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Life after bankruptcy?

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  • ani_26
    ani_26 Posts: 3,700 Forumite
    miggy wrote: »
    Can they tax you if you are earning under £8,105? Sorry if this is a stupid question... I know that's the Personal Allowance threshold, but they seem to have a different set of rules for you :eek:.


    No they can't tax you if you're earning under £8,105. It becomes a problem when returning to work, because tax rebates, esa, + earned income could take me above the tax threshold? Tax rebates and esa are taxable income. :o It all depends on the work situation, although it's unlikely i'll go above the £8,105 threshold. Never far from the mind, is it? the governmental persuasion of forcing people back to work.





    That's a good idea, if you can stick at one or two a night. It will take less than a year, I think, due to time when you weren't working, and sometimes the worst part is starting a task. I daren't offer to help, maths not being my forte. I will however cheer you on and provide tea and biscuits if that helps?
    Thanks :)




    That was quick! The basin I mean. Do you think word has got round and you have become the proverbial hot potato - 'Quick, give him what he asks for or he'll be back!' :D
    Unlikely, but i won't tell you why. :D
    You would have thought flooring would have come with the kitchen due to new units etc. messing about with the original layout? Or is that too logical? Plus, how much is it going to cost them for that size of floor? Not enormous sums, but sadly smaller things are so often easier to cut back. Anyway, it's not concluded yet so we will all be hoping with you...
    Exactly :o
    I didn't get any gardening done - rain descended - but I too will be out on sc patrol later, not that I can match your tally. Maybe these are the ones you threw away some weeks ago, coming back? Surely there is a finite number? Isn't there?
    They are definitely not the ones i threw away. I have a separate thriving colony, in its own right. Yuk
    Debt free - Is it a state of mind? a state of the Universe? or a state of the bank account?
    free from life wannabe


    Official Petrol Dieter
  • ani_26
    ani_26 Posts: 3,700 Forumite
    kerri_gt wrote: »

    Sorry I've not been online this evening Ani, few things to sort out and have busted my ankle today at boot camp (see exercsie is dangerous) so best thing to do is rest it with it elevated...so naturally I've been making banana cake and generally doing anything except sitting down :o
    :T



    Pretty much what i've done. Rest is definitely the best thing, so make sure you do xx :)
    Debt free - Is it a state of mind? a state of the Universe? or a state of the bank account?
    free from life wannabe


    Official Petrol Dieter
  • ani_26
    ani_26 Posts: 3,700 Forumite
    I have a busy day today, so not much time to reflect, contemplate, whatever. Wish me luck.
    Debt free - Is it a state of mind? a state of the Universe? or a state of the bank account?
    free from life wannabe


    Official Petrol Dieter
  • Hiddenidenity
    Hiddenidenity Posts: 5,423 Forumite
    Good Morning Ani xx
    Hope today goes well take care x
  • miggy
    miggy Posts: 4,328 Forumite
    ani_26 wrote: »
    I have a busy day today, so not much time to reflect, contemplate, whatever. Wish me luck.

    Good luck! :)

    There is actually some sunshine here today. It makes everything feel very different. Hope you all get it too.
    Miggy

    MEMBER OF MIKE'S MOB!
    Every Penny a Prisoner

    This article is about coffeehouse bartenders. For lawyers, see Barrister. (Wikipedia)
  • SazM030306
    SazM030306 Posts: 1,317 Forumite
    Good luck all round today! (I have an appointment soon and am hoping to sign up a young lady onto my team :) ) Hope the day goes well for all xxx
    :heart2: THANK YOU MARTIN!! :heart2:
  • beanielou
    beanielou Posts: 95,712 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope all goes well today.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
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  • ani_26
    ani_26 Posts: 3,700 Forumite
    edited 3 July 2012 at 5:21PM
    Life goes from bad to worse, to be honest. I have my appointment for my atos medical, my gp says at some point i will have to return to work, feeling like this, dro's are complex things which mean tax matters have to be forgotten, even if you have a bloody musical instrument. The system is geared to ensure the poorest in soceity have even less. There is no wonder people resort to drink and drugs for warmth and to blank things out, and there is no wonder people resort to crime.

    To make matters worse, i have divulged personal information, which mse says you should never do, and now live in fear of the unknown. I urge anyone, not to give out your personal information.

    My diary is closed.
    Debt free - Is it a state of mind? a state of the Universe? or a state of the bank account?
    free from life wannabe


    Official Petrol Dieter
  • kerri_gt
    kerri_gt Posts: 11,202 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    Not sure what has happened re: the personal info Ani but I'm sure whoever you gave it to won't abuse that info, else you wouldn't have done it in the first place.

    Did the Dr give any idea of when they are suggesting a return to work? Or was it more 'a sometime in the future'? Could this perhaps be a time when you could try your hand at something else? It's only a suggestion, i would say 'professional slimy critter catcher' but i'm not sure they exist? Well if they don't perhaps you could start a whole new company? xx

    Seriously though - we're here to support you in our own little ways xx
    ani_26 wrote: »
    Pretty much what i've done. Rest is definitely the best thing, so make sure you do xx :)

    and no, like you I took none of my own advise and didn't quite rest as much as I should have - though boot camp was knocked on the head today. Bruising come out now it seems through the day but doesn't seem too swollen which is good.
    Feb 2015 NSD Challenge 8/12
    JAN NSD 11/16


  • ani_26
    ani_26 Posts: 3,700 Forumite
    There are some things i find extremely upsetting and cannot cope with. My coping mechanisms aren't such as " normal " people. Any small thing can tip you over the edge for no apparent reason. It makes you realise how vulnerable you are. And how exposed you are. And yet you are expected to function like a " normal " human being. I need a day in the garden, but it's raining, as ever.
    Debt free - Is it a state of mind? a state of the Universe? or a state of the bank account?
    free from life wannabe


    Official Petrol Dieter
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