Keep calm and carry on....

South_coast

Ah, excellent. Thank you 😀 There is indeed an X on the end, so I shall diarise an 8.00am call in April if needed x

badmemory

It is a good idea to "spreadsheet" your tax affairs to get used to your "liabilities" whilst still working & feeling 100% with it.  You would think retiring would make things easier.  Believe me it does not.  I never had to contact HMRC until I started late taking my state pension.  Over 8 years now & I still have to contact them yearly about something.  I must admit though that it is mostly about the DWP giving them the wrong state pension figures.  Goodness only knows what will happen when I start going gaga.

killerpeaty

HMRC gets really confused. When my mum received her widow's payment (the one that covers one year), she was being taxed like she was receiving the full amount twice over two years. Apparently no other person has ever died par way through the tax year 

Having said that, I make mistakes so I can't talk.

South_coast

We all make mistakes KP, it's the way you deal with them that counts 😀

couth

South_coast said:

Anyway, perspective:
I actually have a job - and it pays well
I can comfortably pay my bills - pouring a huge % of my monthly income into the mortgage is a choice, not a necessity
I have people that love me
I am generally in very good health
I have a roof over my head, in one of the richest countries in the world and was able to have an education
I am lucky enough to live all year in somewhere that other people choose to come on their holidays
My neighbours don't complain when I listen to loud music at the weekend :rotfl:
I have a washing machine which is cleaning my clothes for me at this very minute (in my last year of uni our washing machine broke and I was too tight to go to the laundrette and did my washing by hand in the bath - leading to some very creaky underwired bras which had objected to being wrung out!) On reflection, probably not the best way of spending my time when I could have been studying

Feel better now :D:D

So strange, OP... I clicked on your thread to read the last posts, and this is the post that came up first - mse took me right to it. I so needed this, as I'm feeling rather low atm. I need to write down my own list of positives. Thank you  

South_coast

Thank you too 😀 I think I needed it as well.... I've been spending far too much time dwelling on the fact I'm now earning 44% less and not enough on all the good things I still have in my life, so thanks for re-posting it x

South_coast

Just as a random Sunday evening pick-me-up.... Here is DCI John Barnaby again, this time in an early episode of Midsomer Murders before he became DCI John Barnaby 😀 He's playing a very randy gardener 🤣!

South_coast

The cheque for my ISA withdrawal has now cleared, so have transferred it across to the LISA. Another OP has also credited, so have updated my signature (no ERC deducted again 🤔🤔🤔)

Nothing else exciting going on. Work, sleep, eat at the moment....

ruby_eskimo

Think that's all we're all doing at the moment   Glad the payments have finally cleared, it's always worrying when you're just waiting on something and hoping you entered all the bank details correctly, or in my case that you actually got round to doing it and not just thinking that you did

South_coast

I honestly thought that was the case when nothing was happening! I ended up requesting the ISA withdrawal twice as the balance hadn't updated. Second time lucky! The mortgage OP's are still running behind, but I've drawn myself up a whizzy chart to show what I've paid and when and then tick off the payments as they come off so nothing gets missed! I'm watching you, bank 👁👁!!!