Expensive time of year ...

[Blue_SV650S]

Not only is Christmas looming, over the next 8 weeks I have lots of money going out on stuff I wish I didn't have to spend ...

I have Van Tax, Van MOT, Car Tax, Car insurance, Bike Tax, bike insurance and MOT (that might be Feb actually) ...

So that is about a grand on legalities!! :smt089

Legalities suck!! :thumbdown:

Anyone else have a whole host of annual bills come at once like this???

I pay pretty much ever other bill DD, but always paid insurances and tax etc up front as it is cheaper ...

[Frank]

tell me about it.Left the garage after sorting out my new car and jumped into my van to take it for its MOT.BOOOOM.Back out to buy a new van.Dont ask how much.

[Ed]

Not only is Christmas looming, over the next 8 weeks I have lots of money going out on stuff I wish I didn't have to spend ...

I have Van Tax, Van MOT, Car Tax, Car insurance, Bike Tax, bike insurance and MOT (that might be Feb actually) ...

So that is about a grand on legalities!! :smt089

Legalities suck!! :thumbdown:

Anyone else have a whole host of annual bills come at once like this???

I pay pretty much ever other bill DD, but always paid insurances and tax etc up front as it is cheaper ...

It's cheaper to drive uninsured and pay the fine:rolleyes:

[metalmonkey]

Haha no insurance is 6 points and £200....I think the fine is a joke really.

Hmm, Well it my mum's 50th coming up so thats gonna be mega, a few parties for xmas, plus xmas its self sigh. The small fact I still owe money on my credit card and over drawn on my grad account:( But its not costing anything so thats good! Interest free yah!

I'm sure other grads know this one my student loan repayments are mad £120/month:o thats alot!

The only big bill I got is house insurance, not sure what that is yet probally £200 my car insurance is montly, its actually not that much, then my car is 14 years old, it really should have a new cam belt next year that over £120 easily. Dam the list just goes on......

[timwilky]

Glad I don't own a car.

Damm I forgot I pay the insurance on the daughters, maintain son & daughters van and car.

Guess who drove into a gatepost yesterday. Daughter, time to get the spray gun out.

[Pedro68]

Well I just had to tax and MOT the bike and car, and insure the bike.
So this year, I've just gone for 6 months tax on them so that I can spread out the costs of these things, and so that road tax AND insurance (and MOT's) don't all come at once. In 6 months time, I'll get a year's tax on them ... so at least all I have to worry about is the tax in 6 months ... then 6 months after that, it'll just be MOT's and bike insurance.

Although my car insurance is due for renewal at the end of January.

[Bluepete]

Guess who drove into a gatepost yesterday. Daughter, time to get the gun out.

Bury her deep, tell no-one, deny everything.

[timwilky]

Shhhhh to much use of the g word will get the Echelon system revving up


Then again I do have a former friend locked up for being silly enough to try to hire an undercover cop to knock off his wife. I at least will not be asking you to do my dirty work

[gettin2dizzy]

tim - you seem to have a hard time with your kids! Do they go out of their way to cause you trouble?!

[Ceri JC]

My car and bike insurance/tax/mot/house insurance/tv licencing used to fall at the same time, but I've shifted these apart and moved the bike tax by renewing for only 6 months.

[timwilky]

tim - you seem to have a hard time with your kids! Do they go out of their way to cause you trouble?!

Oh yes, the daughter is a worse nag than her mum.


Still my car is 14 months old. The wiper motor failed yesterday. So in garage for a new one fitting this morning. Waiting for the phone call to pick it up. Thank god I ain't paying. Cost me 2.70 for a sodding bus home after dropping it off. Probably the same to go back to pick it up. Nearly as tight as a tyke us Lancastrians

[wyrdness]

Not only is Christmas looming, over the next 8 weeks I have lots of money going out on stuff I wish I didn't have to spend ...

I have Van Tax, Van MOT, Car Tax, Car insurance, Bike Tax, bike insurance and MOT (that might be Feb actually) ...

So that is about a grand on legalities!! :smt089

Legalities suck!! :thumbdown:

Anyone else have a whole host of annual bills come at once like this???

I pay pretty much ever other bill DD, but always paid insurances and tax etc up front as it is cheaper ...

Why not tax for 6 months this time, then tax annually after that? Then you won't have to worry about the taxes in December again.

[Jester666]

Haha no insurance is 6 points and £200....I think the fine is a joke really.

That's a minimum! I got 6 points and £400 in 1995. Deservedly I might add!

[Blue_SV650S]

I don’t understand this ‘shifting expenses about’ lark … I get a salary … that means I have a finite amount of money to spend each year. I have known expenses, that come up at certain times, so you budget such …

Basically why does it make any difference if they all come in at the end of the year, or 1/12 every month???

[Dave The Rave]

Tell me more about spending money! We are expecting first baby in Jan. I have just renewed car insurance and the bike one as well. Also we are moving house (should be in the new one on the 5.12.) and I cannot believe how much stamp duty, solicitors, removals etc cost! Rip off! RIP OFF. Never mind X-mas presents, mine and wifes birthday etc. There will be no savings left at the end of Jan!

[Blue_SV650S]

Tell me more about spending money! We are expecting first baby in Jan. I have just renewed car insurance and the bike one as well. Also we are moving house (should be in the new one on the 5.12.) and I cannot believe how much stamp duty, solicitors, removals etc cost! Rip off! RIP OFF. Never mind X-mas presents, mine and wifes birthday etc. There will be no savings left at the end of Jan!

You wait till you have to start decorating the new place ;)

... sounds like you need a nursery and baby stuff too ... :shaking:

time to sell the bike perhaps?!?!? :pale:

[timwilky]

Well I am now officially skint

Todays expenditure was

Oven/Hob/FidgeFreezer = £1250

Kitchen carcasses/doors/worktops/splashback £3116



To still buy, sink/taps/lights/paint/floor tiles

Got to fund Chineese meal out for 5 tonight, Pennine **** up tomorrow.

Plastic maxed out

[Blue_SV650S]

...Plastic maxed out

Do you have the means to pay this off at billing time???

If not why did you spend so much? How long will it take to clear and how much interest will you pay for the luxury of a kitchen you couldn't afford* at the time of purchase? :confused:

*again presumably

[timwilky]

Yes the money is in the building society allocated for this. It is simply when buying goods/services in advance I want the protection given by a card over cash. I am in fact going to the building society this morning to arrange transfer of cash to my credit account to enable me to pay the bill as and when it arrives

[Blue_SV650S]

Yes the money is in the building society allocated for this. It is simply when buying goods/services in advance I want the protection given by a card over cash. I am in fact going to the building society this morning to arrange transfer of cash to my credit account to enable me to pay the bill as and when it arrives

8)

[Well Oiled]

3 kids with birthdays in November, December and January. Christmas presents, car insurance and tax at this time of year.

Christmas? Bah Humbug

[DoubleD]

2 car services, 3 lots of MOT and 3 lots of tax. In six months time I have 3 lots of insurance. Kind of balances out.