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

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  • Seasidegal58
    Seasidegal58 Posts: 6,075 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    What a shame about your china. ☹️. But you're not being materialistic in being upset about the breakages - we're all allowed to cherish our beautiful things that surround us and give us pleasure. 
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
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    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,120 Forumite
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    Ooh to HMRC , and Aah to the smashed cups and glass . 
    Life is an adventure, never stop exploring.

  • While I'm sure its useful for some things (though I declare a personal hatred of it), please don't present sums or arguments based on ai to HMRC. Ai 'works' by trawling what information is available online (i.e. everything including nonsense, incorrect stuff, outdated stuff, and deliberate attempts to thwart it) and then making itself look good. Ai can be useful for expanding on something once you input the correct answer so you can then fact check what ai tells you in addition to that. It cannot understand nuance and complexity, its just very good at presenting 'information' like it has. 
    HMRC are not going to give two hoots if in several years you owe them many more thousands and you say 'but chatgpt said...'
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 47

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  • jwil
    jwil Posts: 22,173 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry about the breakages, and hope the HMRC call goes ok x
    "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 McGee
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think ai can be helpful for things like this.

    Also the tax office don't always win - often they don't. My dad usually won against them.

    Sorry about the breakages - I get disproportionately upset when I break stuff - possibly because it was such a big deal in my childhood - or it could just be that some of the items are no longer stocked and therefore not easy to replace with identical items.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 29/7/25
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