"I know what will make you smile tonight..."

FOXGLOVE_2

Eyebright wrote: »

Good luck Foxglove, you sound very motivated to get your debts sorted! I hope you stick around on the DFW board and keep us updated

Thanks! Best of luck on your journey too

I just had a thought, I was gonna write off and find out if I am able to claim back some tax allowance for laundering work uniforms past and present.

Anyone had any experience of this? Not expecting a fortune but does it have any consequences relating to tax code?

Ever the pessimist, I often think things like this are too good to be true.

Also remembered that I have to return an unsuitable Christmas gift to amazon for refund.

LAM2011

hi Foxglove


I think Eyebright was looking into the uniform thing too so when she comes back perhaps she can shed some light.


I think goals are a good thing - I learnt the first year that its also important to set achievable goals otherwise you just get depressed


Good luck with it.

FOXGLOVE_2

I'm a funny one, me. When I set a goal and achieve it, I sit back and do no more. Or when the goals too high I give up. This is why I'm in this mess lol

That said, at the start of the year when I knew what my pay would be each month, I planned to set aside £100 each month. I've averaged £140 each month. It has been pretty painless to do this, since I just transfer it over when I get paid.

I like to 'strive' for stuff like this, so I think in addition to my lump sum every month, I should be taking up challenges like the £2 club, little motivational things.

OH is talking about a holiday later this year and while we will go away somewhere for a week and get a good deal, I have to be realistic and make an extra effort to make up for it. I'm noticing that OH is in a completely different place to me financially. She often says that she has no money as she lives off her pay like I do and the rest of her money is 'tied up'. Her student loan was also written off last month so she owed nothing and if she wants to splash out on something, she has that money sitting there. We had a bit of a 'disagreement' last night about this holiday and I reminded her that when she had a £2k overdraft hanging over her, she felt exactly the way I do now. We don't live an extravagant lifestyle, rarely go out, maybe the odd meal. We both collect vinyl records but we both like a bargain so even though we have £10 and the records worth £6, we will haggle it down to £4.50 if we can!

I have bought a few things at bargain prices aiming to sell them on for profit but I get so lazy when it comes to fleaBay that they end up sitting in the 'sell' pile forever. I've listed one this morning and hope to get £15 for it. Bought it for £3 so here's hoping!

Eyebright

FOXGLOVE wrote: »

Thanks! Best of luck on your journey too

I just had a thought, I was gonna write off and find out if I am able to claim back some tax allowance for laundering work uniforms past and present.

Anyone had any experience of this? Not expecting a fortune but does it have any consequences relating to tax code?

Kapow! I am indeedy looking into doing a tax rebate for uniform. I know that I can claim for it, as some colleagues did it about 6 months ago. They told me to do it as well, but me being me, forgot about it until my LBM a few weeks ago!

All the help you need to do it is in this guide. Just send a letter off with a few details and HMRC do the rest! Easy peasy. Well says me, who hasn't even finished the letter yet...:rotfl:

FOXGLOVE_2

Does it count as a NSD if you paid off some debt?

Eyebright, I will get the ball rolling with this uniform thing and let you know what happens. Not sure if I can claim for current job as I have been told that we can obtain vouchers that enable us to have certain garments dry-cleaned. I have always just thrown everything in the machine so not sure if that counts.

Worth a shot, the other years will definitely count.

Eyebright

I will get my letter finished this week, I'm just being lazy, not as if I have to write an essay... but would be interested to hear if you get anything back yourself! It's got to be worth a shot!

Everyone has their own rules regarding NSD days, but I would count it, if it was me. Not as if you have anything to show for the money!! And the money is going towards getting you free from debt, that should be encouraged!

FOXGLOVE_2

Tax letter printed off, signed, sealed and stamped. Fingers crossed!

FOXGLOVE_2

Feeling a bit deflated today

We are due to have a coffee table delivered today so I'm sort of waiting for that to turn up, gotta leave at lunchtime to go to work so I imagine they will show ten minutes after I've left. The delivery company sent a text to the landline number this morning and it was just one of those BT text things that reads the message out. OH picked it up and said that all it said was "two" so she put it down to her ditsy friend who often sends half text messages of garbled words.

I checked the online tracking and at 7.50am it reads "SMS delivery text sent".... I'm guessing the text message was asking OH to press "two"...

*sigh*

Well at least the table has been paid for... 12 weeks ago! Waited ages for this to arrive so if we don't get it today, another 24 hours won't kill us. The table we have now was wombled from the street but it's very low. We bought £2.50 legs from IKEA and attached these to the tabletop and had our Christmas dinner on it, it will go in the cupboard as a standby dining table once the new one arrives.

More talk of the holiday last night so I spent ages looking up bargain hotels and dates for cheap flights but OH seemed disinterested, saying "what was wrong with that hotel we saw earlier? Just book that one..."

Almost £250 more is what's wrong with it. I get that it's me who has to reign in the spending and not her but god... I'm not gonna put my hard work to waste just for a holiday.

Really dragging my heels now so I better get a move on and go to work.

Eyebright

Tell her if she wants to go to the £250 more expensive place then she needs to pay for all the difference. That might motivate her to look at the cheaper alternatives you have suggested!

My holiday this year is so far a 4 night camping holiday in south Wales. It will cost us £40 for accomodation and probably £50 for travel (i.e. petrol), then another £50 tops I reckon for food and drink. OH will be mountain biking and I will be going on walks around the forest with my camera. Cheap as chips, but we will both enjoy it!

Don't get too despondant, things are sent to try us, remember this isn't forever, one day we will be debt free and awesome! Hugs to you xx

Eyebright

As a small aside....since I read the word "womble" on your thread I have been humming the theme tune!!!! People are looking at me like I am mad!!! :rotfl::rotfl: