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Alchemausterity II
Comments
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Haha it was ok.
Today I must
Book car in for MOT & Service
Move table and chairs from my study-to-be
Do at least a load of washing
Contact bursar and payroll about pension opt-out
Do something about DS' parents evening
Bonus points if I sweep the floor and clear the kitchen counters.6 -
I did all the things apart from the kitchen counters. I also spent 26 minutes on the phone to HMRC to try to avoid going on emergency tax code (epic fail, as they say!).6
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Hurray, bonus points, but horrors, emergency tax code
sorry to hear that. It's not permanent, but it does mess up the cash flow, for sure.
2023: the year I get to buy a car6 -
Children! They can be so delightful - or not!
Hope the pay situation isn't as bad as expectedAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/255 -
At least you're trying to sort the emergency tax code. I once worked with a guy (lovely but a bit ineffective) who stayed on emergency tax for nearly a year without chasing until the gumint caught up with him. I wonder what his poor wife thought?!4
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Apparently you need a P45 to get off emergency tax. Is that right?
Thanks KC. @savingholmes you are so right about children!!
@edinburgher wow he really wanted to give the government an interest-free loan?
Chemo done, there was a lot of faffing so I've basically spent a day and a half driving up and down the same 20 mile stretch of road.
This morning I helped a Mum friend move house (I'm really achey now).
Tomorrow looks like school run, car in for MOT, help friend unpack for an hour, catch a lift home, watch Dad put up my study curtains and pole, and assemble my desk and chair, school run.
I am starting to think about my new routine and building in some exercise and cleaning.
Still trying to find a refugee to support.6 -
Part of the problem with HMRC is that by the time you get to end Feb & into March don't want to know. You should not be on emergency in April even so a P45 wont help as it is a different tax year. In fact with some of the amateurish payrolls, giving them an out of date P45 would be an extremely bad idea. There are several threads on here where their payroll hasn't noticed that the P45 refers to the previous or even an older tax year.
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You should be able to fill in what used to be a P46, and I also suggest contacting the HMRC to tell them that the new job is now your only job so they send a tax code sooner rather than later. I think you can do this on your personal tax account now
https://www.gov.uk/government/publications/paye-starter-checklist
My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo5 -
Is today the last school run for a bit?
NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!3 -
Thanks @badmemory and @redofromstart.
@apple_muncher no, because I am planning my hours around the school run until either DH is well enough to do it or he breaks up (mid July).
After that I'm hoping I can do compressed hours like Ed and have four day weeks.
Today has been a whirlwind.
Cleaned windows and steam mopped floor in my study before school run. Dropped my car to garage after school run, helped friend unpack boxes for an hour. Had coffee and early lunch with the olds.
Dad drove me home and we (mostly he) put up a curtain pole and curtains then assembled new desk and chair. Then he drove me to school where I waited (thirty minutes in the freezing cold, still thawing, lulled into a false sense of security by blue skies and sunshine) collected kids, walked to garage, admired their puppy and collected car.
Bought kids home, gave them tea and cake and put dinner on before collapsing.
Planning to unbox my IT gear after dinner and video call at 8 (seven our time) with a Ukrainian family who might come to stay.6
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