not to text but given it's my only hope of a bloke at the moment it's pretty hard - then again, do I want someone who seems not that bothered?!
    Also making the most of free tea/coffee and heating at work
  • Afternoon everyone. Thanks ziggy for starting us off
    at the Ј4 sandwich, lulabelle
    Just the usual stuff for me today. Left the car at home and walked to the station, picked up the free paper to read on the train, made sandwiches for work etc etc.
    Managed to rejig my meal plans to allow me to have a NSD yesterday, but definitely need to go to Aldi on the way home from work. I will stick rigidly to my list though, and I've brought my own carrier bags with me so I dont have to pay for new ones.
    Have a couple of geocaching events booked for the weekend - one tomorrow night in Coventry and one on Saturday morning in Leicestershire; but I'll have to see what the weather is like. The forecast is for lots of snow, which may mean I just stay at home rather than risk the travelling. Will save me the petrol costs, and I'm more likely to eat properly (and cheaply) if I'm at home, but it'll cost me in terms of heating, so I guess its all swings and roundabouts.
    Have a great day everyone
  • Hi everyone,
    Thanks for starting us off Ziggy. What are you making with your LO today?
    Zepsgal - Glad to see you're in a good mood! Hope it rubs off on everyone else
    Lulabelle - Quit that line of thinking right now! He is not your only hope. I don't know the full situation but my advice is not to stress over it, sounds like early days still so don't worry just carry on living your life to the full & things will work themselves out.
    Today I have/will:-
  • Manually scraped the ice off the car, was really stuck on again today...No, I must resist buying some deicer spray!
  • B/L/D from stores
  • Made use of free water & cake at work, but only a small slice as 2013 is the year I will drop these last few lbs
  • Staying in for my lunch break to avoid spending
  • Log calories using free app
  • Check postcode lottery
  • Charge phone at work
  • Heating off as long as possible & on low when needed, although this is getting more difficult with such low temps at the moment
  • Check online banking
  • Check for new mystery shopping opportunities
  • Enter some comps
  • Need to fess up on the GC thread
  • Check Gumtree & fleabay
  • Continue reading household diary thread & making my own freezer inventory/filofax sheets etc.
  • Make up another DIY porridge pot for brekkie tomorrow - super cheap & filling!
  • Do some surveys
  • Rejig meal plan now that the kitchen is back in full working order for cooking!
  • "Free" guitar lessons tonight on Rocksm1th, thanks to my DH!
  • Hope everyone has a great, MSE day x

  • thanks pernicious but really it is - I live in a place with NO (decent) single men and he's a blast from the past I had high hopes for - seems it's not to be
    yes Ј4 for a sarnie - crikey BUT it was soooooo nice! Have had soup today but really hungry and trying desperately not to go to shop by work to get chocolate (there is no cake here today which is unusual!)
    Have not got much in tonight but trying to avoid going to supermarket so will either be pasta and grated cheese or cheese and biscuits - not the most nutritious but mse and will make a list tonight and meal plan for next week and make sure I do a proper shop on saturday
  • Did somebody mention wanting a decent single man?
  • Short post as no proper internet allowance til tomorrow.
    Good news:
    Will be getting Ј1000 in my account I wasn't expecting in March.
    Getting a payrise after work appraisal from April above inflation.
  • ha ha - nice one Karb!
  • Hi everyone
    Sorry for my late post - I am determined to post though, even if it means staying a bit late at work!
    Things for today:-
    Check bank
    Email friend
    Meal plan
    All meals from stores
    Sort washing into 2 loads ready for tomorrow
    Start planning jobs for the weekend to avoid going out spending!
    lulabelle - I feel your pain!
    Stay nice and warm all.
    xxx
  • Hey guys,
    My apologies for the weird post last night. I'm not feeling too good and a bit of a to-do at work just killed me off.
    Thank you to everyone for sending me hugs/pms/thoughts though. It was much appreciated.
    Today was better though. Thing at work deemed not my fault (phew). Also my mum finally agreed to go to the doctors (who told her off for not going sooner) so that was another weight off my mind.
    Thanks again guys
    EDIT: I just saw that I've earned my second star! Woooooo
  • Good to hear you sounding brighter today carrie
    Stopped off at aldi on the way home. You'd think it was wartime. No bread or buns left whatsoever and hardly any fresh meat or fruit or veg. All because a few inches of snow is forecast. Madness!
  • Hi all!
    Lullabelle I really feel for you! My OH who I have been with "officially" for a year now ("unofficially" for two and a bit ) but he was very much like that. Boys are a nightmare!
    carrie hope you're feeling better today, I hate it when work stresses out your home life! I had a dream about work last night and went in expecting a b0ll0cking!!!!
    Anyways, this is/was me today:
    - Checked banking - still no maintenence!
    - BLD from stores
    - Left purse at home
    - Borrowed Ј50 from DB incase money doesn't clear tomorrow - ex says i'll definitely have it by sunday, but I have a wedding to go to tomorrow night and shopping to do!
    - Watching TV with DD prepping her for having her teeth out tomorrow by feeding her lots!!! (General anaesthetic)
    - Snuggled under duvet again
    - Surveys
    Well everything hangs on ex paying his maintenence at the moment, when he said he would pay it when he was back from holiday I'm not sure why I expected it within a couple of days of his return. It's now day 6 and still nothing, I should expect this seeing as he was the one that ran up the debts then took no responsibility when we split up. He did it to his ex wife and no doubt he's doing it to his new girlfriend as well.
    Ho hum
    Jo x
  • yep, I sent him a text about 230 and no response! I just don't get it - he's the one who's been acting all keen. I do wonder if he has someone else on the go - men can be rats!!!!
    grrrrr!
    oh well, better move onwards and upwards - going on holiday with great friends in a few weeks and that should be so much fun! His loss - no wonder he's still alone past age 40!
    I've also had a NSD - soup for lunch, pasta/cheese and biscuits for dinner and then some chocolate - managed to get 2 x boxes of xmas belgian chocs for 75p each in waitrose (where I live we don't have any other supermarkets - I live on a rock!)
    I had thought I'd be able to save a couple of hundred quid this month as I wasn't going out or really spending but a flat I have and rent out apparently has some problems and its going to cost me Ј150 to sort
  • weekly shop today so not a nsd,but expect to be snowed in for 3 days now so will make it up :-)
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