Travelling On

Karmacat

Financial Jobs List

1. Can I get a refund for the now unwanted router?

2. Pay credit cards, put direct debits onto automatic.

3. Check what my French bank are writing to me about.

4. Update my security document. In process.

5. Check what savings accounts are active.

6. Standardise the details I have on them.

7. Some savings accounts have expired, shuffle money.

8. Swagbucks - complete points for £5 Amazon voucher.  In process.

9. Three: ring them up and withdraw all the options for mobile data I took up.

10. Pinecone - find the cashed out £45 of JL vouchers.

11. Use some cash to up my premium bonds amount.

12. Check about claiming State Pension.

13. Read my meter and submit numbers.

14. Transfer reward money for my current account and download statements.

15. Withdraw some money from ratesetter while I'm at it?

16. Check on magnetic knife rack no show.

17. Check on Sun caravan holiday refund.

18. Check no further charges for my old website.

19. Input my new banking details to the kdp/kindle website.

20. Fetch money fromI my dormant cahoot account.

Five done!  I input my current banking details to kdp - I don't think I'm due any money, though somebody did tell me they bought several copies of the book last year - one thing Amazon are genuinely good at, though, is sending royalty money.  I won't check - if it's due to me, they'll send it.  I have ambitions for other books, which is why I'm really upgrading it.  Maybe one about acorns 

beanielou

Good news on the pension.

Karmacat

Thanks beanie

Well, I washed about half the shopping delivery yesterday, so I need to do the rest of that today.  Plus duvet-cover-washing, and some weeding if I can - looks sunny out there now, so it might be.

Finances: it would be good to write the letter to Three, to draw a final line underneath it.  I could also write a letter to cahoot at the same time - I *think* it has to be a letter, not an email.  Otherwise, I could see if my credit card accounts people have a live chat facility - I don't feel up to phone conversations with them and I've tried online before and failed, but I could use live chat to request paperless and automatic monthly payments.  Then I could update my security document at the same time, that would be great.

ETA - amid other admin tasks, I've been writing out my letter to Three I think the real letter is going to be one of those that I don't send - after all, I want to stay with them, just to avoid the faff of changing to another provider.  I might send a postcard, telling them I'm not sending a letter

rtandon27

Karmacat said:

...Well, I washed about half the shopping delivery yesterday...

Well done KC! - Monday is our delivery so I know what my evening will look like!
Veg box arrived today - all unpacked but only 1/2 put away - work got in the way 🤣

Karmacat

I do feel guilty about it, but there was *so* much at one time, I just couldn't bear to.  I haven't done it today yet either but I'll do a lot.

Haven't done quite so much today: another serious family conversation, the letter to Three, and, ta-da, I decided to phone one of my credit card providers and get it set up onto direct debit.  Now that interest rates are so low, I don't need to keep an artificially low amount in my current account, so paying it off will never be a problem.  That happened well, and I decided to go for paperless billing as well - its long past time environmentally, and it will help against the virus too.  Quicker to do it online usually, so I tried and it was going weird.  Three times.  So I phoned back, and they told me online's down.  Sigh ... but all three people I spoke to had really broad scouse accents, it was lovely!  Happy sigh ...

badmemory

Don't forget to save the statements into a folder.  (Preaching to the converted I know but better said than not).  If you do you will never need them but if you don't something will crop up down the line & you will have lost access to the accounts!  The energy forum is full of stories about that sort of thing.  I've forgotten a couple of times when I've been busy with something but luckily been able to still get them.

beanielou

Enjoy your weekend   

Suffolk_lass

Karmacat said:

Signed in correctly to the state pension analysis.  "You cannot improve your forecast any more", hurray, so that will currently be £175.pennies coming my way at the end of the year.  Erm, their records show I have four full years of contributions before 5th April 1975 ... that means that my year in the Upper VI counts too, then, I think.  I don't know ... but this is the gen from their website, so I'll believe it.  Excellent.  No further action needed until I claim within four months of award date, I hope.  Is that right? 

Yes - you would have been credited for full-time education from age 16 - so your sixth-form, and if you went to Uni from there you would have got credits for those years. I didn't, but I waited five years between sixth form and going.

Sadly they are incomplete years for me that I cannot make up (because they are more than six years ago) but of course nobody told me they were incomplete and there was nothing to look up.

I know when I looked I needed to be careful that the forecast was based on an assumption that I was going to work and pay until the April before I reach State Pension Age - and I did no paid work last year so need to make voluntary contribution to make that one up.  The accrued so far amount for me is based on mostly the basic pension, not the new state pension. As an opted out of SERPS person I can still up mine by about £4.50 a week for every year I buy (it takes less than four years to pay for itself).Unless the Chancellor changes the rules I hope to do that when I'm 65.

Karmacat

badmemory - as you say, I do do that, but you're also right, it needs saying all the time, thanks!  I got an "invoice" this morning from the people that manage the letting out to holidaymakers of my French apartment, and that's gone into the "French tax file for 2020" straight away.  All this financial information is one reason I'm so focussed on backing up the computer regularly, of course

SL - thanks for checking it through SL - my record for contributions stops with a partial at 2016/17, when I retired, and its still okay, so I'm pretty sure I'm good.  What a shame about your partial contributions with delaying going on to uni!  I went straight on, as you mention, and I took a gap year, sort of, afterwards.  Which was comically under-used, but there we are - different days!  I think there are two years around then that only have 3 weeks contributions between them!

I did some digging weeding out in the garden - focussing on making a track to the fence for the fence.  There's a *huge* clump of bramble roots near one of the three fence panels that need to go - I'm not sure how to get it out, its a foot across, I'm afraid.  Maybe the fencer will have a pickaxe Anyway, I've got a list from checkatrade, and I'll start phoning on Monday.

Today ... hmmm, that shopping never got cleaned, and its cluttering up the porch.  This is also the weekend that I need to focus on the garden, as the green bin collection is on Tuesday.  And the sun looks beautiful right now!  Beautiful!

apple_muncher

Shopping can wait. It won't send out roots and start growing like the garden...