Have grasped the nettle..........now to deal with the ensuing rash

Igamogam

Only managed a couple of PADs these last few days - have been pinned to house with a migraine which came out of nowhere - hmmmm more stressed than I thought ! Cant decide whether to move a CC to a low rate for life of balance or find another 0%.................

Igamogam

With concerted effort on planning and thinking and judicious use of vouchers and offers and also the desperate need to get around T*sco as fast as possible cos I sooooooooo hate shopping I got the weekly shop to under £40. Go me

Igamogam

I also forgot to add............one very short phone call to HMRC - not using the expensive 08etc number - yielded another £100 being added to my tax allowance - professional fees which they had down as £60 /yr rather £160 Turns out its been like this for a while and I can have it back dated 4 years for the cost of a stamp and a few mins on the PC - result!

Dazed_and_confused

Igamogam wrote: »

I also forgot to add............one very short phone call to HMRC - not using the expensive 08etc number - yielded another £100 being added to my tax allowance - professional fees which they down as £60 /yr rather £160 Turns out its been like this for a while and I can have it back dated 6 years for the cost of a stamp and a few mins on the PC - result!

Think you've been misinformed there - the time limits for claiming refunds changed a year or two ago and the limit is now 4 years so now we're in2013:14 you can only claim back for 2009:10 - 2012:13. Still quick letter is well worth a return of £75-80!

Maybe keep a note to update HMRC each time your professional body increases their fees

Igamogam

Dazed_and_confused wrote: »

Think you've been misinformed there - the time limits for claiming refunds changed a year or two ago and the limit is now 4 years so now we're in2013:14 you can only claim back for 2009:10 - 2012:13. Still quick letter is well worth a return of £75-80!

Maybe keep a note to update HMRC each time your professional body increases their fees

No not misinformed it was a typo:D But thanks for your interest anyway.

Igamogam

Looked at St£p Ch@nge today just out of interest - I knew I wouldnt qualify for any sort of DMP cos I earn a reasonable salary but it was an interesting exercise none the less - like to know where they get the £790 a month over after all bill paying/buying of essentials from:eek: will scrutinise it a bit closer - I did guess at some monthly bill payments but was on the generous side. Off work at moment cos have been proper poorly as they say - first day up and about for any length of time since Sunday On the plus side I have saved about £60 in diesel this week - good job because I have just under £300 to last til next pay day.......now where is that £790:whistle:

Igamogam

Must be getting much better at this meal planning/budget thing...........only spent just over £24 today. Almost smug;) Only a few months ago £70 - £90 a week would have been normal and I would not have batted an eye lid!

Have moved 4K to a life of balance CC - spent a lot of time thinking about it so I hope I have done the right thing - time will tell I guess.

Garden seems to have got back its mojo...things are beginning to catch up and its looking lovely in its new spring livery - sparkly in the welcome sunshine after a drench from April showers. Rumour has it I have a birthday round about this time of year and I always remember as a child having daffodils in the garden on my birthday - party photos prove it! Over the last 15- 20 years the daffs have barely lasted til now and sometimes well and truly finished ........but not this year

Igamogam

Now I know one swallow does not a summer make................but I saw three today so maybe summer is a possibility?? Think it was a swallow - not very good at the identification of those swooping type birds - swift swallow martin. Made me smile anyway.

Money suddenly got very tight towards end of month - havent even been able to PAD. Do have some cheques to pay in from proceeds from some sales so thats good news - must do percentage paid add up soon too .

Igamogam

Changes in tax mean I am £20 month better off - wasnt expecting that

wannabee_in_credit

Hey,
Hope you're on the mend now and feeling a bit brighter. I'm waiting for payday with trepidation to see whether or not my tax allowance rise is cancelled out by pension increases. Who knows? I'll find out Tuesday.