Finally Debt Free After 34 Years, But Still Need to Live Frugally

HairyHandofDartmoor

DH and I have spent an hour on the VAT return. We'll finish it tomorrow but I have a good idea of how much we'll have to pay this quarter now.

DH has also agreed to de register for VAT at the end of March and I'm delighted because I've been wanting that outcome for years . There are some new regulations coming in that will make it hideously complicated and we'd have to buy some new software to file our returns online :eek:. So even DH has decided that it's got too much to cope with. Less stress all around.

I've also filed away a load of bank statements, etc, that have been lying around our office.

I am now officially shattered! But I'm pleased with all our efforts today :T. We've worked hard and got a lot achieved .

beanielou

HairyHandofDartmoor wrote: »

DH and I have spent an hour on the VAT return. We'll finish it tomorrow but I have a good idea of how much we'll have to pay this quarter now. DH has also agreed to de register for VAT at the end of March and I'm delighted because I've been wanting that outcome for years . Less stress all around.

I am now officially shattered! But I'm pleased with all our efforts today :T. We've worked hard and got a lot achieved .

What a positive & productive day
Fab news on the VAT.

System

Great work HH , at least you can say now that you tried and even if nothing comes of your claims you won't wonder what if. I very much doubt though that you will be getting nothing . Let's wait and see.
Good news on the VAT situation as well .

I think you have done brilliantly. Have a good evening .

daisy_1571

carbootcrazy wrote: »

Yes, definitely agree about the fringes:j:j:j

I never had a Stetson, in fact I was never into any kind of hats.


I did like the occasional bandana though:o and remember wearing a really fetching (in my opinion anyway:rotfl:)home-made tie-dyed red one in the late 60s when I was visiting my cousin who had 2 young daughters. The 4 year-old was really sweet, came up and gave me a cuddle and told me she hoped my head would get better soon. I think she thought it was a blood-stained bandage:rotfl::eek:

:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl: out of the mouths of bairns :rotfl::rotfl::rotfl:

My nephew (4 at the time) loved scooby doo. We had just been to Disney and i framed a photo of the character, which I had taken especially for him, framed as a proper framed pic but made in cardboard covered with bright children's wrapping paper to give him as they were going to Disney soon. I thought it would get him excited about seeing the characters. He looked at it and asked did you make this? Terribly proudly that I had made something for my darling little nephew I said yes i had and waited on the thanks to roll in. Instead he asked- "Couldn't you gave bought a better one?" Soon brought me back to earth :rotfl::rotfl::rotfl::T:T:T:rotfl: cue mortified sis in law but I found it hilarious and still do

Dxx

daisy_1571

HairyHandofDartmoor wrote: »

I'm very pleased with myself and DH because for years we've been victims that have been kicked around like a football by the financial institutions. They've traded on our ignorance, poverty and desperation to exploit and make money from us. Finally we're fighting back :j.

FANTASTIC love this. No one minds a business making a profit but its sickening some of these large institutions making sky high money out of us. And I include the trains and electric/gas type institution here too. When they announce their profits as "only" blah de blah million etc. They should be happy to break even these type of firms as its us us us that pay for these profits. Nothing wrong with breaking even. It means you have priced your product right to get it sold, cna pay your overheads and staff and not lost anything.

Sorry. rant over

Sorry that got a bit communist-y (which us a great idea in theory but humans seem incapable of making it work)

Dxx

HairyHandofDartmoor

daisy_1571 wrote: »

FANTASTIC love this. No one minds a business making a profit but its sickening some of these large institutions making sky high money out of us. And I include the trains and electric/gas type institution here too. When they announce their profits as "only" blah de blah million etc. They should be happy to break even these type of firms as its us us us that pay for these profits. Nothing wrong with breaking even. Me and you have priced your product right to get it sold, pay your overheads and staff and not lost anything.

Sorry. rant over

Sorry that got a bit communist-y (which us a great idea in theory but:) humans seem incapable of making it work)

Dxx

I agree Daisy. I don't mind private companies making profits, but when people can't afford to heat their homes and energy companies are making millions in profit it seems unfair. Also when people lose their homes due to not understanding the terms and conditions on their mortgage etc it seem immoral when the banks are making fat profits :mad:.

I can rant too :mad:.

doingitanyway

Just watched our MPs debate and to be honest I'd rather give my vote to Daisy

Well done on all you have accomplished today HH. You put the work in so you will reap the rewards. Those are the rules

HairyHandofDartmoor

doingitanyway wrote: »

Just watched our MPs debate and to be honest I'd rather give my vote to Daisy

Well done on all you have accomplished today HH. You put the work in so you will reap the rewards. Those are the rules

Votes for Daisy :rotfl:.

Thanks DIA . In my experience of being self employed there are many times when you put in the work and reap zero rewards. But I'll try and be more optimistic this time .

Onebrokelady

Well done on sorting all those claims Hairy,my friend keeps on at me to do it but I dont have any paperwork at all for any old cards and becasue I work for the nhs and knew I would be paid for 6 months at full pay I think I normally opted out of any ppi,the bank account I had before this one was a packaged account but I've no idea if I can claimfor that,it started off as normal current account then they switched it to one I had to pay a monthly sum for

Sun_Addict

Of wow you've got through some stuff today! Fingers crossed at least one of the PPIs comes good