Immoral_angel's Debt Diary

skylight

I had £200 added to my account last week - just listed as SA. After a bit of panicing, it turned out it was Self Assessment and was my tax refund for last year (I do my self assessment the day I get it online as I am very up to date with all my finances these day - I too have the same complusion to check the online bank account daily!!)

£11.95 is an odd amount though? Are you expecting a refund from anywhere? Or perhaps (heres hoping) that tax credits have worked out the new money and paid the difference already. I find that TC and child benefit tend to pay me the new amounts/difference before they actually notify me!

immoral_angeluk

charlotte664 wrote: »

I had £200 added to my account last week - just listed as SA. After a bit of panicing, it turned out it was Self Assessment and was my tax refund for last year (I do my self assessment the day I get it online as I am very up to date with all my finances these day - I too have the same complusion to check the online bank account daily!!)

£11.95 is an odd amount though? Are you expecting a refund from anywhere? Or perhaps (heres hoping) that tax credits have worked out the new money and paid the difference already. I find that TC and child benefit tend to pay me the new amounts/difference before they actually notify me!

I normally find that too with tc... our tc isn't due til tomorrow so who knows. Not expecting any refunds as we don't have a debit card with the account. Am only expecting child benefit today, tc tomorrow and paypal on friday! Might call nationwide and ask if I get time... I'm intrigued!

PigginSkint

Hi IA ! I have been gradually working my way through your diary. I still have a few pages to go – large isn’t it??!!!

I have to say that you are an inspiration – you are doing so well! I hope you won’t think I am patronising you by saying that for someone so young you are amazing!

Good luck!

reallyworried_2

Hi, its great when you can get compassion help and advice from people who know what you're going through. Take a look at http://www.reallyworried.com, sounds like it may be a good place for you.

JET34

It could be TC or WTC as I to had some paid today that I wasn't expecting and it's quite a lot too, so I don't know what to do!!! I phone them a a week or so ago to tell them what i'd be earning this yr but I haven't had a new award notice yet. My old self would have left work already to spend it but my new self is wondering if it's mine or not!!!!!

barnaby-bear

immoral_angeluk wrote: »

I remember reading in my policy booklet somewhere that you can cancel anytime as long as you haven't made a claim. TBH think we're going to wait anyway as I'll have 4 yrs no claims in oct all being well.

Cradle gig is on friday!! Can't wait!

What you might get hit by is that although allowed to cancel, monthly car insurance is often a form of credit and whilst you can cancel the insurance you may have penalties on the finance, in addition even if no such finance you may have admin. fees. I'd be a bit beware of being lulled into 'cutting outgoings' or cashbacks - if admin fee now of 20 to change insurance even with cashback you may just be borrowing from yourselves in the future....

If Ste now has access to the car :eek: , you might need to electric fence the petrol budget, could you bundle his food, toys and petrol to work money in a specific lump sum and let him budget that himself - save yourself the hassle of constantly modifying the daily spend. One xbox game or 10% in petrol usage is a hell of a lot of small savings on economy sausage casserole and value baby wipes.

I know I'm harsh sometimes - hope it's not taken wrong way.

Have you done the quidco free DVD trials for the odd £15 ?

Poppycat

Please do not promote your own site as you are now made aware of the rules which you yourself acknowledged. I note you didnt remove your links despite knowing the rules and in fact continue to promote your own site. I have reported this post you made and the other one.

reallyworried wrote: »

Hi, its great when you can get compassion help and advice from people who know what you're going through. Take a look at [removed links], sounds like it may be a good place for you.

beanielou

No sign of that parcel yet then?
Hope it turns up soon.
Hope to get the next one off to you soon.

immoral_angeluk

beanielou wrote: »

No sign of that parcel yet then?
Hope it turns up soon.
Hope to get the next one off to you soon.

It arrived this morning while we were out getting the freezer.. the clothes are gorgeous thanks so much!

immoral_angeluk

barnaby-bear wrote: »

What you might get hit by is that although allowed to cancel, monthly car insurance is often a form of credit and whilst you can cancel the insurance you may have penalties on the finance, in addition even if no such finance you may have admin. fees. I'd be a bit beware of being lulled into 'cutting outgoings' or cashbacks - if admin fee now of 20 to change insurance even with cashback you may just be borrowing from yourselves in the future....

If Ste now has access to the car :eek: , you might need to electric fence the petrol budget, could you bundle his food, toys and petrol to work money in a specific lump sum and let him budget that himself - save yourself the hassle of constantly modifying the daily spend. One xbox game or 10% in petrol usage is a hell of a lot of small savings on economy sausage casserole and value baby wipes.

I know I'm harsh sometimes - hope it's not taken wrong way.

Have you done the quidco free DVD trials for the odd £15 ?

That's actually not a bad idea.. have a Ste budget instead of seperate petrol budget and daily spends... thanks for that idea.. it'd help him as well as ne'd be responsible for what he spends and save me harping on at him the whole time;) Will have to have a play around with some figures later.....