Had a mortgage too long - it's going, going, gone!

Luckyinlife

Im glad everything is ok ali fingers crossed for you

I also got my tax bill this week grrrrr merry x-mas hey from hmrc they could send us a card at least lol

Iv looked at my payment on account and i think i could pay less nearly 2k less this jan and i save the tax bill + the payment on account
Do you double check your payment on account ?

I used the premium bonds this year for my tax money they been chucking me 25/50 most months :]

it should stay low for a while now the fuel at least till the tax debate next year

AlexLK

Glad to hear your mother is home. All sounds rather positive, especially news that the CBT has helped.

Ali-OK

Thanks Lucky - aiming for short term goals now, so having Mum home and with us for Christmas is the first - half way there

I'm convinced tax bills come 6 weeks early in December to remind us not to spend the money on Christmas :rotfl:. July ones usually arrives early same month. Odd!

I always pay the Jan one as is, but if I get my accounts in to accountant early after financial year end, he gets the July one righted to exactly what I owe (unless it's more than requested then we leave it ).

Generally works out to my advantage, but see your point too and always know what the bill is going to be as Accountant sets it out.

Yes, I read you putting it in Premium Bonds - that's a good idea especially with the wins you've had. Think I've made about £50 in interest in the last year!

Think you're right on fuel - certainly driving will make me man up to any panic symptoms

Luckyinlife

Ya will be great to have mum at home with you :]

It does a week before x-mas really come on haha

Ya if you overpay in jan on the Payment on account do you just adjust the july payment on account is it ?

shangaijimmy

As if Christmas isn't busy enough and it throws all that at you!!

Ali-OK

AlexLK wrote: »

Glad to hear your mother is home. All sounds rather positive, especially news that the CBT has helped.

Thanks Alex - CBT couldn't have come at a more important time, so grateful for that and on the NHS too

Luckyinlife wrote: »

Ya will be great to have mum at home with you :]

It does a week before x-mas really come on haha

Ya if you overpay in jan on the Payment on account do you just adjust the july payment on account is it ?

It'll be a special and likely emotional Christmas this year.

Spot on with the adjusting - usually early May we're sorted, but then I've usually submitted to accountant within 2 weeks of year end as I'm sad like that :rotfl:

shangaijimmy wrote: »

As if Christmas isn't busy enough and it throws all that at you!!

Glad I'd shopped/wrapped by mid-November! A lesson in there somewhere.

debtfreeoneday

Sorry to hear your Mum isn't well, but it's good she well enough to be with you.

Boo to tax bills, but yey to p-cone and low fuel prices!

Skinnylatte

Just having a catch up, what a lot you've been going though :grouphug:

Glad to hear the CBT has been useful, and Mum home for Christmas

I have my tax taken from my PAYE and I got a similar letter a few weeks back. My tax code for next years been amended to 550

Maximum_Saving

Hello there. I can see that you have a 5 year fixed mortgage with a 5% early repayment charge. Good luck paying off your mortgage. I have an interest rate of 4.09 on my mortgage.

Watty1

Glad you have mum home.


Can I ask how you came by CBT on NHS? Just because am aware I really need to do something for me....