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Living Large, on a Small Income, by the Sea.

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Comments

  • Rhyddid2026
    Rhyddid2026 Posts: 794 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    What a find, with the lamp and then the bulbs! Lightbulbs have got far too complicated in recent years I reckon. 

    Debts                04/01/25         01/12/25   
    Natwest2           £6,509.97       £5,600 
    NatWest CC      £7,612.74       £6,680
    Lloyds CC          £6,112.60      £4,690
    1st Direct CC     £176.03         £144.20
    CC total             £20,411.34    £17,114
    TSB OD             £500              £0
    1st Direct OD     £600              £0
    Car loan             £4,000           £4,000
    1st Direct Loan  £10,684.44    £8,160
    Total                   £36,195.78    £29,274.20
    EF £1,002.83
    HF  £
    203.99
  • Seasidegal58
    Seasidegal58 Posts: 6,137 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    What @PenniesIntoPounds says........👍😀

    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • PennysIntoPounds
    PennysIntoPounds Posts: 5,444 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Eek to 2k demand! Hope the call goes well, after procrastinating doing my HMRC call today once I rang the chap was very nice and helpful. Though I did swear quite a lot at the automated lady beforehand. 'There wouldn't be a 20 minute wait if you weren't wittering on and on with useless information, it's 2025, I'm perfectly aware the internet exists thank you' 🙄
  • Seasidegal58
    Seasidegal58 Posts: 6,137 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Oh!  Not good news on the tax demand!  Do you think it sounds correct?
    I agree about the eyebrows as one gets older. The last third bit of mine has disappeared over the years and they are somewhat thinner than they used to be anyway. That means at least they aren't bushy, but I use a tinted brow gel to colour and smooth them down and a light pencil on the end third to give them some length. They look much better when I do this. 
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • Tresinia511
    Tresinia511 Posts: 307 Forumite
    100 Posts First Anniversary Name Dropper
    Dia, I'm self employed along with employed. If you've ever filled out a tax return, you soon realise the basic rules although with your business interests, there is likely room for confusion lol.  Hmrc tend to work out a maximum liability and make you work backwards from there.  My advice? Put all your income and expenditure into copilot or gpt chat. See what it says and use it to query the fairy tale that hmrc wants to spin you
  • Tresinia511
    Tresinia511 Posts: 307 Forumite
    100 Posts First Anniversary Name Dropper
    Dia, not always
     Know your own figures
  • beanielou
    beanielou Posts: 97,486 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Boo to the breakages & eek to HMRC.
    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.
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