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40 and Foolish!
Comments
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ok completely despondent. Just did my taxes and owe another £6,600 just for me. I can't face doing OH's at the moment
Urgh, NewLeaf, that's not nice. :mad:- Mortgage over-payments to date: = £16,746
- Original redemption date: August 2043
- Current redemption date: July 2041
- Debt: £15,930
- Savings: £12,430
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really not niceMortgage: £280,752/ £262,515.84
hmrc:£16760/£5,480.20
evil credit cards: £41,208/ £37,841
Car: £18,800/£13,101.18
Weight 13.9/ 12.6 -1 stone 3
saving for refurb £2000/£700 1 July 20130 -
Still trying to absorb the £6,600 tax shock. I finally thought I was on the right code and everything, gave up the company car, the fuel card and still got slammed.
I need to have another day of wallowing and then get a game plan togetherMortgage: £280,752/ £262,515.84
hmrc:£16760/£5,480.20
evil credit cards: £41,208/ £37,841
Car: £18,800/£13,101.18
Weight 13.9/ 12.6 -1 stone 3
saving for refurb £2000/£700 1 July 20130 -
Still trying to absorb the £6,600 tax shock. I finally thought I was on the right code and everything, gave up the company car, the fuel card and still got slammed.
I need to have another day of wallowing and then get a game plan together
Terrible news. Can you set it to one side until the new year. A good time away from thinking often gives a good perspective?
HHx0 -
ok completely despondent. Just did my taxes and owe another £6,600 just for me. I can't face doing OH's at the moment
Yikes! What a shock - have you got an accountant? If not, getting one could be a very good investment if you're still looking for an xmas pressie to give yourself!
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I just instructed an accountant this morning. It was because of the damn company car.
Just having a pity party because it is one step forward 2 back really. My house keeper goes to Poland on Friday for 3 weeks so I can use what I would have paid her in wages for the accountant.
Things are going to get so frugal around here OH isn't going to know what's hit her!Mortgage: £280,752/ £262,515.84
hmrc:£16760/£5,480.20
evil credit cards: £41,208/ £37,841
Car: £18,800/£13,101.18
Weight 13.9/ 12.6 -1 stone 3
saving for refurb £2000/£700 1 July 20130 -
I just instructed an accountant this morning. It was because of the damn company car.
Good - if the accountant can't shave a decent slice off that bill please feel free to instruct me to eat my hat!
Just having a pity party because it is one step forward 2 back really.
Hmm. Sometimes it is advantageous to take a step sideways before the way forward becomes clear - rather like stepping round a large rock on a mountain path. I would definitely regard the accountant as a sideways step rather than backwards. An allowable expense of course, which softens the [STRIKE]blow[/STRIKE] bill. Actually NewLeaf, I'm a bit surprised you've been trying to manage without one, given the ££ [and $$?] that passes through your household, plus you're an employer.My house keeper goes to Poland on Friday for 3 weeks so I can use what I would have paid her in wages for the accountant.
Good again, useful (unless you'd already earmarked those funds for something else?).Things are going to get so frugal around here OH isn't going to know what's hit her!
Don't worry, it's possible to live well while enjoying frugal pleasures. On that line, here's a cheap excursion over the holidays:
http://www.moneysavingexpert.com/deals/cheap-days-out/kew-gardens
..Would love to take up this offer myself but it wouldn't be very MSE or practical for me at the moment!0 -
Robin, you are right we can still enjoy things but there will be no more little Waitr%^e runs for her to get sweets!Mortgage: £280,752/ £262,515.84
hmrc:£16760/£5,480.20
evil credit cards: £41,208/ £37,841
Car: £18,800/£13,101.18
Weight 13.9/ 12.6 -1 stone 3
saving for refurb £2000/£700 1 July 20130 -
Hello honey, just noticed how well you are doing with your refurb fund, well done you xTargets
Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!
Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)
LBM : July 11 - £56,962
DEBT FREE 21-05-21
MORTGAGE FREE 13-06-18
Loving my kitty cat
https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p10 -
granny thanks for spotting the sunshine. That will be going to THEM ha ha haMortgage: £280,752/ £262,515.84
hmrc:£16760/£5,480.20
evil credit cards: £41,208/ £37,841
Car: £18,800/£13,101.18
Weight 13.9/ 12.6 -1 stone 3
saving for refurb £2000/£700 1 July 20130
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