'supporting each other through really tough times'

fuddle

I'm going to do what you ordered and sit with a cuppa and some biscuits. Awful day at work. Seems that now I'm leaving I don't deserve the simple courtesy of a smile. I' moving to a better area and I suspect they feel snubbed. Not going to lt it bother me, 4 weeks and then I'm off. There's more things to life than worry about small mindedness.

I agree with Possession. Even as a bankrupt the official receiver allows you a contents insurance allowance. It really is very important. If you lost your things due to next doors negligence and fire, a gas explosion, a flood, the ceiling caving in, a car crashing through the wall etc it would take you a very long time to save for a bed. One item that will cost £100+

We don't bother with much in the way of extra insurance but contents is high on the priorities.

Mar it's bleak here walking in it and I'm on the East. A real icy wind and drizzle. I feel for the West. Hang on to your hats folks.

meme30

Popperwell:-I totally agree with Possession You need insurance. If you had to replace all of your furniture.appliances.clothes and kitchen crockery because you lost them in a fire, it would cost a fortune. Do check the comparison sites too. You will feel more in control when you are better informed. Some companies will let you pay by 12 monthly Direct Debit (small fee) so you don't have to pay it all at once.

[Deleted User]

just a reminder re 22-24th, as posted a while ago re PC and storm NW. Multipy anything the met office says

meme30

Byatt:- You are right about the adverts, they do sell the idea of the 'perfect' Christmas which is unrealistic for most of us. It also creates a dissatisfaction in the things we have and the way we celebrate, as if we don't have enough going on at Christmas! They do the job that they are designed for, but it's easy for people to be sucked into 'dream'
Gluhwein...One glass in the evening really knocks me out, it's the the deepest sleep. http://www.bbc.co.uk/food/recipes/gluhwein_2495
I use an ordinary size bottle and add a 1/2 pint of water also I just use fresh OJ in it.

[Deleted User]

oh crikey this weather is toooo conducive to sitting here watching the stuff on amazon black friday. I have already bought several items, all for future presents mind but I have been checking prices beforehand

re contents insurance, it`s like all insurance but who wants to get the payout in a disaster, definitely not me. Contents insurance enables us to sleep at night as does the correct insurance for our building, standard insurance just would not have done as we don`t have a standard build. Was so worth spending the hours doing it properly. We did room by room and put up contents by a lot, so surprised at the actual value, a bit here and a bit there all adds up so quickly

Possession

Fuddle I will never understand some people, but my general philosphy on those who can't be pleasant is sod 'em.
Re: families, and their difficulties. I often forget that DH has very little contact with his biological father, because that is how little it bothers DH. I've met him perhaps 3 times, and we haven't seen him for maybe 12 years - he has never seen the children (at least not to our knowledge - he has rather a snooping history and has definitely been in the area/knew about the business so he may have seen them). DH sends birthday and xmas cards to keep the peace. His brother and sister don't, and are occasionally treated to long rambling letters with lots of red crossings out. The children get birthday cards (we did send him birth announcements) and we have tried to explain who he is but to them DH's stepfather is their grandad. He is DH's father too, despite DH being with his 'real' father until the age of 14. DH doesn't let him bother him at all. A great way to deal with toxic relatives but I'm not sure most of us have that level of emotional turnoff. (I sometimes worry that his father will turn up on our doorstep and I won't recognise him and he'll be horribly offended and do something silly as he has rather a history of doing alarming stuff. DH, needless to say, worries about this not at all.)

Popperwell

Possession wrote: »

Pops for insurance purposes you need to forget your stuff is old, and think how much it would cost to replace the items you need if for example they were destroyed by fire. Make a rough estimate and put your details into something like moneysupermarket.com to get quotes. The first figure is definitely too expensive by far, my contents and building insurance together is less than that.

Thank you for that Possession, we've been over paying for years.:mad: It may change if I downsize or get a lodger in anyhow...can only work on what I know now...

Mum's company said they would not insure if I had a lodger:cool:It's a bit complicated thinking about what my contents cost...again if I downsize I'll need less carpet, furnishing and furniture anyhow...

I still think I am over generous on my estimate for computers and some rooms don't have extra items, one bedroom only has a bed and a wardrobe, the other a bed and the rest are books and CD's(I wouldn't know where to start as most of the books are charity sourced I don't have a list of titles I'd just accept they would be lost)The CD's have all been transferred to hard drive as mp3 files...The CD's could be worth thousands I suppose.

Nothing in the bathroom, I can get a cheap replacement sofa for the lounge. And wardrobes, chest of drawers are quite cheap these days...

I assume the HA would replace damaged baths/toilets etc...they'd certainly replace the heating system etc...and if I make a claim I would hope it would not be for everything just a particular item or a particular room.

I'm not sure if I can get away with £9,000 cover and standard rather than accidental damage, there's not much to damage.

I cannot decide whether to go through all the companies on the website and policies, it looks complicated, I wonder if the £45.36 from the HA is enough for me?

If work out my estimate I still have my electrical goods(TV's, kitchen equipment, washing machine, tumble drier, computers, radio's, fridge freezer, cutlery, plates, mugs, bowls etc...beds)if I am over generous I still do well to come in at £6,000 at present.

So if I take £9,000 cover that allows for bedding, carpets and curtains.

It's difficult.

If I had been 60 years old I could have had a cheaper quote or more for my money but I am six years away from that!

The call up for the ESA assessment(perhaps)and filling in of forms is not to do with DLA I have discovered(I don't get and never have had)Incapacity but as I get IS they look at it as though I get IS. But if you receive IB, IS and Severe Disablement Allowance they are being phased out. So I have to deal with this now and then go through it again with the other benefit in the future.

As so many are...I'm not old enough but Pension Credits are being put further back so you cannot claim them at 60 years but will have to wait until you are 65 years.

Watch the bus passes be withdrawn or put back to a similar age...

Popperwell

If I do the HA policy I can pay weekly, fortnightly,monthly or annually...but you pay so much in extra charges it is better to pay it as a lump sum if you can I mean if I pay weekly on the standard cover I pay another £8.60 and if I do accidental cover I pay an extra £17.85 for the convenience.

fuddle

It's probably not a good idea to post on the tougher thread about benefit receiving/slashing or what people think might happen in the future. It's far too much an emotive subject and I suspect should be kept to http://forums.moneysavingexpert.com/forumdisplay.php?f=139 this part of the forum.

It's tough now, we're all dealing with now... every day is different for each and every one of us. One day up another one down. We've all real hurdles to jump just to get through life. Thinking about what might happen in the future or what might stop doesn't help anyone. We have to live in here and now.

meme30

Byatt:- No just leave them out!:)