Expensive time of year ...

[timwilky]

Originally Posted by gettin2dizzy

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

Originally Posted by 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!!

Legalities suck!!

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.

Originally Posted by bluethunder

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!

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???

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!

Originally Posted by 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!

You wait till you have to start decorating the new place

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

time to sell the bike perhaps?!?!?

[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

Originally Posted by timwilky

...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?

*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

Originally Posted by 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