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  • Thanks for your good wishes ! I hope that you all had a good Christmas 🎄
    So, it was nice and calm . Yes..I did watch home alone 2 . The three tenors was good also
    Plus the snowman ⛄️and the tiger that came to tea 🐅
    I was at the back of my mind expecting the druggies upstairs to have another Christmas party. What happened , was that his pal was waiting in his car outside my window looking wired up and out of it ,and uncomfortable . They drove down to his abode. So all good.
    🤞they don't have one tonight or tomorrow which is New Year's Eve . 
    The turkey was well cooked , and lasted 4 days from Christmas Eve onwards. 
    I have / had a phobia of using ovens since a couple of episodes years ago and also chucking too much oil on my food in the past . I have a fan oven / grill which I will get someone to clean for a small fee as repetitive movements affect my condition . 
    I haven't been out walking🐾 due to the changeable weather 💦⛄️🌨
    I took 3 days off training, but have started again 2 days ago and have done 3 days on the trot 🏋️‍♀️🐺. 
    I received my drawdown amount from my sipp. This time it has been taxed. Not sure if I get it back . I got given a tax code and paye no. I received a reply to my email questioning it. I then got given a new tax code . The positive thing though is that my credit card is cleared. ( I will receive a small bill at end of jan due to  statement dates etc) .
    I receive another payment from universal credit on the 5th of jan and pip payment near the end of jan so 🤞 I should be in control of my financial destiny this year. 
    I have eaten most of the excessive junk of crisps / fizzy drinks etc but it is almost finished
    I am fed up of that now, which was the plan . This means no more will be ordered on my future shopping 🛒. Of course I'm still going to have chocolate . 😸
    Two other things to note : James is still busy in his new home and hasn't contacted me yet
    No rush . Hopefully will do something in jan .
    The other thing , is my new neighbours . Nice Chinese family . I've only seen the husband to talk to when he first moved in . Nice guy. Anyway , I received a nice card and stone ornament from them wishing me a happy Christmas. 🎄Of course when I saw it, Christmas was over . So I may have to see if I can get them a new year card. I'll have to google when the Chinese New Year starts. 
    Anyway, I hope that you all had a nice Christmas albeit a 😷one. 
    Happy new year if I don't log in for a bit . 😼
  • doingitanyway
    doingitanyway Posts: 9,886 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    edited 30 December 2020 at 3:06PM
    AC do post on the pensions section about your drawdown tax. You may be able to claim some back?

    Glad you have good neighbours. Are they renting or have they bought?

    A friend gave me some chocolates for Christmas and I decided to regift them as I did not want to eat them. You've guessed it. Just eaten them. Whoops!

    If you don't log in for a bit, happy new year to you too :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 0/1000
    Buffer fund 0/100
    Debt March -1,119 (April) -889 (April) -498 (April) -378 (May) -875 July (190)
  • AC do post on the pensions section about your drawdown tax. You may be able to claim some back?

    Glad you have good neighbours. Are they renting or have they bought?

    A friend gave me some chocolates for Christmas and I decided to regift them as I did not want to eat them. You've guessed it. Just eaten them. Whoops!

    If you don't log in for a bit, happy new year to you too :)
    Thanks DIA 😼
    Unfortunately they are renting . Having said that, the tenancy was worded " long tern "
    As for the others , the place was purchased by a buy to let investor with the druggies being his first tenants . I notified the managing agents of him advertising it with wooden flooring which is not on for an upstairs flat . The other flat is carpeted . So far , so good but I just have to keep one eye open . 
    Yes, I think you're right about the pensions section . I'll go on there later . 
    Chocolate is good 😸
  • jwil
    jwil Posts: 21,857 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy New Year!
    "If you can dream it, you can do it". Walt Disney
  • harz99
    harz99 Posts: 3,721 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Home Insurance Hacker!
    edited 1 January 2021 at 12:55PM
    Well we all survived 2020, now we're in the brave new world of 2021, The Year of the Vaccine💉 , and the only way is up🚀🍻.
    Happy New Year AC😁.
  • harz99 said:
    Well we all survived 2020, now we're in the brave new world of 2021, The Year of the Vaccine💉 , and the only way is up🚀🍻.
    Happy New Year AC😁.
    You've been there from the start Harz . You seem to be delurking more often ( which is great ) , plus emojis as well 😸. Just when you were out ...
    Anyway happy new year ! 😸
  • Happy new year to all , or happier hopefully ! 
    I hope that all of your Christmas situations were better than expected and you all enjoyed things better than anticipated .  I look back on 2020 as a year of hijacking , unnecessary division , hypocrisy ,self entitlement ,  tension and anxiety  and confusion . Obviously confusion . It has put me off of all sports , made me listen to less radio and  made me detest patronising celebrities even more than ever . Plus the people smashing up statues haven't got any covid and are invincible , or so it seems . I'll leave that there .. 

    New Year's Eve wasn't too bad . I watched a live virtual gig by Jean michel jarre at Notre  dame cathedral .  
    The rest of the time I have been keeping up the exercise 🏋️‍♀️🥵, although I missed about 4 days in 2 weeks . I needed to , as at times my health wasn't too good . My speech was deteriorating more often . Even the postman thought I was swearing at him while I was wearing my mask 😷
    Crisps still gone . I went out for a walk this morning , for the first time in a while 🐾
    I put on my jeans ...just ! That's due to all the excessive rubbish so I have something to aim for now . It'll take a few weeks at least but then  again it is winter and I am like a bear in hibernation anyway .🐻 Life is restricted for most of us anyway .

    Looking at the flat , I don't think too much needs to be done .Obviousky I won't hear from James . The carpet can wait to be cleaned , as can the oven .  Looking at all the kitchen clutter, I'd say if I could get James to build a couple of shelves in the kitchen cupboard , then that job may be all I need there . I will offload the chair beds via fleabay , plus air bed and unused quilts in the spring / summer . I will then replace with a sofabed . I made mistakes but now have a plan at long last and the pip payments will be put to proper use when I can do so . 
    My future is based on assessments . I have to take each hurdle as it comes . 🤞I can still manage and will have less stress as and when I am assessed . I could be a lot worse off .

    I received a letter from nationwide about them acknowledging me going into my arranged overdraft . It's a general letter imho and thankfully they haven't decided to stop it .
    Being on universal credit , it's quite obvious I would be 🤦. My aim is to not go into it this year . Credit card paid , and will be completed in full when end jan statement comes through . I will wait till may regarding my tax deduction from my sipp withdrawal . I'll ask a question and hopefully the answer goes in my favour . If not , then it's nit the end of the world . I notice on my journal that universal credit hvent asked me about my sipp payment 
    Obviousoy over worked .
    I'll leave it there ...🌨⛄️

  • MrsPorridge
    MrsPorridge Posts: 2,928 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    AC looks like you have some nice clear plans ready for this New Year.
    Debt free and Keeping on Track
  • AC looks like you have some nice clear plans ready for this New Year.
    Hi Mrs p 😸
    Tbh, I think that not much should change due to the corona situation . Obviousky , I should stop procrastinating finally 😸as I have kept chipping away and hopefully things should be manageable . I don't ask for a great deal , which hopefully helps .

  • doingitanyway
    doingitanyway Posts: 9,886 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Your plan for the year looks good. 

    You have managed the UC/DWP situation well, taking it stage by stage without allowing it all to overwhelm you and it has definitely worked well for you. I hope 2021 treats you kindly.

    You have done great with exercise as usual.
    On Thursday L1d1 have kettle bells for £5 each. 6kg and 8kg.I will be buying both in a bid to get fitter! 

    Open shelving in the kitchen sounds like a great idea.
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 0/1000
    Buffer fund 0/100
    Debt March -1,119 (April) -889 (April) -498 (April) -378 (May) -875 July (190)
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