Hi everyone,

Just wanting to get some ideas from dads (or mums) on what dad and bub can do together. My bubs dad is really really keen to be activly involved and was thinking of getting a gift voucher/membership to an activity. So far I can only think of Swimming lessons or a music group. But dad is rly into sport so was trying to think of somethign on that line. If anyone has ideas or specifically in Adelaide whats available that would be a great help!!

Swimming lessons is a good idea. When DD was in swimming, DP would take her and it was the cutest thing seeing them in the pool together.

DF is an outdoors guy, so we got DS all sorts of sports things and outdoor toys. DF works with heavy machinery, so DS loves playing with diggers and dump trucks with Dad cos he relates this to daddy at work.

We have rugby ball, soccer balls, bouncy ball, hockey stick (lil one for DS), mini plastic golf set, etc and also cones to put down as goals etc. DS can throw great and he has amazing hand-eye co-ordination. He can hit the hockey and golf balls with the sticks. DF also does all of our gardens, so DS has all the mini garden stuff to help dad. They do a fantastic job! DF is quite a shy person so acitivties like swim classes aren't really for him and after working long hours he doesn't have the energy for it. They also go for walks to the shops together, clean the car, sweep the garage. I make an effort to stay inside while they have their time together, or I go out for the day.

DF does take him to watch rugby and he has been to the races for the day too.

They aren't really activities to go out to, but still ways your bubs dad and bubs can do things together.

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Understand bankruptcy before you need it and you may be able to avoid it. You may also be more confident about getting through it if you need to. <br />
<br />
Cost/Benefit analysis is thought of as a Business Procedure, but you are in the business of remaining solvent if possible. Your Family and Yourself could have no more critical business to attend to.<br />
<br />
LET'S START AT HOME<br />
<br />
What is your Day? What do you spend your time doing? <br />
As the grip of debt grows tighter, time is what you have to spend; some days it may be all you have to spend. Roll with it. Panic doesn't solve anything. <br />
The basics of course are:<br />
* Water<br />
* Food<br />
* Shelter.<br />
<br />
We take water for granted, but that's a different subject. Once your children (family) are fed and sheltered, in a sense everything after that is extra.<br />
<br />
Believe it or not one of the next priorities is 'entertainment', not TV, Dancing, Big Screen type entertainment. I mean, what do you do with your time? <br />
<br />
MONEY vs TIME<br />
<br />
Most of our society is trained that entertainment means, 'Where should we spend our Money'. The kind of entertainment I mean is 'How should we spend our TIME?' Those of you with small children realize that sometimes it doesn't matter how much you spend, sometimes it just ain't 'entertaining' to the audience. <br />
<br />
Sit down with everyone in your Family that 'spends' money and discuss the daily expenditures. Write them down. I know we've all heard that before, 'Write down where ever penny goes'. It really will open your eyes to corners you can cut. Prioritize these possible reductions.<br />
<br />
Analyze your day, making decisions as to 'necessity', 'entertainment value' and 'cost per hour of entertainment'. Things like 'Should we give up the daily and weekend paper? That $12 a month could be spent better.' But when considered as the hours you spend reading the paper, Sunday Comics, Editorials etc, is $12 a month expensive? You've done something you enjoy for Hours a week. <br />
<br />
Is it worth Buying DVD's? Again, I don't know about you, but I don't buy a DVD or CD unless it's something I know I'll watch or listen to many times. I consider a Classic Movie, especially with 'Special Features' to be a very enjoyable use of time, every time I watch it.<br />
<br />
Is it worth paying for Cable TV or Satellite? A good internet connection is something I consider a basic necessity. I use DSL and get my phone bill from the same company. Depending on the area in which you live, the combination may be Cable + Internet, or Dish + whatever, you will make that determination as part of the Plan you are going to formulate before you finish this document. My Cable system uses a tier system and it is quite a financial jump to go to a higher tier to get 1 or 2 channels. On the other hand they also offer Hi-Speed Internet. <br />
<br />
For the sake of educating our children I put quite a bit of 'weight' on access to a good internet connection. We can't go to the Library 5 times a day. Admittedly there are many concerns with the internet as well as TV, but in my estimation more selective value can be garnered from the internet than is available on TV.<br />
<br />
As far as the rest of the offerings from TV and the 'Entertainment Media' which lately includes the shows I remember that were known as 'News'. Years ago they were labeled a 'wasteland', now wasted land maybe. If you look at our 'Post Modern' cycle of 'Marketing that which they all need', (Because we told them so), you may notice that ALL TV Programs are selling something, even without the 55 minutes per hour of commercials, the 'show' is selling something. Watch closely, if you dare to watch. The subtle persuasive techniques can have you spending in a flash, almost whether you want to or not.<br />
<br />
SOME CHOICES <br />
If your decision may include bankruptcy, more education is in order. Because people are usually not aware of the differences between chapter 13 and chapter 7, they are unsure of which bankruptcy chapter to file.