Ding! Ding! All change, please... (now replaced with new diary on MFW)

milann

I’m another who has used up bits from the fridge tonight. I made a savoury rice using mushrooms, onions, peppers from the bottom of the fridge along with some frozen peas and sweet corn and the remains of a pack of ham cooked together with rice and turmeric. Twas very tasty 

enthusiasticsaver

I am afraid I do write passwords down precisely because remembering them all and their different formats is impossible unless you use the same for everything (not advised).  I don't save it on my laptop though and just keep it in our safe.  Password protected spreadsheet sounds good so long as you can remember the password.  I tend to do two factor authentication using face id and authenticator apps. 

savingholmes

The B saver was the one you guys guessed.

Food sounds tasty as ever EH. 

EssexHebridean

The spreadsheet is a decent idea it has to be said - as it is I tend to have a "set" of passwords of differing levels of security which get used for various things - alongside other factors that means I'm striking a balance between "using the same password for everything" (not ideal, obviously) and having completely unique ones for everything which simply isn't practical if you need or want to keep them in your head. 

The stir fry was lovely - honestly, mince is a much undervalued stir fry ingredient IMO! I still haven't decided whether it will be pasta or risotto for tea tonight mind you - I think I'll just see what we feel like later.  Just got the email from the C0-0p advertising their current freezer deal for £5 too - which looks like it could well be reasonable value for us IF any of our relatively small local stores have the stock, which they may not.

The new agent has been round and seen MrEH this morning and the photos are done. He was very honest and said that he was going to take them on his phone as they often find the results are better that way for interiors than a "non-photographer" will get using a "proper" camera - something I can't disagree with. At our point in the market no agent will (understandably) be paying a professional photographer to take the shots and in my experience phones can be great for interior shots these days. The sun was out this time which should mean an improvement too, hopefully. He's also been right round and done the floor plan while he was there with measurements all taken, and has taken a note of our issues with the EPC and so will be able to pre-empt any concerns that potential buyers may have relating to that. Oh, and he asked for ID for AML checks - which is something that Agent 1 never did!  All in all MrEH's impression was "far more professional" than agent 1 - who realistically we mostly went with originally because of hoping to be buying through them too. There are now three further properties that we would be interested in viewing I think if we get to the point of accepting an offer on ours - as well as going back for a second viewing on One Careful Owner which still remains a point of interest. It's beginning to feel a bit positive, at least. Last week's low offer chap hasn't come back on it at all - frankly we wonder whether the agent had lead him to believe that we might be desperate enough just to accept his offer. 

5th consecutive day of yoga yesterday - as well as cycling to the office from the car, a walk at lunchtime, cycling to the gym, doing my strength stuff there and then a really tough cycle back to the car afterwards - it's basically uphill all the way back anyway, and last night I had a pretty stiff headwind ALL the way back so it felt stupidly hard work! Legs did feel quite tired this morning I must admit, and the traffic was grim too so I only got my basic cycling in just to get me to the office as close to on time as possible. Today will be a little lower intensity with my usual lunchtime walk, the cycle straight back to the car later, and I plan to do another yoga session tonight too. 

If the weather stays decent I may cycle to the gym tomorrow morning, although I'll see what else I need to fit into the day - dropping the foldy bike off for them to have another go at sorting out the gear changing issues is a possibility - I've emailed them to check it's OK and am waiting to hear back. if I am dropping it off then doing that at the same time as going to the gym might be most sensible, which means using MrEH's car. 

Banks checked and all fine - I think I'm nearing end end of my comfort zone on holding off paying the laptop/camera off the CC now - although the payment date isn't for another 10 days I'm wary of the risk of forgetting about it - although I guess I could just set a reminder on my phone to do it next week... I may compromise and do the laptop (which doesn't need money taken out of my long term savings pot) and leave the camera until nearer the time. 

lucielle

Well done sticking to the exercise regime!!  Fingers crossed this agent come ups trumps and the flat sells.
L

badmemory

A very old computer that still functions but may be a problem online is a good place for spreadsheets of a private nature.  All my financial things are on that one.  Info to access is in the box marked what you need to do if I can no longer do it.  As in dead or dementia.  I update every 6 months.  I keep telling DS but he just doesn't want to know, which is a problem, but at least he knows the info is there.

Makingabobor2

@badmemory, your DH sounds so like mine. I have a book that I have written all our account numbers and how much we pay for different DD's every month etc and shown him where all the passwords are etc, but he just thinks I'm stupid and am attracting negativity by doing this. What is it about men not wanting to be prepared?

lucielle

I’ve had the same chat with mine. I do wonder if any of it stuck in?  

L

EssexHebridean

I had a similar sort of chat with MrEH a few years ago - at that stage I was essentially running our finances and he just left me to it - which was fine by both of us in real terms, I didn't mind doing it and he had no interest really, he was happy to go along with the savings/changing suppliers for things etc, but didn't have the motivation to actually do any of it himself. Then we had a lady turn up on the main DFW board who'd Husband had just died - completely unexpected, no warning at all - and she wasn't posting because she was in debt as I recall, she was posting because she quite literally didn't have the first clue about any of it. IIRC she was in her 70's, and her Husband had always done everything financial, paid all the bills, liaised with suppliers, the bills were all in his sole name. She'd never worked and her bank account was literally just her own pension plus the extra he transferred to her for the housekeeping - and so when she informed the bank that he'd died of course they stopped his account as you'd expect - and that left her with no way of paying anything above her own pension amount.  It was incredibly sad, and also a real wake up call. I said to MrEH the same day that we were going to start running through things and he HAD to have a better idea of what went where, when and how. Since then we've done the periodic "financial summits" which work well. 

Just asked MrEH to read the gas meter so have submitted that one to the Octopods - 49 days since the last one apparently, tut tut, bad me! Our gas use is SO teeny that it doesn't really worry me massively though to be honest - I'll have to get used to remembering monthly readings for that as well when we move as hopefully we'll then be using gas for heating and hot water so we're going to see quite the reversal of those teeny tiny bills!

I've also just asked him to get a tub of chicken stock out of the freezer - it'll be risotto for tea then! 

Makingabobor2

That is exactly the sort of thing that worries me @EssexHebridean.  DH goes to work and earns the money, his pay goes into our joint account and then a certain amount is sent back to his personal account for his petrol for work and personal spends. All DD's come from the joint account. Now you'd think that because it is a joint account, he would have at least looked at it sometimes....but oh no... we have been with NW for 8 years now and he hasn't even bothered to go online and have a loot at it AT ALL..... I know all his pin numbers and passwords, but he has no clue of what mine are. He also never has a clue how much money is in the account, or any of the savings accounts. Its does worry me a lot. But not sure what I can do other than give him a good shake and bang his head on a brick wall....lol.  

Maybe I should suggest to him that we have financial summits. How often do you have them? If I did it too often he would get very fed up I'm sure.