The Diary Of Onebrokelady Aged 60 And A Half

Makingabobor2

badmemory said:

Your state pension can be either weekly or 4-weekly, but not monthly.  Also there is currently no way of taxing it at source.  So anyone on the new state pension will start getting an annual tax bill as soon as it goes up by 9%.  HMRC can't cope now.

An annual tax bill?  It thought we had to submit a self assessment online, didn't think they actually send us a bill?  We have to add any other income to it, including anything over £1000 that we make from surveys, as far as I have been told. 

badmemory

They stopped me from filing self assessment years ago & they do the simple assessment instead.  Unfortunately DWP notify them of your state pension & I live in hopes that they may one year get it correct.  I'm sure that is why they didn't want to take calls because of the number they must get saying you have it wrong.

Sun_Addict

Is one of the amounts of money enough to cover bills and the other for the rest? For example is your wage enough to cover the bills and the pension your other stuff. When Mr SA was working he was paid weekly so we earmarked my monthly income for bills and his for the rest. 

Onebrokelady

Sun_Addict said:

Is one of the amounts of money enough to cover bills and the other for the rest? For example is your wage enough to cover the bills and the pension your other stuff. When Mr SA was working he was paid weekly so we earmarked my monthly income for bills and his for the rest. 

This is what I’m having trouble working out. I need to sit down and look at it in depth and check all the dates.

Onebrokelady

Does this make sense or am I just making  work for myself. 

I was thinking when I get paid on the 27th of March I could draw out the equivalent pension payment from my lump sum so all the money is there then pay the pension back into the lump sum. Does that work or is it a daft way to do things. 

Onebrokelady

Well that was a productive afternoon😀 I didn’t come in until 6 pm. There’s still loads to do but I ran out of time. The weather is meant to be nice again tomorrow so I will have another go when I get back from taking B to the vet.
 I also got rid of lots of cobwebs on the chicken run because I’m fed up of them getting stuck on my hair then doing a crazy dance in case there’s spiders 😀I also noticed lots of scratches on the bottom of the door to the run so something has been trying to get in there. I need to mend the latch before something succeeds.
 I had a small paving slab that has been decorated with mosaic tiles wedged in front of the door but the other day I found it knocked over and it’s heavy so there two there now. Something has also been pulling at the wire where it’s attached to the bottom of the frame. It’s a really strong weldmesh so critters can’t chew through it so whatever it is has tried pulling it off😳

Apparently according to the weather man it’s going to turn cold on Friday then we are getting more rain so my plan is to do the garden tomorrow then indoor stuff the rest of the week. I’m meeting friends for coffee on Friday morning in town but will be home just after lunch so I’m planning on doing some more of my bedroom if the weather does get wet 

oh I nearly forgot I rescued a toad from the patio. I was clearing a pile of leaves when I saw it move so I carried it up the garden and put it out of the way of the chicken. I covered it in leaves and there is half a clay pot up there so I used that to make a house with a plastic saucer balanced at an angle at the front. The toad can get out but hopefully nothing will investigate. I checked before I put the pot down that it was covered up and it looked pretty comfy 😀

Cherryfudge

Onebrokelady said:

Does this make sense or am I just making  work for myself. 

I was thinking when I get paid on the 27th of March I could draw out the equivalent pension payment from my lump sum so all the money is there then pay the pension back into the lump sum. Does that work or is it a daft way to do things. 

I'm trying to get my head round this and I think it would work, but if it were me, I'd lose track or forget and end up out of pocket from the lump sum.

How does this sound? Give yourself a semi-permanent load from the lump sum as a one-off, at the same time as your wages. So long as you spend within your means, by the time you've spent it, it will be replenished from your pension. You could perhaps pay yourself back slowly till all the original is back in the lump sum.

I think paying all your bills soon after the larger piece of income arrives sounds sensible, unless your current account pays interest. Once they are paid, the rest is yours to live off.

With regard to the garden, our isn't as long as yours but the mild, damp weather has encouraged the weeds for far too long. I think this year we will be playing catch up with them.

And it's good to hear the pins and needles cleared up while you were out and about! Is it something to do with circulation, perhaps?

Onebrokelady

Cherryfudge said:

Onebrokelady said:

Does this make sense or am I just making  work for myself. 

I was thinking when I get paid on the 27th of March I could draw out the equivalent pension payment from my lump sum so all the money is there then pay the pension back into the lump sum. Does that work or is it a daft way to do things. 

I'm trying to get my head round this and I think it would work, but if it were me, I'd lose track or forget and end up out of pocket from the lump sum.

How does this sound? Give yourself a semi-permanent load from the lump sum as a one-off, at the same time as your wages. So long as you spend within your means, by the time you've spent it, it will be replenished from your pension. You could perhaps pay yourself back slowly till all the original is back in the lump sum.

I think paying all your bills soon after the larger piece of income arrives sounds sensible, unless your current account pays interest. Once they are paid, the rest is yours to live off.

With regard to the garden, our isn't as long as yours but the mild, damp weather has encouraged the weeds for far too long. I think this year we will be playing catch up with them.

And it's good to hear the pins and needles cleared up while you were out and about! Is it something to do with circulation, perhaps?

 I don’t think I would lose track as it’s just a case of moving it from one account to the other when it comes in. The pension payment and my wages are almost the same there is £11 difference so neither is enough on its own to pay many of my bills. I still haven’t looked at it yet and I think it will probably be easier than I’m thinking

Onebrokelady

Woke up nice and early to take B to the vet and I’m glad to say there were some treatment options for us to try. We ended up walking there very slowly because I was too worried to wait for the bus. It used to take us 30 minutes but took 40 today so not too bad allowing for sniffing everything ( B not me ) 

I saw a vet I haven’t seen before he seemed very thorough. B now has two lots of meds to take so we will see how she does with that. He wanted to give her another librela shot but I said no after the last time she had it as it definitely didn’t help and I think made her worse. He didn’t agree that that is possible so I told him to look up peoples experience of this drug and get back to me. He said if that had happened it needed reporting to DEFRA and the company as an unwanted side effect so I told him I had already done that along with several hundred other people but no one seemed to be listening. He was ok with my view and I agreed not to rule it out as a very last resort. 

I was worried she couldn’t have any other treatments because of her kidney disease and what do you know it’s very very mild and in fact some of her bloods were normal so the last vet I saw who told me she needed special food was talking nonsense. This vet said she didn’t need it but it won’t hurt for her to have it which is fine but it’s £26 for a 2kg bag so it matters whether she needs it or not. People ask me why i don’t trust vets 😳😟 Todays visit cost £134 so not too bad and the drugs she has been given aren’t massively expensive like Librela at £84 a month. I have to trial them for three months total but he wants me to take her back in a week if no improvement or I can leave it a month if she improves . It was quite funny because he gave her an injection that is similar to morphine so I had ten minutes to get to the bus stop before she became sleepy 😀she did  make it home without me having to carry her though, she’s been asleep on the settee since we’d got back.

I wasn’t feeling too good this morning so I also fell asleep when we got back I woke up with cat perched on my chest 😀 I haven’t been out in the garden yet today but will go out in a bit to do some small jobs 

Sun_Addict

So pleased for you about B 😀 She’s doing incredibly well for her age bless her ❤️ 

My dog has to sniff and leave her scent on every inch of pavement it takes ages to get anywhere with her.