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15months to debt free - I hope
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Our local PO is franchised to Premier. I hate using it as I don’t understand a word the bloke on the counter is saying. I find it so frustrating 😞
Well done on your perseverance with things, a lot would’ve thrown in the towel by now. Nothing is ever straightforward 😖I get knocked down but I get up again (Chumbawamba, Tubthumping)2 -
Evening allStill heard nothing from Morrisons. So much for for customers first. Anyway despite it raining first thing I risked going to the local high street to post the parcels. All went well except when I crossed the road to go to the bank I heard a lound crunching noise. It happened both ways so I think the road camber must be very steep and catches the metal bar at the bottom of the scooter. No damage anyway. The trip to the bank was good as I had a lot of change to put in. (I put any spare change in my purse at the end of the week to one side). It was all nicely bagged up but they wont take more than 10 bags apparently and I had 14. Anyway she said they would take it this once so the bank account is £153 better off. It wont stay there long as I will have to pay the house clearance people next week but it will help along with the money I got from selling my sisters second scooter.Confirmed times with the house clearance man and checked my sil could pick me up on Wednesday which will make things easier. Just the train down there.Hoovering done and a good clean in the kitchen.Roasted veg and a slice of bacon for dinner so a pretty economical meal. Mr LH was saying he hasnt had home made steak and kidney pie for a long while but as I cant get the kidneys it will be a while longer. My bil used to get them for me so none since April.I cant remember if I mentioned that about 5weeks ago I had a letter or rather bil did from Surrey police. It was saying that his car had been seen on the road and had no insurance. I had told dvla when it went back to the finance company as it wasnt worth selling with a leased battery. Anyway I emailed the police to tell them and wrote to dvla to ask them to sort it out. Earlier this weel complained to dvla that I had heard nothing and wanted to know what they were doing. Today I had an email from the police to say the car is now registered in trade so thats sorted and I wont be getting any hassle hopefully. Its just a shame I have had to write several letters to dvla with no response. So much for their sensitive case team.I need to do some shopping tomorrow so I dont have to get too much on Monday before we take Bear to the field and I catch a train south.I think the wraps up today. Have a good evening4
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Pah to all the so-called customer service but at least the car registration is one less thing to worry about.
I know it's a bit late in the day, but I walked past a Shelter charity shop and it had a sign mentioning they do house clearances, maybe worth a quick enquiry in case it's cheaper?https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 59
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r61 -
Glad the car is sorted."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1
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Thank you for the suggestion but it is being done Tues, Wed, Thurs. There is a lot of stuff.PennysIntoPounds said:Pah to all the so-called customer service but at least the car registration is one less thing to worry about.
I know it's a bit late in the day, but I walked past a Shelter charity shop and it had a sign mentioning they do house clearances, maybe worth a quick enquiry in case it's cheaper?
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Evening all.A frustrating day. I started off to do the shopping by scooter but realised I hadnt put it on charge and when I checked the indicater it looked a bit ify so put the sooter away with great difficulty. It has to be reversed into the garage and I just couldnt get it to go in proerly. It took about 6 goes until I managed eventually by which time I had missed the bus. Not feeling too bad so decided to walk and call into the vet on the way for Bears tick and flea treatment. Did the shopping but the queues at the till and the cigarette counter were so slow I mssed the bus coming home as well so a half hour in very hot sun did me no good at all. There is no shade anywahere near the bus stop to wait where there is a seat. Not feeling great when I got home so nothing done.At lunch time i had a call from the soilitors office which I missed because I couldnt get to the phone in time. Rang them straight back and the person I needed to speak to had gone for lunch. An hour later I rang them again and they were asking if I had sent back the form they emailed a couple of weeks ago that needed to go back as hard copy. It had been posted the day after I received it. Told them that and they said they would look for it in the meantime I have sent another copy as I am away the first half of next week. Now I have realised I missed putting my NI number on it so will send a third copy in the morning to ensure they have it. I have emailed the number to them but it may need to be in my handwriting so a third copy will stop any delay.A friend called for coffee which was nice as they are away for 3 weeks so wont see them again before amost the end of September.Did some weed killing this evening so the garden now smells of vinegar but I think I am at last getting on top of them fo this year.Not a productive day but i seem to have been busy for much of it. Anyway settled now and hopefully tomorrow will be less annoying.Have a good evening4
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Solicitors are so frustrating at times aren't they! Bet you can't wait for it to all be over with.*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1 -
You are right there. At the moment I cant see the end but at least I know the IHT has to be paid very soon or it will start attracting interest. Once that is sorted it will go to probate and I can put the house on the market. A friend did say the process drags on and on and then suddenly it speeds up and is done, I just hope hes right.Sarahwithlove said:Solicitors are so frustrating at times aren't they! Bet you can't wait for it to all be over with.
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But surely they can’t expect people to pay the inheritance tax until the house is sold. Always thought this was a total anomaly in the system.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
I agree. People are having to borrow money at extortionate interest rates to pay IHT. I may have to do this if the charities that money is left to wont allow the solicitor to temporarily use the money they have been left to pay it. It is a nightmarish thought which I dont think my bil foresaw and he had a c*** solicitor who should have advised him of this. I am fortunate that I get a double allowance as my sister left everything to my bil so I can use her allowance as well but the IHT payable will be heading towards £100,000. I am just waiting for the solicitor to return from holiday to find out more. From what he said before he went away it would be paid while he was away but since his staff have either lost the paperwork or it never arrived and they didnt tell me it obviously hasnt been. I dont know why I bothered to email them to tell them I had sent it as I always do and even tell them what postage I use so they know roughly how long it will take and in theory can let me know if it doesnt.beanielou said:But surely they can’t expect people to pay the inheritance tax until the house is sold. Always thought this was a total anomaly in the system.
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