Clean It Up
UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: [GQC] Tim on January 05, 2010, 11:03:16 pm
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I just can't believe this, I just have my tax account left with money in it, only got a few hundred in the main account and end of the month the tax bill is coming, and my van insurance. And having had to spend £200 on a new membrane, and £246 on van repairs.
I've had it if I can't work soon. Haven't been able to work for a while, being away over the holidays and waiting for my new membrane to arrive.
And it's 2" of snow here so far and its piling up. What the heck do I do. :'( :'(
Go out tomorrow and try and work?
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You could contact all your custys and explain that the weather is causing such a problem that you are only able to offer internal window cleaning.
Might get some take you up on it.
Failing that, you could go out and see how you get on, just take your time.
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try and just clean the bottoms like me ;D
Just waiting until the roads look more safer
Good luck anyway tim
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learn from your lack of an emergency fund!!i did!a few years ago!i thought all u wfpolers were all making loads of money in the spring/summer/autumn??
its clearly a myth for some of u WFP guys!! ::) ::) ;) :) ;D
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set up a direct debit for ur tax bill so ur not scratching around for it in jan.set up emergency fund (realistically £60 a week if ur wfp at the least).
regards
dazmond
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Tim, you can phone the Tax Man, they're nice people (ish), and explain to them your problem. They will let you pay your tax bill in instalments.
And as soon as you pay off the instalments, set up a monthly standing order to the tax man and just treat it like another monthly bill.
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Tim, you can phone the Tax Man, they're nice people (ish), and explain to them your problem. They will let you pay your tax bill in instalments.
And as soon as you pay off the instalments, set up a monthly standing order to the tax man and just treat it like another monthly bill.
this is by far some of the best info Ive read on this forum well done tosh
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learn from your lack of an emergency fund!!i did!a few years ago!i thought all u wfpolers were all making loads of money in the spring/summer/autumn??
its clearly a myth for some of u WFP guys!! ::) ::) ;) :) ;D
Dont include me there daz. I only just got my wfp and not bloody used it yet. Cant wait get going. When are you getting yours?
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learn from your lack of an emergency fund!!i did!a few years ago!i thought all u wfpolers were all making loads of money in the spring/summer/autumn??
its clearly a myth for some of u WFP guys!! ::) ::) ;) :) ;D
well said daz.
you need to learn to manage you business probaly,to cover all cost.
we here people on here making comment that they earn £30+ a hour,then moan when they get the first problems.ie weather, :)
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Look this guy has been honest and come on here to describe his situation hoping for some gems of wisdom...so be kind and try and help where you can.
Tim and anyone else in this situation have a look at your bills and contact those companies prior to the due date if possible and see if you can work out a payment scheme for say your next couple of payments...it may buy you the time you need and if you have to be late paying bills this should should not affect your credit ratings...now I am no expert on this but surely the company expecting their money from you will 'feel' better knowing that you are making the effort to try and arrange payments.
Welcome back Tim ..did you get to skate while back home?
Cheers
Dave.
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Look this guy has been honest and come on here to describe his situation hoping for some gems of wisdom...so be kind and try and help where you can.
Tim and anyone else in this situation have a look at your bills and contact those companies prior to the due date if possible and see if you can work out a payment scheme for say your next couple of payments...it may buy you the time you need and if you have to be late paying bills this should should not affect your credit ratings...now I am no expert on this but surely the company expecting their money from you will 'feel' better knowing that you are making the effort to try and arrange payments.
Welcome back Tim ..did you get to skate while back home?
Cheers
Dave.
I was in a similaur situation as Tim once and i contacted a company that I pay £600 a month too, explained the situation and they allowed me to miss a payment but upped my monthly by £60 for the following 10 months, this helped massess
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600 quid a month?....that must have been to ionics for their gold plated brush. 8)
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I just can't believe this, I just have my tax account left with money in it, only got a few hundred in the main account and end of the month the tax bill is coming, and my van insurance. And having had to spend £200 on a new membrane, and £246 on van repairs.
I've had it if I can't work soon. Haven't been able to work for a while, being away over the holidays and waiting for my new membrane to arrive.
And it's 2" of snow here so far and its piling up. What the heck do I do. :'( :'(
Go out tomorrow and try and work?
change of job ;D
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learn from your lack of an emergency fund!!i did!a few years ago!i thought all u wfpolers were all making loads of money in the spring/summer/autumn??
its clearly a myth for some of u WFP guys!! ::) ::) ;) :) ;D
what a helpful comment....clearly we cant all be peter perfect
such as yourself ::)
i would follow tosh advice,things have got tight for myself
have phoned financial companies and have waylaid payments
for later date.
keep chin up mate i can totally understand the frustration
but only work when you consider it safe and remember
spring is only round the corner :)
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Tim, you can phone the Tax Man, they're nice people (ish), and explain to them your problem. They will let you pay your tax bill in instalments.
And as soon as you pay off the instalments, set up a monthly standing order to the tax man and just treat it like another monthly bill.
:)
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It's probably no consolation [GQC] Tim, but the top 11 threads are about snow stopping us all working.
So far for most of the Country this is the worst winter for 30 years.
Bad times require taking drastic measures.
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Tim, you can phone the Tax Man, they're nice people (ish), and explain to them your problem. They will let you pay your tax bill in instalments.
And as soon as you pay off the instalments, set up a monthly standing order to the tax man and just treat it like another monthly bill.
this is by far some of the best info Ive read on this forum well done tosh
Unfortunately not entirely correct though...
I tried to get installments a couple of years ago and they wouldn't let me.
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i got instalments this time last year; they have been told to be leanient
with the boom and bust. ;)
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You can ask to reduce your payments for this year anytime up until 31st Jan, i know because i have just done it.
I worked out how much i had lost due to the weather and then worked out the tax on that amount and have asked to reduce my bill by that amount.
This was calculated to be £600 which is then split into 2 amounts of £300 ( one for jan payment the other for june payment )
The down side would be if you have a bumper year and exceed your projected earnings, in which case you will be asked to payback the difference back plus a bit of interest.
But at least it might you out of a tight spot right now.
Those that post unhelpful comments should be ashamed of themselves, i'm sure we've all been between a rock and hard place at some point in our lives.
Dennis
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Tim, you can phone the Tax Man, they're nice people (ish), and explain to them your problem. They will let you pay your tax bill in instalments.
And as soon as you pay off the instalments, set up a monthly standing order to the tax man and just treat it like another monthly bill.
this is by far some of the best info Ive read on this forum well done tosh
Unfortunately not entirely correct though...
I tried to get installments a couple of years ago and they wouldn't let me.
There's more to this story, because when I phoned them, they were okay. I think they wanted me to do an income and expenditure over the phone and we worked out a monthly payment. The guy I spoke to was okay, he wasn't 'high-handed', and I paid the payments required.
I mean if they wouldn't let you pay by instalments, what was the reason? If you haven't got the money and you can't magic it up, the tax man will take you to court and bankrupt you.
Squeaks, I smell more...
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im only being matter of fact.i do know what its like to be broke.i even lived in my car for 2 weeks once in my 20s.ive been thousands of pounds in debt,3 months behind on rent,throw in a serious drink and drug problem,CCJS,ETC.
im clean and sober for over 3 years now and im debt free.not without hard work,discipline and learning a few harsh lessons!my dad kicked me out when i was 18 and i wasnt born with a silver spoon in my mouth(not even a plastic one!).so to all u who think im a perfect smug numpty im not!!just learn from mistakes! ;D ;D
regards
dazmond
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It's probably no consolation [GQC] Tim, but the top 11 threads are about snow stopping us all working.
So far for most of the Country this is the worst winter for 30 years.
Bad times require taking drastic measures.
1986/87 was worse. Hopefully this won't develop into something like that.
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im only being matter of fact.i do know what its like to be broke.i even lived in my car for 2 weeks once in my 20s.ive been thousands of pounds in debt,3 months behind on rent,throw in a serious drink and drug problem,CCJS,ETC.
im clean and sober for over 3 years now and im debt free.not without hard work,discipline and learning a few harsh lessons!my dad kicked me out when i was 18 and i wasnt born with a silver spoon in my mouth(not even a plastic one!).so to all u who think im a perfect smug numpty im not!!just learn from mistakes! ;D ;D
regards
dazmond
You had a car? You couldn't have been that bad then.
It's OK. Just joking. I've been to the bottom too. I kipped in my mate's dad's garage for a while (without his dad's knowledge). ;D
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Tim, you can phone the Tax Man, they're nice people (ish), and explain to them your problem. They will let you pay your tax bill in instalments.
And as soon as you pay off the instalments, set up a monthly standing order to the tax man and just treat it like another monthly bill.
this is by far some of the best info Ive read on this forum well done tosh
Unfortunately not entirely correct though...
I tried to get installments a couple of years ago and they wouldn't let me.
And I'd bet it was because you wernt entirely up to day with your payments.
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so to all u who think im a perfect smug numpty im not!!just learn from mistakes! ;D ;D
regards
dazmond
Beware the pride which comes from growth. ;D ;D ;D
(Only joking too)
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so to all u who think im a perfect smug numpty im not!
Yes but deep down inside, the opposite of that low self-worth that comes with the nature of the beast is an arrogance coupled with your ego which makes you think you are ;)
I do, so does Tosh, but he'll deny it ;D
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Tim,
this doesn`t help directly but it must be some consolation that weather like this occurs every 20/30 years.
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Tim,
this doesn`t help directly but it must be some consolation that weather like this occurs every 20/30 years.
Hasn't occured for 20/30 years, doesn't mean it won't happen year after year from now on, it used to when I were a lad ;D
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so to all u who think im a perfect smug numpty im not!
Yes but deep down inside, the opposite of that low self-worth that comes with the nature of the beast is an arrogance coupled with your ego which makes you think you are ;)
I do, so does Tosh, but he'll deny it ;D
Yup! I deny it. I'm currently working on getting rid of my ego, and doing a darned fine job of it too; by March I should be fully Enlightened.
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i phoned up tax office yesterday and explained about no income due to weather,they were very helpful and understanding,it was agreed that i could pay £500 less in january as long as i pay it by march
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Tim,
this doesn`t help directly but it must be some consolation that weather like this occurs every 20/30 years.
Hasn't occured for 20/30 years, doesn't mean it won't happen year after year from now on, it used to when I were a lad ;D
It won`t. You might have had more of it when you were a lad but every year? Your memory is playing tricks on you or you lived in Norway ;D
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I've had a look at things, and if I can properly work next week, and work everyday from crack of dawn till end of the month I should be able to make it. I really hope the weather is going to clear up next week.
Thank you so much for your help guys. I think I will have to call up the tax man, I'm just glad I've been able to pay my rent for this month and such. That's good.
I'll try and stay positive. Atleast I got three calls for quotes right after christmas, 2 are new customers now.
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Yup! I deny it.
That sounded remarkably like your ego talking
I'm currently working on getting rid of my ego, and doing a darned fine job of it too
And so did that ;D
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AA MEETING i open every week off as well tonight! ::)usually keeps my ego/arrogance in check and makes me remember where ive come from!! ;D ;D
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Tim, you can phone the Tax Man, they're nice people (ish), and explain to them your problem. They will let you pay your tax bill in instalments.
And as soon as you pay off the instalments, set up a monthly standing order to the tax man and just treat it like another monthly bill.
this is by far some of the best info Ive read on this forum well done tosh
Unfortunately not entirely correct though...
I tried to get installments a couple of years ago and they wouldn't let me.
There's more to this story, because when I phoned them, they were okay. I think they wanted me to do an income and expenditure over the phone and we worked out a monthly payment. The guy I spoke to was okay, he wasn't 'high-handed', and I paid the payments required.
I mean if they wouldn't let you pay by instalments, what was the reason? If you haven't got the money and you can't magic it up, the tax man will take you to court and bankrupt you.
Squeaks, I smell more...
Well he'll have to bankrupt me then. I'll break his legs afterwards though...
I haven't got a pot to p*ss in mate. Job to afford food or fuel.
It's not in the slightest bit funny, as I'm on my own too, so no-one to help me out of it. >:(
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Why dont you just phone them up.
Explain your situation. Be reasonable. Dont get angry.
They're not Martians. Ive been in sthum street before with tax and council tax. They are reassuringly pleasant to deal with if YOU have the right attitude.
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You can ask to reduce your payments for this year anytime up until 31st Jan, i know because i have just done it.
I worked out how much i had lost due to the weather and then worked out the tax on that amount and have asked to reduce my bill by that amount.
This was calculated to be £600 which is then split into 2 amounts of £300 ( one for jan payment the other for june payment )
The down side would be if you have a bumper year and exceed your projected earnings, in which case you will be asked to payback the difference back plus a bit of interest.
But at least it might you out of a tight spot right now.
Those that post unhelpful comments should be ashamed of themselves, i'm sure we've all been between a rock and hard place at some point in our lives.
Dennis
here dennis you only have to pay twice in the one year if your tax bill is more thank 1k any less than that and its just once a year :)
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@ Pingu, I was there during Christmas/Newyear and there wasn't much ice anymore, last day I was there it started snowing, had to go back.
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600 quid a month?....that must have been to ionics for their gold plated brush. 8)
no, its just a ironics standard system
the gold plated stuff start at 1K a month