Blast. Don't know how I did it, but last week's MRI on my right shoulder reveals I've torn a tendon. Why couldn't it happen in late autumn when I'd have had all winter to recover from (probable) surgery, instead of now, when I'd be in the garden if it wasn't raining?...
Oh, that's really annoying, with spring just on the horizon. ❤️
Sorry to hear that @Liriodendron. Don't know whether to wish your surgery is delayed so you can manage some gardening over the spring/summer or wish your surgery happens soon so you can get it over with. I imagine it's very painful at the moment.
@steveTu, Premium Bonds aren't taxable and mine have given me a good return.
Yes most of us on full state pension are being hit. I think what they will do is take the extra money off your other payments over the next year. As always those of us that have been prudent and saved a bit are being hit. Those that are super rich have all kinds of schemes to avoid being hit. One rule for them another for us.
It's again an oddity of privilege isn't it? I have a house - so it's not being prudent to save, it's a necessity. My savings are already earmarked for what will need doing to my house over the 20 years or so of retirement. A property has to be maintained. But those savings are seen as a luxury. Again - easy to whinge when I have a house. Others don't have that luxury OR any savings. Wealth is perspective eh? I have more than a lot - others have more than me.
After three days of trying to do business with esure and renew our house insurance policy I found that their website admits that their computer is currently unable to deal with any information regarding policy numbers!
The only advice they could offer was to go to Confused.com and find another insurance company. So I did.
We chose Saga as it seemed appropriate to a couple of old fogeys in an old house. Their quotation was half that of esure for last year so no quibbles there.
Then I thought for a bit of light relief I’d go to the recycling centre and do my bit for the environment. For some reason the car tailgate refused to open. I thought it was just a glitch. The instruction book said to crawl in by the back door and prise off a panel on the inside of the tailgate and slide off the lock cover and open it from the inside. Not easy but I did manage to crawl in like a caver in a pothole and I did manage to undo the lock.
Then I spent half an hour loading up the boot with junk. All the other doors were fine. Ready to go, I tried the ignition. Dead. I thought it might be a flat battery and tried the battery charger. “FAULT!”
So I spent another half hour unloading the junk from the boot, having had to crawl in via the back door again. I called the home assistance number. We’re very busy today. We’ll try to get to you as soon as we can.
I can’t even go to bed to go to sleep and forget about life.
What's the problem with suddenly being in a position where you are paying tax? For that to happen your income must have increased. The basic rate of tax is 20% which means you still keep 80% of any amount received above the tax threshold. I'd rather keep 80% of something than 100% of nothing.
I understand that the personal tax free allowance is £12k pa. If your income is over that then you are taxed on the excess. My OH went just over the limit this year due to an increase in his State pension. Tax was deducted from his small PP. My income is less than the £12k pa so no tax due.
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When you don't even know who's in the team
S.Yorkshire/Derbyshire border
@steveTu, Premium Bonds aren't taxable and mine have given me a good return.
It's again an oddity of privilege isn't it? I have a house - so it's not being prudent to save, it's a necessity. My savings are already earmarked for what will need doing to my house over the 20 years or so of retirement. A property has to be maintained. But those savings are seen as a luxury. Again - easy to whinge when I have a house. Others don't have that luxury OR any savings. Wealth is perspective eh? I have more than a lot - others have more than me.
The only advice they could offer was to go to Confused.com and find another insurance company. So I did.
We chose Saga as it seemed appropriate to a couple of old fogeys in an old house. Their quotation was half that of esure for last year so no quibbles there.
Then I thought for a bit of light relief I’d go to the recycling centre and do my bit for the environment. For some reason the car tailgate refused to open. I thought it was just a glitch. The instruction book said to crawl in by the back door and prise off a panel on the inside of the tailgate and slide off the lock cover and open it from the inside. Not easy but I did manage to crawl in like a caver in a pothole and I did manage to undo the lock.
Then I spent half an hour loading up the boot with junk. All the other doors were fine. Ready to go, I tried the ignition. Dead. I thought it might be a flat battery and tried the battery charger. “FAULT!”
So I spent another half hour unloading the junk from the boot, having had to crawl in via the back door again. I called the home assistance number. We’re very busy today. We’ll try to get to you as soon as we can.
I can’t even go to bed to go to sleep and forget about life.