Monday 4th January 2016. What DFW stuff will you do today?

Baileys_Babe

Hello everyone and thank you Maria for the start.

Cool, damp and misty and thankfully I have no plans to leave the house.

This afternoon ds & OH are joining 5 other members of our extended family to watch Star Wars whilst I stay at home with dd & my niece to play games, make things and read books whilst the three of us cuddle up in front of the stove.

Today I will/have:
NSD
Post on this thread for support, motivation and inspiration
Open curtains fully
Close curtains before it gets dark
Turn off lights and appliances not in use
Meal plan until 18th
B/L/D from stores
make bread, burger rolls for tonight
Check when library books due and decide which we wish to renew and which to return
Check and reconcile bank accounts
PAD into saving £3.66 -1p
Soak porridge overnight, I must get back into the habit of making porridge as it fills me up, it's delicious and cheap, what is not to love
Set DW to run overnight
Set WM to run overnight
Pack snacks for cinema, ds has suggested water, fruit, home popped corn & crisps all of which we can do from stores
Check FPL
Educate children for free
Dry washing on airier
No heating downstairs & minimal heating upstairs, we have jumpers and blankets
Light the stove to burn free wood
Get fibre broadband fitted, same supplier and same price as before :j
Cull 100 emails
Review 4 year finance plan goals
BIL driving family to the cinema

La_escocesa

[FONT=&quot]Hi everyone :hello: [/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]Shhh, I’m ‘working’ [/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]Will catch up with y’all tonight :grouphug: [/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]The story so far: [/FONT]
[FONT=&quot]Cheapo porridge brekkie [/FONT]
[FONT=&quot]Didn’t straighten hair :cool: [/FONT]
[FONT=&quot]Used freebie shower gel :T[/FONT]
[FONT=&quot]OH gave me a lift to work :cool: [/FONT]
[FONT=&quot]Packed lunch w/ leftovers :A [/FONT]
[FONT=&quot]Locked in a YNAB 10% discount and signed up for their annual subscription [/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]Night in tonight – will be a busy bee as need to: [/FONT]
[FONT=&quot]Update website and do a bit of biz promo :A[/FONT]
[FONT=&quot]Sort biz emails and plan classes (although this will probs be tomorrow)[/FONT]
[FONT=&quot]One load of washing and min use of TD [/FONT]
[FONT=&quot]Get some online quotes for blinds :eek: [/FONT]
[FONT=&quot]Consider money situ a bit more and talk money plans with OH [/FONT]
[FONT=&quot] [/FONT]
x

Bobarella

Hi All

Thanks for the start Maria. Very sorry to hear about the poor widower. Thats the last thing she needs right now. Unfortunately I dont have any advice though. It feels intuitively like the costs should be written off but I would imagine someone like CAB could tell more.

Today so far has been nice and easy. OH first day back at work, and my first day flying solo with both the kids! Its funny to think I've never done a full day with them both yet. Son isnt back in school till Thursday so back to normal after then.
It is a NSD 2/21 I hope! We might make it as far as the park but the baby is currently doing a long sleep & son seems happy doing holiday homework so Im on here!

Dinner tonight will be the first of our 2 meat free meals this week, simple pasta & roasted veggies (peppers, tomatoes, onions) melted cheese. Plus some salad.

I've just done a load & hung it out on the dryer, plus washed the kitchen floor, tidied through the house & put away any dry clothing.

Have cleared my shredding basket & decluttered the right number of items for the challenge Im doing again (Minsgame)

Have logged onto banking & checked it all looks ok, plus updated my spreadsheet & spends app.

Plus have PAD'd £10

Think thats us for today

Bob

CallyHoops

Good Morning all


A late start for me this morning, making the most of my last day off.


Have put bins out only to realise that they aren't being collected until tomorrow, never mind it was a free bit of exercise! Already checked banks, not too bad and pay day is Friday so all good.


Today I will mostly be:
Hoovering through the house
Mopping kitchen/hall floor
B/L/D from stores


Then I might reward myself with a movie off Netflix, and a last piece of leftover cake.


Happy Monday everyone.


Cally

Candy0107

Hi All,

No time to read all the posts, so I will have to post and run....

Thanks for starting the thread Maria, sorry to hear about your friend
Welcome to the new posters

Today I have/will:
• Woke up late, so I have had to buy breakfast and lunch
• Freebie coffee via loyalty card
• Drove sensibly on the motorway to work
• Trying to live on £1 per day (excluding bills etc – basically it is spending money – coffee, parking etc)
• Found £1 in the car which means I have been able to stick to my budget for today
• Read papers online
• Charging phone via PC
• Checked bank – no change
• Checked investment & re-invested
• Need to keep an eye on my ebay sales
• When I get home from work, make tomorrow’s sandwich
• Plan/design a top to wear to work – loads of t-shirt material, but I have not yet made any ...... my tops are too short to wear to work
• Try not to panic about changing roles – I ‘leave’ next Friday and they have not yet interviewed.....however, I am only moving to the other side of the office

Think that is about it

Candy

debbie_debt

Morning all,

Maria - is the car finance more than half way through? i.e. if it was over 3 years is it more than 18 months of the way through? If so, she can simply hand the car back with no debt. They don't advertise it, and they don't like it, but you can do it. My law student friend recently did it with her car and although they grumbled she said they've no choice but to take it and wipe the finance. Unfortunately not the case if it's less than half way through the term though.

Well for me today, I couldn't have a NSD because of baby group this morning and needing to buy some butter. But my DFW tasks today are:

Send OH and DD with lunches to work/school
Eat lots of free snacks at baby group :rotfl:
Finish the spaghetti hoops and last bits of bread for toast as lunch for me and the baby
Go to the local big spar shop for butter in the hopes of getting some reduced chicken, pork chops and sausage (they reduce everything at 1pm and it's always full to brimming with reduced stuff) for this week's meals.
Finish some marking today so I get paid for it at the end of Jan rather than waiting till the end of Feb, as today is the cut off date to get it in.
Make hotpot for tea from stores and make a chilli for Thursday with the leftover mince

Think that's everything for me today. A nice easy day at home with the baby :T

Hope everyone has a lovely DFW day! :beer:

Debbie

princess_pea

Hello all, thanks for starting Maria

Back to work for me today too - 10 hour day as I've resumed my extra hours
Not a NSD as I picked up some milk for the staffroom on the way in
Banking checked and everything fine
FPL to do
Finally got the last Christmas present I was waiting for that was delivered to work!


I'm debating whether to take my birthday on Wednesday off as annual leave. OH and I have planned to go for a Nandos on the evening with a voucher we got, then maybe to the cinema so that'll not cost us anything with our unlimited cards. There isn't anything I particularly want to do through the day and if we did decide to do something it would probably cost money/ fuel. I also don't have a great deal of spare annual leave left to last until August so if I don't have the day off I can have two full weeks in the summer.
So, do I go to work and have a slightly miserable yet cheap day or do I take the day off??

debbie_debt

princess_pea wrote: »

So, do I go to work and have a slightly miserable yet cheap day or do I take the day off??

Being annoyingly sensible, I'd probably go to work, but mention a few times before then that it's your birthday in the hopes that someone will bring loads of cakes in to celebrate :rotfl: Then I'd book the nice big break over summer. I never book my birthday off unless I've big plans because of all the yummy cakeyness around at work :T

Happy birthday for wednesday!

Debbie

lego_mum

Thanks Maria for the start, hope your friend manages to get the car sorted.

Hello to everyone else & lovely to see so many new posters

DS2 needed blood tests today so just back from the hospital so time for a cuppa and catch up on here

My list today
Health & Fitness plans (lose this weight once and for all, no fad diets ever again!)
:starmod: Gym class – aiming for 5 a week (works out to less then 80p/class!) :A
:starmod: Fill water bottle at the gym :A
:starmod: Walk at least 7000 steps to get bounts points :A
:starmod: Eat for health :A
:starmod: Drink water through the day :A
:starmod: Monitor fitness goals etc using my fitbit daily & adjust when needed :A


Daily jobs:
:starmod: Wash a load at 30 degrees :A
:starmod: Hang washing on the line if dry/radiators if not :A
:starmod: Check banks/update spreadsheet :A
:starmod: Delete junk from emails
:starmod: Clean & tidy fridge (make sure we don’t waste anything) :A
:starmod: Plan today’s meals from stores :A
:starmod: Make families lunches for tomorrow :A
:starmod: Minimum heating on (set for 30 mins before dh gets up), plenty of blankets & jumpers available :A

Tidy home = Tidy mind
:starmod: Hoover carpets
:starmod: Clean the kitchen using minimal products

Money making schemes
:starmod: Inbox pounds 5 searches
:starmod: Swagbucks
:starmod: Check Fpl
:starmod: Check luckyphone :A
:starmod: Check for surveys

Freebies/vouchers/offers
:starmod: Check 02 priorities
:starmod: Check tcb/quidco
:starmod: Check cos/shopit :A

Extras
:starmod: Tidy freezer :A
:starmod: Check car mileage :A


Lots to do so better get on

Have a good afternoon all.

cowboymum

Sanctioned_Parts_List wrote: »

Sadly yes, she'd be liable whether it was in her name or not. The debt forms part of his estate, and in calculating its value, the balance of assets and liabilities is totalled up and passed to the people named in his will (if he has one). Being his spouse, even in the absence of any will, she'd automatically be passed his entire estate.

His estate can be a negative number.

So while she's entitled to his house, savings, possibly any eligible pensions... she's also stuck with a bill for a car she doesn't want.

Oh I didn't realise that. What a nightmare for the poor lady.