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Baby steps to mortgage freedom for beanielou.
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Hope you feel better soon.LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1244 -
Thanks lucille
I have hopefually tracked down someone to give me a quote to replace badly broken concrete round a manhole cover in my path next to the drive.
It is ever becoming more dangerous sadly so needs must.
PIP today.
I have transferred more money into the shower fund.
Does anyone know if it might be possible for me to not pay VAT on it as it is going into a wet room?
Next month will be easier as have family birthdays in Jan & Feb. My maw is 81 today
No more family birthdays til Sept when my DS is 30!!
By that time he will be hopefully be doing his probationary year, all going well & hopefully the pay dispute will be settled which will be good for him!I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.5 -
Many happy returns to your mum beanie!!🎂🍾. That's a grand age!😀Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”4 -
Happy Birthday to your maw 👏🥳
Sorry to hear about another fall 🙁
I know you can get equipment for disabilities VAT free, not sure re the shower but don’t see why not.I get knocked down but I get up again (Chumbawamba, Tubthumping)4 -
Thanks both
My maw is fitter & more able than me!I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.4 -
beanielou said:Thanks both
My maw is fitter & more able than me!Have thought of contacting Occupational Therapy re the shower . Our local council are stil funding some diability aids although the cost of living payments has meant funds are limited.No idea what it's like north of the border.pollyxx
It is better to light a single candle than to curse the darkness.
There but for fortune go you and I.3 -
beanielou said:Thanks lucille
I have hopefually tracked down someone to give me a quote to replace badly broken concrete round a manhole cover in my path next to the drive.
It is ever becoming more dangerous sadly so needs must.
PIP today.
I have transferred more money into the shower fund.
Does anyone know if it might be possible for me to not pay VAT on it as it is going into a wet room?
Next month will be easier as have family birthdays in Jan & Feb. My maw is 81 today
No more family birthdays til Sept when my DS is 30!!
By that time he will be hopefully be doing his probationary year, all going well & hopefully the pay dispute will be settled which will be good for him!
Here is the text from HMRC and I have added the link:Bathrooms, washrooms and lavatories
You’ll not have to pay VAT if you’re having a new bathroom, washroom or lavatory installed or an existing bathroom, washroom or lavatory, extended or adapted if the work’s being done to help you because of your disability.
Examples include:
- having a bath removed and replaced with a shower or walk-in bath if, because of your disability, you have difficulty getting in and out of a traditional bath
- having a bathroom installed on the ground floor if, because of your disability, you’re not able to get upstairs
- altering an existing bathroom to allow wheelchair access around the room
It does not include having a new bathroom installed or existing bathroom re-fitted, repaired or redecorated as a general home improvement.
So if you were anticipating having to use a wheelchair at some point and having your shower adapted to accommodate it, you could instruct the builder to not charge you VAT. NB there is no option for HMRC to refund you if you pay VAT, The supplier and fitter should not charge you if you meet the criteria
Save £12k in 2025 #2 I am at £9586.01 out of £6000 after August (158.45%)
OS Grocery Challenge in 2025 I am at £2135.07/£3000 or 71.17% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here3 -
Thanks bothI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.3 -
A sad day for Scotland.
We will be much poorer for it.
Not ashamed to say I cried.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.5 -
Just heard it on a newsflash. I wish we’d have had her instead of the shower we ended up with. I agree it’s a sad day.
January spends - £587.585
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