Hurdler's Race to be Mortgage-Free

abouttimetoo

Hi Hurdler, well done on your weight loss and sorry to hear you are having a trashing week.

I noticed you mentioned that you got the old 'we are busy, call back later' message with HMRC, I got sick of this and saw on the tax thread that if you use the 'say no to 0845' website you can obtain DDI's which bypasses their system. I used this several times and always got straight through with no hassles.

Regards
ATT

Hurdler

abouttimetoo wrote: »

Hi Hurdler, well done on your weight loss and sorry to hear you are having a trashing week.

I noticed you mentioned that you got the old 'we are busy, call back later' message with HMRC, I got sick of this and saw on the tax thread that if you use the 'say no to 0845' website you can obtain DDI's which bypasses their system. I used this several times and always got straight through with no hassles.

Regards
ATT

It was actually the DDi number I was using, care of my accountants but by the time I had gone back to the payroll partner to get the missing information, it was about 5pm which was probably peak time!

Anyway hopefully all is fixed now but I will ring again at the end of the month and check that they are now getting the information as I am paying tax ... So they had better be getting it!!!

Sepa74

Or they'd gone home for the day!

Hurdler

Sepa74 wrote: »

Or they'd gone home for the day!

well their messages says they're open until 8 but I guess that would be their peak time ... and having been back and forth from 4pm I certainly was in NO hurry to stay there for 4 hours!!!

Anyway - we'll see what the tax code is and I might actually check back with them when I get paid to make sure that they are seeing the tax now!!!

why can't people just pay us money and leave us alone to spend it? Too much to ask? :rotfl:

Anyway - I hit the gym this morning... so I have achieved my gym session for this week... so feel smug!

Hurdler

Well my optimism lasted less than 24 hours as I had what can only be described as another day of "cultural employment challenges" ...

So I am rethinking my approach of not confusing Woolwich any more than I have to... and making a further overpayment on the 16th or thereabouts.

But having spent most of last week battling one form of financial disaster after another - I want to have a week of not having to engage my financial brain (not that I have much of one!)...

Hurdler

holy moley... I just started to work out if I threw EVERY PENNY that I sweep into Vernon each month at the mortgage, what the change would be to my mortgage payments...
Rather than dividing whatever is in Vernon by whatever my monthly amount is... (it should come down to below £500 anyway)

Sometimes I think I am totally stupid. Or just incredibly OCD!

Or maybe both!

Hurdler

Hmmm.... When I called the bank on Friday morning to make a same day CHAPS payment to my mortgage, I was a bit surprised to see that it didn't register until MONDAY!

I am now impatiently checking my Online Banking to see what the current figure is (although I have a rough idea) and assuming that "cultural employment challenges" don't rear their ugly head today, I will work at home tomorrow to try and chase down the figure.

I had to abandon revision last night as I popped over the tenants to see what was happening in my flat - there has been a leak from upstairs and there is a lot of damp in the walls and in a cupboard so I need to pop round and lend them my dehumifier to help dry it out.

We are trying to get rid of the managing agents who have been useless - I don't even want to think of how much it has cost me in the last few years with ther incompetence. The last straw is they only told me about the leak last week after I was hassling them for details and threatening not to renew as their "system" for small measures is rubbish and they cost me my full rent almost every other month.

The property manager was quite belligerent and rude with me but worse still he is exceptionally rude to my tenant... all in all I think I have a good case to remove them when the contract expires but I am checking out some of the legalities.

misscousinitt

Hi Hurdler

Just caught up with your diary. Well done on the OP (and the weight loss).

HMRC are a nightmare - there seems to be alot of tax mess ups at the moment, I know 2 people who have had bills and 2 that have had refunds. The ones who have had bills work for local authority and it looks like both parties are at fault! Couldn't organise a drunken brawl in a brewery!

Anyway, I hope things go better for you on the financial fron this week.

Sandstone

I just read your diary up to here from the beginning, what an amazing achievement! Your career change seems to have gone so successfully, and your financials seem very healthy, despite the unhelpful staff.
Keep going and well done!

Hurdler

Thanks MCI and Sandstone

Just rang the Woolies to check that the uber payment had gone it - and thankfully it had!!!

I always worry when you are not paying in something directly to YOUR account details!

Brings my payments down by a whopping £89.50!!!

I know I am extremely lucky to have had shares from my former job - but then again I did invest from my own salary (I once had options but they were cashed when I moved house to pay to drag it kicking and screaming into the 21st century!)... and also that massive overpayment COULD have gone into a savings pot to allow me to walk out of my current job and really try my luck at journalism, but with no guarantee of a job or even any work experience placements at the end of it

So... I do think I did the right thing... and hope that I can stick things out where I am for long enough to give me a good set up for a career/life changing opportunity.