I don't need another skinny Latte

Skinnylatte

Well I decided not to do any meal planning or shopping either. When I came home DS has put on the dishwasher and hoovered the living room woohoo. But I'm not giving in, he had a bit of a grump as I refused to make any tea, so he's made him self a chicken pie sandwich :rotfl:
He's also realised he has no clothes for tomorrow, and has put some washing on, only what he needs of course, not a full load!

So I was completely undomesticated today, I went for a lovely long walk with my friend, stopped a a pub for lunch, I had chips and lime and soda to the tune of £3.10 :T

Bizarrely I then went looking at cars again, and ended up test driving a mercedes A class. Luckily I didn't actually like it!!

Kate_fixing_it

Glad DS has pulled his finger out! I'm really lucky that my eldest DS is a superb "houseworker, unfortunately it's not rubbed off on the other three...yet

Sounds like you're doing brilliantly (as always!) Keep up the good work!

Kate x

Rollercoaster_Rach

I didn't go to A$da or get a new keyboard or actually do much of anything at all either!

What is it with DSs and socks?!:rotfl:My DS asks all the time 'Where are the clean socks?' Each time I say 'put them in the washing basket and then you'll have some!!!':mad:

Take care
RR x

Skinnylatte

LOL. I counted our odd socks a couple of weeks back - 63 :rotfl: I was thinking of auctioning them for charity!

Well blow me down, my cunning plan worked, after a bit of a crescendo last night. I reminded DS to make his packed lunch for the morning, he flipped his lid at my refusal to do anything, and ended up flinging a pack of ham round the kitchen. I ignored the ham and left for work at my usual time. On returning this evening I came home to the most tidiest house I've ever seen, everything put away, surface washed. floors cleaned, hoover, hob cleaned even the toilet cleaned :T

He says his learned his lesson and will help out more in future YEY, time will tell, but I'm so chuffed.

My accountant says it's best for me to put the car through my business, so that's just what I will do, I will pay an extra £1000 a year in tax personally, but that's alot cheaper than MOT/Service/Insurance/Repairs etc that I pay now.

Other than that it was a no spend today, and I drove a long way clocking up a milage claim of £106 and had breccy and lunch on expenses.

I hope you're week has started well. S x

in_need_of_direction

If he starts to slip, stage the next strike before he has friends over.

Skinnylatte

He hoovered and put a load of washing on tonight, so it's lasted longer than I thought!

I really have lost the plot a bit with the debt paying, now it's down to 4 figures and all on interest free it's like the debt isn't there any more. Don't get me wrong I've not gone back to my old ways, it's just the impetus to find extra payments has gone.

I did have a bit of a LBM today when I realised I'd been making extra payments on an interest free card - what's the point! I should pay the minimum and put the extra in a savings account and pay off just before the interest free period ends, that way I get a little in interest.

I hadn't received my topcashback payment for match.com so filed a dispute, within 48 hours the money was showing as pending. So I got a 6 month subscription for £20 some pounds, pretty impressed with that.

Bought a bag of spuds from the farm shop for £4, the last bag purchased the week before Christmas has just come to an end. It's not worth growing them for that price.

I'm still doing my sums with the new car. By putting the car through the business I will pay another £1068 in tax, but that's less than I paid in servicing, mot and repairs in the last 12 months, so that's a good saving.

I also discovered that if I fully expensed all the fuel through the business I would pay just an extra £1097 tax through my code, considering I pay around £3000 in fuel every year that's a personal saving of nearly £2000. I'm a bit annoyed that I found that out myself and my accountant didn't tell me, I'm thinking I need a new accountant! The only problem is that I don't think they'll be enough profit in the business to fund the car and the fuel. Mmm, will have to think about that.

I made a scrummy pasta bake with a load of left overs from the freezer and had a work from home day, so pretty frugal in all. Apart from the £49 in fuel, £25 in Aldi and £4 in the farm shop :rotfl:

Ali-OK

And long may it last with DS! Mine surprised us all tonight by making a pot of tea before anyone had noticed he'd disappeared to the kitchen. Fleeting moments of maturity to savour I reckon!

You've done amazingly well to pay so much off in such a short space of time. I feel like I've hit a similar slowing down wall and the urgency has wandered away. Think I've seen others say the last bit is hard too, have to keep on pushing on though.

Well done on sorting TCB, that's a result and the bag of spuds too. Mine always sprout quickly, where do you keep them? Wonder if I should put mine in the cooler/darker garage than keep them in a kitchen cupboard.

I've ended up with brain fog on the company car costs :rotfl: There's definitely the extra tax cost from P11D value/% rate for group. I was trying to work out the extra from getting the 45ppm vs. the business paying the car bills and fuel. But then a fair chunk of my new car is paid for, so that's a business asset that can be offset, but not the monthly payment, but the bit of interest can....or something :rotfl: And savings on zero road tax and doubling mpg/halving fuel needed to be taken into consideration. Ah well, I've done it now and I'm holding my Accountant liable. Leasing is different to buying again so another ball game entirely I think.

The spends were all needs, that's the important thing

in_need_of_direction

Don't quote me as it's a long time since I worked in tax but could you not roll back any business losses against tax paid in the preceding six years. Also, do you need someone to do your accounts or a tax advisor. If your accounts are relatively straightforward and if you could do yourself, I'd always go the tax advisor route. They're specialists rather than trained generalists. Btw, had a near miss 2 days ago when driving to a job. Not sure I'd have had such a well maintained car if it was my own. For me any additional costs are outweighed by peace of mind but I do a fair bit of driving that alternates between long motorway then city drives and driving through rural areas. You just need to go with what's best for you and, heresy of heresy on this site, it may be influenced by factors other than cost!

TheDoolallyDilly

I've just read your diary from start to finish, Skinny, and I wanted to say :T bloody well done to have paid so much off so quickly.

I empathise with your issues with your DD - my younger DS had lots of anxiety issues, and didn't get any GCSEs (despite being very bright, top set for everything), and at his worst, wouldn't even go out. He's now 19, working part time and studying for a degree with the OU and I am so delighted, such a weight off my mind. I hope everything continues to go well for you and your family (and I am now thinking about going on strike to see if younger DS will do some cleaning ....!)

Skinnylatte

TheDoolallyDilly:Thanks for your message. So pleased to hear that your son has turned the corner. It's so hard isn't it when they suffer so much, it's not until they realsie that they have the power to change things that they will change. I really did at times wonder whether my DD would see her next birthday it got that bad, but she's really turned her life round in the past year and like you I'm quite delighted.

in need of direction: Thanks for your thoughts, I will find out about rolling back losses, I knew they could go forward not back. My business is a ltd company so I think I need an accountant to do the official stuff, I don't quite understand what, but he takes care of it. I do think I could do with a better one though. There's a few things I've 'discovered' that I think he should have actually told me about!

Ali-OK: Thinking about the car and all the different implications gives me brain fog too, I'm off back tomorrow to drive my top 2 and will then make a decision. I keep my spuds out side in the shed in a paper sack, really impressed how long they lasted.


I was so frugal today you'd have been proud. I filled up an empty 5 litre screen wash bottle at the garage, it was supposed to dispense 'approximately' 5 litre but only gave me 3, so I went in and complained and they gave me £1 back. :j Which I used to hoover out the car, OK I could have done it with my own hoover for free, but the one at the garage is SOOOO much better.

I had a date last night, so boring I had to make an excuse. I'm developing a repertoire of excuses such as picking DD up from work and having to get back before the shop shuts as we're out of milk, he paid so it was free. (only drinks)

Some good news today, in fact fantastic. DD & therapist agree she doesn't need any more therapy right now. We've got a follow up session booked at the end of next month, but that free's up £150 a month.....

.....ex has decided to move out of my house so I get to move back in
That does mean I'll have both kids which means more arguing, mess and expense, but it'll be good to be back together again, and I won't have to rent any more :T

Hope you're having a lovely weekend, lets keep pushing at this debt, we will beat it!!
Sx