40 and Foolish!

LAM2011

missrlr wrote: »

Hey all I in no way am affiliated with this company but I have found their on line calculators to be quite useful in the past and Brizzled you asked about one so hope this helps
http://resources.carpenterbox.com/calculators

As long as you pay the amount by the due date of the 31Jan THEY cannot kick off about it or do anything. Check the dates stuff was due with your accountant but its only if you don't pay and don't make an effort to pay once the due date is past that there is a drama.

You have this sorted, you are OK - well done

Ha ha - I particularly like the millionaire calculator - based on my savings of £100 per month - it says in 107 years time - so I guess not in this lifetime :rotfl:

LAM2011

Hi NL,

as stressfull and horrible as it is at least you are organising the debt which is a good thing. x

NewLeaf_2

missrlr wrote: »

How much extra is OH contributing to this? Does she know? Seems to be you doing a lot of the work and worry on the debt score here ... would like to know this is a problem shared.

OH knows. All our income is pooled and all our payments are pooled.

grannyx2

Hello honey, so sorry to hear you are going through such a rough time.

Be reassured however that as long as you are making efforts to pay THEY will not start taking possession of your things. Whilst your bill is high there are many out there who owe THEM ten times as much and still THEY don't take action. I know its hard speaking to THEM, have you considered writing to THEM instead with your proposals or depending on cost getting you accountant to ring them on your behalf.

I hope OH is involved in all this with you and you are not struggling to deal with this joint debt alone.

Granny x

NewLeaf_2

Hi Granny, Thanks for the love. Yes OH is onboard so that goodness for that x

missrlr

Sorry if that sounded like prying, it wasn't meant to , but it seemed to be me, me, I am doing x y z for the debt - really pleased OH knows and is on board with the debt busting.
Can she have a small word in my DH shell-like on this matter? I am slowly beginning to make inroads into his mental attitude on this score, but sometimes it is like banging my head on a brick wall - great when you stop!
Chin up you are doing fine and THEY will be gone soon!

NewLeaf_2

OH knows, and contributes money, but not time, stress, or the "dealing with" part of making the phone calls, etc. So Missrlr I don't know if she is the right person to speak to your DH.

LAM2011

please-let-me-be-lucky wrote: »

Yes it's a free listing weekend on eb@y Xx

ooo great - is that for everyone because I cant see it mentioned on my ebay page? I think I have to find some stuff to put on this time.

brizzledfw

Hi all

Thanks SO much missrir that was really helpful. its the first calculator that would acknowledge my K coding ..never seen it before but yes its because I need to pay them back :eek: Anyway it seems to think that I will be £200 worse off each month from April (and dont lets get started on Child Benefit.. think thats next year's problem)..so there will have to be some adjustments..maybe I can sell the children via a free listing weekend:rotfl:

Hope everyone is well. I need comfort food so its jacket potatoes this eve for us!! baked beans and cheese. Yum

xx

Fortune_Smiles

Hi NewLeaf. Finally catching up on diaries after suffering from excrutiatingly slow broadband for days! Sounds as though you're making in-roads on the tax situation. I so empathise - Mr F has received 6 new tax codes in the last 3 working days. They are all different, all wrong and some were issued on the same day - can't believe we taxpayers have to meet the cost of this (rant, rant). This time I think they are charging for 2 company cars rather than one for three months and another for one month. I understand it's quite common to be double charged on company cars so check with your accountant in case it's happened to you too.

I use the HRMC car tax calculator to check what I should be paying http://www.hmrc.gov.uk/cars/. This site's quite useful too if you know your tax code http://www.thesalarycalculator.co.uk/.

Well done on your progress so far.

Fortune x