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One step beyond!!!

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  • Me 2 hun - The last couple of nights have been abit better thankfully. x
  • natsplatnat
    natsplatnat Posts: 3,033 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    Morning All!

    Really nothing to report - it's soooo dull being financially organised..... not debt-free, just organised so I know what is going where and when! Looking forward to Friday when I can change my signature.

    Only thing I can think of is that I reckon my tax code should change from April onwards as I am currently repaying a £29 shortfall from 2009/2010. Will have to keep an eye out for that!!!

    Hope everyone is well and bowling along on their DFW mission? Nats x
    start = Wed 19th Nov 2008 £21,225
    end = Mon 28th Sept 2015 DEBT FREE!
    I love a good plan - it may not work.... but I love a good plan!
  • Lemon_Tree
    Lemon_Tree Posts: 10,202 Forumite
    Part of the Furniture 10,000 Posts
    Nat, i think all our tax codes will change this time around as i have a feeling we get to earn another 1k before we have to pay tax. i could be wrong though.
    Unfortunately we have to pay another 1% NI as well. The government giveth and then taketh away.
    The lull before paydays is always boring spreadsheet wise isn't it? i get paid on friday but have already done next months account, just can't wait until i get to do all the transfers.
  • natsplatnat
    natsplatnat Posts: 3,033 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    Hi LT!

    Ooh, I will have to investigate that - I wonder if that leaves us better or worse off?? (yeah right!)

    I don't even have any transfers to do apart from paying the CC bill when its due. Everything else moves of its own accord now! It is nice to be organised, but it aint 'alf boring! lol

    Ooh - a little piece of excitement...... my £80 is showing as validated on Q.co for swapping gas and elec suppliers!


    Scuttles off to research changes to this years tax codes! :O)
    start = Wed 19th Nov 2008 £21,225
    end = Mon 28th Sept 2015 DEBT FREE!
    I love a good plan - it may not work.... but I love a good plan!
  • natsplatnat
    natsplatnat Posts: 3,033 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    OK folks.....

    Link to personal allowance = http://www.hmrc.gov.uk/rates/it.htm showing an increase in tax free allowance from £6475 to £7475.

    And here for the National Insurance = http://www.hmrc.gov.uk/rates/it.htm showing an increase from 11% to 12% contribution.

    Could someone else run a comparison based on their wages, as I seems to be about £745 a year better off come this April!! ?
    start = Wed 19th Nov 2008 £21,225
    end = Mon 28th Sept 2015 DEBT FREE!
    I love a good plan - it may not work.... but I love a good plan!
  • natsplatnat
    natsplatnat Posts: 3,033 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    I love it!!!

    I have just made my spreadsheet even better!!!!!!! I have discovered how to format the column that contains my 'running balance' so that each cell is now shaded green if it is a positive figure and red if it is negative!!! GO ME, GO ME!!!! lol (simple minds and all!)
    start = Wed 19th Nov 2008 £21,225
    end = Mon 28th Sept 2015 DEBT FREE!
    I love a good plan - it may not work.... but I love a good plan!
  • Lemon_Tree
    Lemon_Tree Posts: 10,202 Forumite
    Part of the Furniture 10,000 Posts
    lol i found conditional formatting a part way through last year and it's fab! i use spreadsheets loads at work but never needed it until then.
  • natsplatnat
    natsplatnat Posts: 3,033 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    OK folks.....

    Link to personal allowance = http://www.hmrc.gov.uk/rates/it.htm showing an increase in tax free allowance from £6475 to £7475.

    And here for the National Insurance = http://www.hmrc.gov.uk/rates/it.htm showing an increase from 11% to 12% contribution.

    Could someone else run a comparison based on their wages, as I seems to be about £745 a year better off come this April!! ?

    Yeah, so! With pondering over my calculations last night, and have come to the conclusion that I am wrong!

    I allowed an extra £1000 (which is the increase in the tax free allowance) when I actually should have only allow the amount of tax that I will save on it!!! DOH! So..... I reckon it will be roughly even stevens. Will be back later with a more accurate conclusion!

    Have a good day everyone! :T
    start = Wed 19th Nov 2008 £21,225
    end = Mon 28th Sept 2015 DEBT FREE!
    I love a good plan - it may not work.... but I love a good plan!
  • Yeah, so! With pondering over my calculations last night, and have come to the conclusion that I am wrong!

    I allowed an extra £1000 (which is the increase in the tax free allowance) when I actually should have only allow the amount of tax that I will save on it!!! DOH! So..... I reckon it will be roughly even stevens. Will be back later with a more accurate conclusion!

    Have a good day everyone! :T
    Hi Nats guess who is back :D
    If you go here http://www.thesalarycalculator.co.uk/salary.php
    and pop in your salary and it tells you what to expect from April, should be accurate:cool:
    LBM- finally kicked in 16/12/08 @ [strike]£41,862 [/strike] £0.00/ DFD- 24/12/13 :D


  • natsplatnat
    natsplatnat Posts: 3,033 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    Ooooh - hello!
    start = Wed 19th Nov 2008 £21,225
    end = Mon 28th Sept 2015 DEBT FREE!
    I love a good plan - it may not work.... but I love a good plan!
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