What are you all up to
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you see, it isn't just house owners that get into debt, everybody gets into debt, so if we all lived your lifestyle we would still have bills to pay,
Don't think the club would be happy if all us recreational users became residents on site.
But why do you assume that just because we own a house we are in debt,
Hope the wife is not packing things away on her own while you are on here
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Even better off MM because of those of us that are paying our way to pay for you to live carefree and when your unable to caravan we will have picked up the tab for your care
Have fun today moving your house. Mines been on the same pitch since 1905.
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Yes and an excellent choice too, taffyY! It freed up enough money to change my whole way of life for the better!
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She'll be calling on me to help when it gets to taking the awning down!
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At the moment she's busy doing the inside of the caravan!
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lol
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Yes but a fair and reasonable contribution because everyone staying on site pays the same price!
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Your overdraft was, I believe, paid off by borrowing more on your credit card?
Any HMRC refund will not be that substantial either so I don't see that saving you much and you will still owe Tesco money for the loan from your credit card as well.
Hardly debt free, me thinks.
Then, of course there will be the EV to pay for, sooner you than me, which is actually correct, as it is your way of living!
Now, go and help your wife pack up!
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Same in South London, good day to have our new boiler fitted. £2100. But don't tell MM
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The only tax that really winds me up is the BBC
But it's worth every penny
David
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The council tax is indeed a very blunt instrument! Up here, SNP promised a review of it, leaning towards a local income tax, which I think would be fair.
Regular taxes are based on the ability to pay, so why not local taxes?
I suppose traditionally rates have been set on property value rather than the individuals actually living in them. One possible problem with an income tax solution is the possibility of those with the highest priced properties may well be in a position to avoid some of the tax due as they do with income on their earnings or company dividends. If that were the case a larger burden would fall on those least able to afford in order to make up the value as it current does with income tax.
David
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Yesterday we welcomed some new stock onto the farm. We used to lamb 250 sheep, but sold them about 15 years ago before we went Organic.
Our grandson is very interested in the farm and helps with milking after school (to help pay the keep for the two heifers he bought off us nearly two years ago). To give him another skill apart from dairying, his dad bought him 6 Herdwicks for his 14th Birthday last week.
They were off James Rebanks - click HERE to read about his book "The Shepherd's Life", and came down from snowy Matterdale to cold but green fields here.
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Yes because the credit card account is interest free thereby saving me £36 per month in overdraft interest charges.
HMRC owe me £1200 because of overpaid tax for the last two years, enough money to pay off my business account overdraft entirely. With the interest charge bearing accounts paid off, the interest free credit card balances can be reduced much more quickly!
The EV will save me £50 a week in petrol costs, money that can be used to reduce credit card balances and the seasonal pitches for the next 12 months from next month onwards will mean no more site fees to pay as these are already paid upfront for a whole year!
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By the way, just as I finished typing that last post, my wife asked me to help with the awning. So I've done it! The awning is down now and we'll soon be ready to hitch up. Then I'll be busy driving so I'm afraid I'm going to be quiet on here for a while!
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Safe journey and I hope the weather holds for you to get set up again
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Thank you, Milothedog! We've had perfect weather so far today for getting the awning down and packing things away.
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Don't forget, Yertiz that I have to work 5 hours at Pizza Hut to earn enough money to pay that one month overdraft interest charge, so I'm sure the bank won't mind not earning that money from me next month, as they've had their ounce of blood already!
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It would be interesting to see just exactly how it would work. Dividends are still income, so for purposes of local taxes could be taxed in the same way as any other income.
I think many other European countrIes operate their local taxes as an income tax and it seems to work for them.
After all, the money raised by CT is only a small part of what councils spend overall, the rest already coming from centrally raised taxes.
Even a revaluation of properties to reflect current values, and having far more different bands would be an improvement on the present situation!
Our daughter was relating the other day that many of her colleagues were discussing how the taxation system in Scotland discourages job mobility and that there is less incentive for people to try to better themselves.
The higher rate income tax band now starts sooner here, and the basic income tax rate will soon be higher. Buy a bigger house and you will be hit with disproportionately higher CT, and to buy that house you will first have to pay a higher rate of stamp duty than in England. Relocating to take up a new job then becomes very expensive.
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😉😉
