Good news this morning. I have aside enough to pay the crucial part of the tax bill. Its in an accessible savings account, where I can easily transfer it to pay the bill, but also where I can't accidentally spend it. I also seem to have spare to cover part of another overdraft which is excellent as I do hate to pay interest. And we got the payment from a job from November. Which means we have something to live on. Hurrah. On top of that we got a surprise payment from the tax credit people. I do not understand how they work out what they work out. But I do believe that this is their final decision so fingers crossed they don't ask for it back. Though you never know with them.
Am in the gallery today. With internet connection. Which means I can write this. But also means I am less likely to do the receipts, which I brought in to do. Still. Am feeling much more positive about the whole situation. It is annoying to have to emtpy a savings account. But seriously not the end of the world. Amd actually, looking back on this (already!) I am quite pleased that I have managed to save that money up to support us right now.
Here is to a financially resplendent 2012. And a final note, is that Hub and I are communicating about this. I know that sounds quite ridiculous. But it's not. Its crucial and important and vital. It has been a tad bumpy and no doubt will be so again. But its all open, facing issues eyes wide open and positive outlook in our house. Its what I call progress.
Am reading a very interesting e book about finding time to be creative. Its interesting to me on 2 accounts. 1. its what we do at People Who Do 2. its aimed at creatives which is specifically what I want to do. And reading it, I know a lot about this topic now.
and lastly can I say that last 2 mornings I did get up early and do my Yoga. Yes I feel good about myself.
3 comments:
Oh God, the tax credit people ... I HATE them. Right or wrong, just thinking about it makes my blood BOIL. Last year I telephoned them with our figures about six times, as they kept losing them, writing to say they hadn't got them etc. In the end, it was more hassle than the £30 a month was worth, so I told them to cancel the claim with immediate effect. A month later, I started getting payments of nearly £500 every month. WTF? I have swept it all into a separate account (£3k and counting) as no doubt they'll ask for it back, but what is WRONG with them? I totally refuse to deal with them any more on the telephone as they just tell me I haven't called, they don't have any record of previous conversations etc etc. Everything I say to them from on will be via registered post in a letter. What a bloody mess. And the sad thing is that our country doesn't have the money to chuck around like this to people who aren't entitled to it (me, that is). How many other people are being paid money they're not entitled to. Bloody shambles, the whole tax credit department.
Sorry about that, just had to get it off my chest!
I have absolutely no idea how they work any of it out. It makes no sense whatsoever. I have it on my to do list to call them to make sure that the payments they have made are their final decisions. I reckon that they must have no idea what is going on either. they have never asked for anything back mind. I agree that they will def ask for that £500 a month back. it is totally crazy. do you think that there is anyone else with your name?
No, I know EXACTLY what they've done. I phoned them with last year's figures and for some reason they put them into the comments section of their computer records, rather than the box where income, other income etc are supposed to go (which I didn't know at the time). They then wrote to me again asking for the info I'd already given, so I phoned again, told them I'd already given them the figures, went thru them all again, they found the original figures in the comments section, said they'd changed them to the right place. More letters, more phone calls back to them, times 3, eventually I phoned them and said, cancel the claim with immediate effect, it's not worth the hassle for £30 a month, which was what I was due.
I think what happened subsequent to that was that instead of cancelling the claim as I'd requested, they zeroed all the income figures, and the computer thinks that we now have an income of zero, so they're sending me the maximum amount you can have, which is £494, every month. Another £494 arrived yesterday!1
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