Live on £4000 for a year - Part 3

Woodyrocks

Congrats on the win Maru. I keep telling myself to enter more comps because afterall you need to be in it to win it but after doing survey all week finding a couple of hours a week to go through current comps can seem like a mission but I know I just need to become more disciplined.

PetitePeche

Penny2myName wrote: »

Welcome PetitePeche.
Be Afraid, be VERY afraid, for once you take up this challenge your shopping mentality becomes 'How Much!!!:eek:. and you will search the ends of the earth to find the same item lower.......

LOL. I'm actually quite excited about it and hope it will help to discipline me. I have spent most of today creating a file for producing menu plans and shopping lists and started by doing a full inventory of my kitchen contents which should last until 4th Oct. I've entered everything via mysupermarket into Sainsburys and have booked a delivery slot (worth the delivery charge in time, petrol and effort alone, but will also stop me or OH/DD popping things into the trolley at will).

I think that I will probably go about £450 over by the end of the year, but even with that I hope to save about £1k which will go straight into my debts.

whitewing

PP, we're quite sad in our house as we find it really exciting to only go shopping once a month for food and try to make it last. (Apart from bread/milk/eggs which we top up).

Takeaways will seem phenomenally expensive in a short while!

Brighton_belle

whitewing wrote: »

Was talking to someone about DH's unexpected tax refund & she seems to think that it's to do with the U turn on the 10p tax? Nyk or Marru, pls can you clarify what I'm talking about as my pal thinks that we will get it too .

Whitewing, this is true -our tax allowance codes change this month: the govt are trying to sort the 10p loss debacle. I too am expecting £60 tax back this month and I instantly knew why your other half had got it and didn't realise you didn't. Our tax code will change to 603L (meaning you can earn 6035 before starting to pay tax which is now £60 more than you could previously(at 20%)
Mind you, does getting married change your tax code too?
EDIT - yes you do get a married persoms allowance if you have notified the tax office of your marriage (or through an employer?)- this may account for part of his tax refund as well? Later edit: incorrect: abolished

JAMIEDODGER

hi all:wave:

managed to get rather a lot of jobs done at home today. spent £1.50 on two ice creams for ds3 and dd at the shop, but this was from their pocket money:)

off out this evening for a couple of hours to see a friend:) will be nice to go to her house for a change as she usually comes to mine.

wont be spending anything there but will be paying £10 for the babysitter.

hope everyone has had a good day:)

((hugs)) sophiesmum, have been thinking of you today x

whitewing

I have a pyschological block about anything to do with tax.

Now I knew the tax code had changed for DH to 603L but why have they given him tax back? Why not just take less off?

Frugaldom

There's no married tax allowance anymore, that got abolished too.

I am STILL waiting for the money the tax office owes me from an overpayment last year, can't understand what's taking them so long and may be resorted to having to call them about it. Better £80 in my pocket than in theirs, I say! Unless they are holding ir back because it has become £96? That would be EXCELLENT! At the rate I'm earning, I may well fall below the tax threshold next year! Would that mean I could send off those forms to the bank and get all the interest paid on my high interest account?

Brighton_belle

whitewing wrote: »

I have a pyschological block about anything to do with tax.

Now I knew the tax code had changed for DH to 603L but why have they given him tax back? Why not just take less off?

It's refund for tax overpaid since April (the govt decided to back date it) and you'll pay less for the rest of the year I believe too (poss £10 a month but dont quote me!) so they are doing both
(Also see my edit in last post...)

Frugaldom

Brighton_belle wrote: »

Whitewing, this is true -our tax allowance codes change this month: the govt are trying to sort the 10p loss debacle. I too am expecting £60 tax back this month and I instantly knew why your other half had got it and didn't realise you didn't. Our tax code will change to 603L (meaning you can earn 6035 before starting to pay tax which is now £60 more than you could previously(at 20%)
Mind you, does getting married change your tax code too?
EDIT - yes you do get a married persoms allowance if you have notified the tax office of your marriage (or through an employer?)- this may account for part of his tax refund as well?

BB are you sure about the married persons allowance? I thought this was abolished ages ago.

Edit: Just checked on HMRC pages and married person's allowance is only effective if one or either partner was born before 1935 if I'm reading it correctly, so men & women are now taxed as individuals.

Brighton_belle

nykmedia wrote: »

BB are you sure about the married persons allowance? I thought this was abolished ages ago.

Edit: Just checked on HMRC pages and married person's allowance is only effective if one or either partner was born before 1935 if I'm reading it correctly, so men & women are now taxed as individuals.

Haha, you can tell I aint never been married never. I added this as an afterthough & quickly read the same website and just saw the word 'married persons allowance' and didn't read it properly as dinner was about to burn.
Still, the other bit is correct ish I'm sure