Hurdler's Race to be Mortgage-Free

EmmasWorld

All sounds very exciting nice job!

Hurdler

Accountants baffle me - the accountant in charge rang me... telling me I'd done my payroll wrong and that I needed to be using Real Time PAYE (which only came in April this year) so she said "oh... yes...that's right" For heaven's sake!

Anyway - I got too excited, and if there are any accountants in the thread perhaps they can explain this to me.
First month of the year - I worked for noodles who were useless in every aspect.
Second month of the tax year - I started to work for myself, and was told that because I had one month of "real salary, tax, NI" I could only pay myself £341 a month until the new tax year.
Accountant now says I SHOULD have been paying myself more (well ok...) and somehow this means my PAYE has been overpaid to HMRC and they owe my limited company money. HOW IS THIS POSSIBLE? Apparently any cheque will be to the company so will have to pay it back in, and eventually it will be a dividend...

Anyway - I'll let her sort it out...

Why I came back is...

I got my updated mortgage bobbins

Amount outstanding is now £81,536.13 and next month's payment is £400.26 - so a 3x OP will take me under £400 which is psychologically very nice indeedy.
In fact I am sorely tempted to actually do a Tilly-Tidy in reverse and pay enough to make it £80,000 (or perhaps even £79.999.99) again so psychologically is looks as though I owe less! Does that even make sense? I forgot how addictive this is!

Roll on 6th March!

(Oh yeah good side of February ending so soon... I get to invoice next Sat!)

Hurdler

NSD - at my mums and decided neither of us needed anything in town so we have saved the temptation of a hot chocolate and slice of cake in the shop of St Mike. But we will allow ourselves a cooked brekkie in T3sco as I need to get my groceries anyway tomorrow.

I think I have just enough soup for the next two weeks so no need for Carrots and Parsnips this fortnight. Brought all my vouchers so should bring that down by a decent amount.

Also need to top up the wagon this month, which I'll do at the same time. So means when I get home I can enjoy my day off. Tennis about to start at 1pm and will be on it like sonic for the rest of the day until about midnight, sigh!

Alchemilla

ROFL at St Mike. I call it S and M. Though not in front of my Mum!

Hurdler

Alchemilla wrote: »

ROFL at St Mike. I call it S and M. Though not in front of my Mum!

LOL - yes well I am at the aged parent's house and I just snorted my can of coke up my snout at S & M. She is looking at me very disapprovingly which means - it doesn't matter how old you are, you can still get that withering look from a parent that makes you feel 5 years old.

If you'll excuse me I have just been sent to my room!

Hurdler

Ugh didn't get to bed until 1am as Rafael Nadal insisted in making a total pigs ear of his semi-final so my eyes are realllllly tired. Day off today thankfully so about to sort out my expenses for the week and some bits and bobs at mum's.

Went up to T£sco and mum, bless her, paid for my groceries and diesel as a thank you for coming to see her. So I used up a shed load of vouchers and I/we saved £10 off the shopping overall as the vouchers run out this month.

We were going to drive across town to hunt for a coffee machine that she wanted to buy me for Christmas but they were all sold out, but my eyes are so grainy I couldn't face it and crowds. It is my birthday next month so I will see if we can do click and collect in store just in case they don't have the ones I want!

I treated mum to a Thai takeaway last night so we're having leftovers now for lunch and then I need a nap!

I actually read back over my diary in full this morning - I cannot believe I took VR in 2011, started working for myself as a freelancer in 2012, and got a paid sports writing gig in 2013.

If I wish hard enough... Will I win the lottery in 2014?

gallygirl

Hurdler wrote: »

If I wish hard enough... Will I win the lottery in 2014?

Buy a ticket. That will improve your chances :rotfl:.

Hurdler

gallygirl wrote: »

Buy a ticket. That will improve your chances :rotfl:.

It's one of those things I have wrestled with in money-saving - should I keep buying them (they come out via direct debit) - every time I think "no - get shot of it" I get that stupid "about your ticket" email and find I have won a tenner!!!

Hurdler

Nice weekend at mums and actually got some things done at home
But rubbish night's sleep waking up 1am, 4am, 5am and bunged up still.
But will get up and do stretches and some Wii boxing nonetheless! *DONE*
Have the morning shift today so in between being knee deep in previews and tennis news I need to do all this:

• Put my veggies in L4keland Stay fresh bags and wash out the old ones
• [STRIKE]Put away the laundry in the spare room and file away my sold shares paperwork to free up one of my tin folders for business expenses[/STRIKE]
• [STRIKE]Laundry needs to be done and put up to dry in the spare room (hence the tidying!!)[/STRIKE]
• [STRIKE]Take out mince to try Hairy Dieter lasagne recipe as I bought my very first leek - is it possible to save tin foil containers for leftovers? Found some I had bought which would be ideal for single portions[/STRIKE]
• Pack stuff for gym/pool tomorrow

Right - workout beckons - have a good day all

Lois_E

Tin foil containers can be washed up (by hand or in DW) and reused, but the trouble with using them for leftovers is that you can't put them in a microwave.