Cheery's path to fulfilment - finishing the DIY, looking after myself, appreciating the garden 🌻

rtandon27

Cheery_Daff said:

What's the purpose of tracking PAYE etc separately in YNAB? Genuinely asking - I can't imagine what purpose it would serve except making you annoyed! (Which might be what you're going for, of course, but I suspect there's another reason too 😂)

There was a point when I was self-employed as well as employed and being taxed incorrectly, so I like to have the numbers handy for when/if I return to that state.  I also like to know exactly how much I pay in taxes, perhaps it is a hang-over from across the pond where taxes are paid/refunded once a year based on self-assessment rather than taken off at source.  An added benifit is being able to quip exactly how much I pay each month to uphold the 'free' NHS service, when the entitled staff try to lord over the small amount of power they wield! (4.5% of my gross btw - that more than I pay in council tax each month!)

Cheery_Daff said:

Morning chums! 

We were up bright and early enough to get a free coffee from the Octoppds this morning 😁

Left the house at 7am to walk almost 2 miles to the nearest bus stop - fortunately it's a nice mild,still morning, and we saw a deer on the way, as well as some lovely art in the bus shelter 😊

Now availing ourselves of our free coffee as we are 1.5 hours early for our appointment (it was that or 1.5 hours late - got to love a rural bus service 😂)

Oh Cheery I feel for you, hope those cars of yours are back in service soon!  Those long walks to the nearest bus stop are exactly why I purchased in the middle of a small town.  I could not fathom getting myself to work on my own when we lived on the farm! (I don't drive this side of the pond - L is R and R is L iyswim).  Very glad you have free coffee to fill the time!  It's almost the season when I start taking one in a flask to keep warm on the commute, but there is nothing like a free posh one at the end of the commute to keep the spirits afloat!

Cheery_Daff

Urgh, what a day!

Started well enough,  nice breakfast, made it to appointment, picked up his car - which is actually a transit sized van 🙄 rather than the small 2 seater advertised. We initially refused all extras but had a chance of heart about the insurance excess, so rang up later and fortunately they let us add it on.  So £80, plus £139 to reduce the insurance excess from £4000 total to £250. What a bloody scam 😡 declined their breakdown cover as its covers us in any vehicle (and yes,  I did just check it covers vans, and there aren't exclusions for hired ones). Flipping hope we don't have to call them for a third time this week though!!

Mr C does NOT like the van 😬 we had one for years so he's used to driving one this size, but it's unfamiliar and it's been years since he drove one. 

Plan was to get our own car back this afternoon but sadly the supplier didn't ship the part on time and they didn't get it til after 3 this afternoon, so we can't have it til the morning. 

So tonight's trip will have to be made in the van, and we will have to decide whether Mr C has to drive me to the garage (in a different city to tonight's), or if I dispatch myself first thing on the bus/train (my preference).

Yawn. Will be glad when all this is over!! Not hiring a blithering vehicle again!

beanielou

Great amount of free £££'s.