Unhelpful Timings
Posted: Tue 7 November, 2023 Filed under: Domestic, Finances, Insurance, KwikFit, Thoughts 2 Comments »The one downside of the whole “need a new car” thing is that I’d only recently sorted out all the MOT, Servicing, Tax, and Insurance Renewal for the current car. Which is, to say the least, a bit annoying.
Thankfully, the MoT hadn’t needed too much work – simply realigning windscreen wipers and headlamps, no major stuff at all – but still it’s annoying to have done all the stuff for ensuring it’s mechanically OK, only to then have something unchecked go ker-fut. (OK, *start* to go ker-fut!)
The insurance renewal is a bit more of a pain. I could make alterations, but I suspect that the massive difference in vehicle values might make it ridiculous. So I might have to cancel the newly-renewed policy – I know what that will cost, and it’s doable. And before I make a decision, I’ll find out what the costs will be, so I can properly evaluate the pros and cons.
Again, things could be far, far worse. It’s just annoying.
Changes, Privilege, and Good Fortune
Posted: Fri 3 November, 2023 Filed under: Bankruptcy, Domestic, Finances, Getting Organised, Rebuilding, Thoughts Leave a comment »Every so often, in situations like this week’s need to organise a change of cars, I sit back and realise just how lucky I am.
Ten years ago I was just out of my official bankruptcy period, with another five years to come with it still on my credit record. I was doing OK, but something like this week would still have made life interesting. (As it was, I did have to go through a car change while in that bankruptcy period, but thankfully got through it OK because the administration people were excellent)
It’s taken a long time, but everything since then has been in a positive direction, and I’m happy with it all. It leaves me somewhat gobsmacked that now I can again pay for a car on a credit card (and once everything’s gone through, I’ll move it all to an interest-free balance-transfer card) with no real hassle.
Hopefully the new car will also not need anything major for a while (fingers epically crossed!) which will also help a lot.
Obviously, it’s more debt than I’d ideally like to be in – but it’s feasible/affordable, and I can sort the rest. It might even give me some impetus for getting some other things off the ground and get some extra income that way. We’ll see.
Regardless though, it’s good to have these occasional reminders that I’m fortunate enough to be in a good place, and simply appreciate that simple fact.
Driving Change
Posted: Wed 1 November, 2023 Filed under: Domestic, Driving, Finances 2 Comments »Yesterday, while travelling to and from my on-site visit, the car started making Noises Of Imminent Doom. Nothing super-evident immediately, but a vibration I could feel through the pedals, and power that was starting to “blip” – not quite to the level of stalling, but… it felt like that was on the way.
So I got home fine, and had spent the time figuring out What’s Next.
Bearing in mind that it’s on just over 220,000, I reckon the turbo is on its way out. I got this one in September 2018, and that was at a mileage of 115,000, so yeah, it’s about on-schedule.And while it was worth doing on a car with that mileage, I don’t think the same is true when we’re heading towards double that.
So today I spent time sorting stuff out – and as a result, I’ve got a new (to me) car arriving on Monday. Unexpectedly, it’s another Kia, but this time it’s an Optima, in Silver. Not my favourite colour to drive (it disappears in rain/mist etc.) but again, meh, it’ll do.
It’s an automatic (which is what I’d intended to get) and fully ULEZ compliant – my current one isn’t – and that’s much more relevant with the recent expansion of the London ULEZ, as well the growing prevalence of them in other places I visit. Most importantly, despite being a 2016 plate, it’s got less than 30,000 on the clock – and while I paid more for it than I’d hoped/expected to, it still came in under budget at £10K. Hopefully it’ll last a good while – although I suspect it’ll initially be a shock for a car used to four or five thousand miles a year to suddenly be doing my kind of miles and journeys.
As it is, it comes with a seven-day returns period if it’s horrible, a three month warranty from the garage (including RAC cover) which is about standard. I’ve also paid for it on a credit card, so Section 75 can cover things if it turns out to be a problem past that.
And once I’ve got it, the old car is going off to “We Buy Any Car” – I don’t expect much for it, but it’s better than paying out for scrappage or whatever!
So everything’s in place, and now I just need to hope it all works out. Time will tell, obviously.
An Expensive Time
Posted: Tue 19 September, 2023 Filed under: Customer Services, Domestic, Driving, Finances, KwikFit Leave a comment »This September-October period is always an expensive one for me.
The main thing is the car – because I got it in October , it means that this six weeks or so includes MoT (and any associated fixes), Service, Tax, and Insurance Renewal. This time it also included a visit to the local dealership to get the handbrake cables replaced (because KwikFit decided they couldn’t/wouldn’t do it, and some other load of old cock that they told me) as it wouldn’t have passed the MoT with them un-fixed.
The handbrake thing is one that’s been going on as long as I’ve had the car – every other MoT gets a warning about “handbrake too high” or “little reserve play/motion”, whoever’s fixing it does something, and it’s OK again – but it got a better-ish fix at KwikFit last year, and then got worse again recently. So far the newly-replaced cables seem to have sorted everything though.
Anyway, the MoT was yesterday, and it passed fine. It failed initially (but only for misaligned windscreen washer and misaligned headlights) but was then fine. Not bad for a car with 220,000 on the clock!
The insurance renewal was mentioned elsewhere, as it was farcical, but is now fine – and I’ve managed to keep it at the same level as what I was paying for the last year, so happy day.
Alongside that (because God Knows, I’m shit at planning) it’s also been time to sort out my tenancy renewal on the new place – which has involved a small-ish raise in rent, although not as much as initially suggested. And then I also ended up organising for a company to come and deal with the front garden and so on, because it’s a bombsite and needs dealing with (and I am emphatically not a gardener!)
So yeah, it’s all been a bit costly. Utterly doable though (which is lovely, and still a good thing compared to ten years ago) and at least I know it’s now all organised, so the rest of the year isn’t too bad at all. Thankfully!
Insurance Renewal Fuckery
Posted: Thu 14 September, 2023 Filed under: 1BEM, Advertising, Domestic, Driving, Finances, Legal Leave a comment »This being the time I bought the current car, it’s also time for that annual festival of fuckery – Insurance Renewal.
I knew that this year was likely to be a pain in the arse – there’s been plenty of coverage about how insurance premiums have gone up massively as part of “the cost of living” (which in the case of insurance etc. seems to me to be just rabid profiteering – I don’t see how inflation and food costs have a knock-on effect to the car insurance industry!) so I was expecting it to be stupid. I just wasn’t expecting quite how stupid.
So – I got my renewal letter through from my current insurers, and they’d managed to double my insurance. For no changes – the address change happened before last renewal and the car hasn’t changed (other than in losing value for having been driven another 25,000 miles) But no, somehow they feel they can justify doubling the price.
Well, frankly they can fuck off.
So off I went to that site with the meerkats (because it annoys me less than the one with the opera ‘singer’, or the one with the weirdly confusing existential ads that make no sense) and looked at what was available.
As it turns out, I got a deal with a different insurer for all the things I wanted, and paying the same as I have been this year. Which I reckon is a total win, all told. So far it’s been painless – I’ve cancelled the renewal on the current one (while laughing on the phone at them, because doubling the quote is just fucking ridiculous) and the new one is in place to start in early October.
But it does make me wonder about what the business model is for so many of these insurance places. I have to assume that there’s a huge number of people who just blindly accept the renewal cost without looking elsewhere (and if that’s the case then they bloody well deserve to be ripped off, in my opinion) but that’s pretty mind-boggling, given the prevalence of these comparison sites and so on now.
Finance Trials – Follow Up
Posted: Tue 22 August, 2023 Filed under: Customer Services, Cynicism, Domestic, Finances 3 Comments »Following on from my complaint to the Financial Ombudsman about [Company A]’s fuckery, I got a response this morning from them.
Well, I say a response. More of an acknowledgement. With this in it…
We try to resolve complaints as quickly as we can. But there’s currently a very high demand for our service – so it might take around four months before a case handler gets in touch with you and starts looking into your complaint.
(That’s their emphasis on the timescale, not mine)
So on current evidence I’ll be lucky to hear anything at all before 2024…
Finance Trials
Posted: Fri 11 August, 2023 Filed under: Bankruptcy, Customer Services, Domestic, Finances, Getting Organised, Rebuilding, Thoughts 3 Comments »Over the last few months I’ve been intermittently fighting with two different finance companies about their shitty ways of handling things. I’m not going to name names (yet) so it’ll be “Company A” and “Company B”
Company A
The shorter of the disputes started back in June when I logged in to the app for their credit card, and discovered that my credit limit had dropped from around £6,000 to £1,000. With no notice or warning. Which is, it’s fair to say, a bit of a concern…
I rang them (I know, old school!) to find out what was going on, and was told “Oh, well you weren’t using your full credit limit, so we dropped it”. Which is, to be honest, well within their rights – I wasn’t using it, and *shrug*. But it’s still not right to do so without any notice or warning – if they’re increasing the limit they give you 30 days notice and allow you to decline the change, so why not do the same for a decrease?
I got the change rescinded, but made a complaint about how it had been done. There could’ve been any number of reason why I might’ve been relying on that card/limit that Company A were unaware of (if I’d been getting the car significantly repaired, as one example) and where a sudden drop would’ve landed me in the shit. (Fortunately that wasn’t the case – but they didn’t know that)
Alongside that, a drop in credit limit would almost certainly have a negative effect with the credit-scoring people – at a bare minimum it would have raised the Credit Utilisation percentage (the amount of your available credit that you’re actually using) But it also makes other lenders twitchy – that whole perception of “why would Company A drop the limit if they didn’t think there was a problem?” and so on, and would’ve lessened my credit score as a result.
I got the response from them last week that my complaint wasn’t being upheld “because we can’t find any errors in how we administered your account”. Which again is (kinda sorta) true/fair. Errors weren’t made in the decisions (although who ever heard of a credit card company decreasing a limit?!?) But errors were definitely made in how that decision was then actioned, which was the actual reason for the complaint.
So today that’s gone off to the Financial Ombudsman for them to have a look at.
Company B
Company B’s problem has been *far* more long-winded. Back in December I had fraudulent transactions made on the card, which got spotted and reported. No idea where that leak came from, as it wasn’t a card I used often, but there we go. Stuff happens.
When I next used the app, as a result of the fraud, I had a flag put on for “heightened security”. Just to check it was me, verify transactions etc. And then they sent me a new card (as expected)
Only somewhere in that process, things went tits-up. I went through the “heightened security” checks, validated myself, had to call them (I know, old school again!) and that should’ve been that. But instead, the app locked up, and stayed that way – every time I went through the process for registering the new card in the app, it froze on insisting I needed to give those checks again. I did that four times, with Company B saying each time that they couldn’t understand why it was still wanting those checks, I’d definitely already done them.
I *suspect* that what happened was a clash – the “heightened security” was on the old card, which then got cancelled, but somewhere in the depths of their system, it wasn’t cleared in my account. So when I registered new card, it was still checking back and seeing that flag from old card.
Anyway, complaints (yes, plural) were made – firstly because of how badly it was handled (they agreed, and I got their default compensation payment) and then because the problem was *still* ongoing three months later, I couldn’t log in to the app. That ended up going through their app support team, who might as well have been a black hole for all I heard from them. And so I gave up for a while, and left it. I wasn’t using the card, didn’t have any payments to make, so *shrug* what the hell. Their problem, not mine.
Last week I reinstalled the app again, just to see. It’d been six months, after all…
And lo, it finally worked. No-one from Company B had been in touch, despite those outstanding complaints and support issues, but at least it was working.
I got back in touch with Complaints because not being told was a bit shit, and they agreed. (In an hour-long phone call) It hadn’t been handled well, the support team were rotten, blah blah.
So I’ve had another default compensation payment out of them, and it’s now all done and dusted.
Conclusion
All told, life could be worse. I’m stupidly lucky to be in the position I’m in now, where neither of those issues has actually caused me any more inconvenience than yelling “Oh for fuck’s sake” on a regular basis.
But both of these companies are supposedly specialists in dealing with people with credit issues – as I was when I got them – yet haven’t seemed to have any real insight on how these issues could/would affect someone who truly was still having those issues, or anyone for whom life was a bit tight at present. (and god, who *isn’t* in that situation to some degree or other – even if it’s “just” being aware of how much prices have risen and so on?)
As such, I’ll be the person to use that fortune/luck and privilege to be able to have the time and energy to raise these complaints and hopefully make things better as a whole.
But really, neither of these things should ever have been as much of a problem as they turned out to be. And that’s what makes it all so frustrating.
Subscriptions and Stupidity
Posted: Mon 26 June, 2023 Filed under: 1BEM, Advertising, Cynicism, Domestic, Finances, I Don't Understand, People, Stupidity 3 Comments »Interesting to see that subscription things are now the latest target in the Government’s “How can we protect stupid people from being stupid?” process.
Now OK, some of the tactics used by subscription-model companies can be a pain – particularly the “sign up for a free trial and we’ll charge you after that” thing – but also (as that summary hints) they bloody well tell you what they’re going to do! I assume that people just get as far as “sign up for a free trial” and then stop reading/comprehending, but it really isn’t rocket science.
If you’re wanting to try it, then sign up for the free trial. But at the same time put a reminder in your phone for 25-ish days away that says “Cancel [x]”. Then when the phone says “Cancel [x]”, do so. Voila, no charge.
Yes, the model absolutely relies on people being stupid and not bothering to cancel the subscription. Similarly, most gym memberships expect/hope that the majority of people will sign up for the year and only use the place for two or three months. (although that one is a contract, so they can’t easily get out of it) But a subscription model paid month-to-month is an easy one to cancel – assuming even a vague level of competence, of course. The first time the payment comes out, if you don’t want it, it’s easy to go “Oh, fuck it. Forgot that – let’s cancel that now so I don’t have to pay again next month!” and just log in and get it cancelled.
Now OK, I accept that I’m probably not “normal” on this, but I keep a close eye on my money – I know when payments come out, I know what I’m expecting to pay, and I check my bank account every couple of days, minimum. I know where I stand on all of it on any given day. So it absolutely gobsmacks me to see things like this (from the story linked above) :
John, for example, told the BBC he had signed up to Amazon Prime video for a 30-day free period and forgot to cancel it when he had to start paying for it.
“I’m just gutted I spent £6.99 a month for 18 months for no reason”.
Now, I’d like to see Amazon’s side of that story, and see whether “John” actually watched Amazon video in that time, and/or whether he got Amazon deliveries in that time. It’s worth noting that Amazon is actually an oddity in this case, in that you pay for Prime delivery and get the video stuff as well – so if he’s paid for Prime to get things delivered next-day and made use of that then it’s not been a waste of money in the first place!
As for cancelling, John comes up with this gem…
“It was such a stressful ordeal and left me with a lot of anxiety. It ridiculous, these companies only care about the money not the person”.
I mean…. A) Welcome to Capitalism. And B) it’s a simple process. Yes, they’ll say “Are you sure? Here’s what you’ll lose out on” and so on, because they do want to keep your custom/money. Of course they do. But it’s not a challenging thing to just say “Yep, cancel it”. Certainly most (if not all) of the online companies make it easy – a couple of clicks and it’s done. Even the dating sites don’t make a big thing of the people leaving – they know they’ll have plenty of other people signing up or staying on.
All told, if someone says they’re short of money (“Cost of living crisis” etc. etc.) and yet still ‘not knowing’ that they’re paying out for subscriptions, then they’re not actually that short of money. (Or are congenitally and irredeemably stupid)
On the other hand, I can absolutely see that it would be good/ethical for a subscription service to send a check-up message if the person using it hasn’t accessed that service at all in (for example) six months, and have them opt back in (or at least say “Yes, I want to keep going with this”) at that point. And if they don’t respond, then their account gets deactivated. Among other things, that would be useful in scenarios where the person has died or become incapacitated, and reduces the whole nightmare of trying to unsubscribe someone from something where you don’t even know their username/password.
Credit Check
Posted: Fri 10 March, 2023 Filed under: Bankruptcy, Customer Services, Domestic, Finances, Rebuilding Leave a comment »Since the bankruptcy, I’ve used a couple of free services – Credit Karma (which used to be Noddle) and ClearScore – to keep track of my credit score. It’s always been interesting, seeing what things affect the score and what doesn’t. (For example, moving dropped it by a good 150 points until I was verified on the new electoral roll and so on)
Part of those services is the alerting, that tells you when your record has been searched (either a soft-search or a hard-search, which have different effects on the record) which is also useful in helping to prevent scams – you’ll be told if someone has tried to create a new loan or bank account for you, for example. Obviously this is A Good Thing.
This week I got an alert from Credit Karma about a soft search of my record, which was a warning sign as I hadn’t done any credit searches or applications.
So I logged in to Credit Karma, checked the alerts and yes, there was a search there.
By Credit Karma.
So for some convoluted reason, they’d decided to alert me about the fact that they had themselves been doing a (fully expected) soft search.
Sometimes I just despair of these things…
Christmas Debts
Posted: Tue 17 January, 2023 Filed under: Bankruptcy, Cynicism, Domestic, Festering Season, Finances, I Don't Understand, People, Rebuilding Leave a comment »This week, the BBC has had a couple of pieces about Christmas Debt – the people who’ve overspent, or put Christmas purchasing entirely on credit cards etc., and now don’t know how it’ll be paid off.
According to that piece, in a poll of people who used credit to help get through Christmas and the holiday season, a third of them said they were not confident about their ability to repay what they’d borrowed. And that’s pretty scary.
You can open up the Excel Spreadsheet from that survey here : The BBC News Cost of Living Survey, Jan 2023. (It’s not mine, I got it from a link in that feature about Cost of Living and so on, but it’s a useful reference point)
Now I’ll admit that I don’t have a whole lot of sympathy for people who overspend and/or borrow in order to “have a good Christmas”, but equally I do understand that lots of people feel pressure to do that, to make everything “ideal and perfect and shiny and happy” despite whatever is going on under the surface, and to hell with the cost. I understand that even more when they have children, and the thought of a bleak Christmas can be too much to handle. (Although it’s entirely beyond me why it’s too much to handle a bleak festival of gifts but OK-ish to have a bleak year as a result of paying off those presents)
But all the same, I don’t quite get that whole thing of “We’re going to buy these things even though we’ve no idea how we’ll actually pay them off“. Even in my own worst times, I wasn’t in that situation – when I bought stuff, I knew how I’d pay things off, and what I was committing to, and I was managing that as best I could until the time when I couldn’t.
It’s a terrifying situation to be in, to see those bills coming in and knowing that they can’t be paid. (Although, as always, it’s better to talk to the lenders and explain the situation, rather than hiding or running away) My own debts were the result of furnishing houses, rather than buying the latest/greatest gadgets, or just “whatever was cool” – I imagine it’s even worse when you’ve actually not even got anything to show for it other than the ephemeral “but everyone had a good Christmas”.
I don’t know where I’m going with this, really. Life’s expensive and complex enough for everyone at the moment, and we all know it – so I just don’t quite get why some people are so willingly throwing themselves even further into the shit for no really good reason.
Energy Bill Saving
Posted: Tue 14 June, 2022 Filed under: Customer Services, Domestic, Finances, Getting Organised, Legal, Utilities 1 Comment »Roughly eighteen months ago, my energy supplier of the time (nPower, a company I’m epically happy to be rid of) sold their domestic customer base to eonNext – one of the few energy companies with a worse customer rating than nPower. (So, quite the achievement)
For many reasons I wasn’t happy about this, and used USwitch to move over to Octopus in January 2021. I’ve been really happy with that switch, and haven’t moved since.
At the time, I had a credit balance with eOn, and expected that to go on the final bill. I was expecting that bill to happen within about two months, and pay any excess over the credit at that point. Except I didn’t hear anything from eonNext at all. I was still able to log in to the customer panel, but nothing else happened. So eventually I shrugged my shoulders and left them to their own devices.
Yesterday (June 2022, fifteen months after switching supplier!) I got a bill from eonNext, telling me what I owed them through to January 2021.
Thankfully, I remembered reading in the Guardian’s Consumer Champions pages about OfGem’s back-billing rules , which basically say that you can’t be billed for energy used more than 12 months ago if you’ve not been billed for it already (or informed by statement of account) . Within that information page, they also include a link to the Citizen’s Advice form letter for telling energy companies that they’re in the wrong – which is obviously extremely helpful!
So this morning I emailed eonNext back (I was going to phone, but decided it was better to have it all in writing) with my own adaptations of the form letter, and proposing that (as a compromise) they used the money I’d left in the account as a part-payment, and could then sod off for the rest. (I phrased it a bit nicer than that, but that was definitely the implication) Yes, I could’ve said “And I want that credit back as well”, but well, I haven’t had it for nearly a year and a half, so it doesn’t matter.
This afternoon I got a response from eonNext agreeing with me, wiping out the bill, and sending me a confirmation that my bill is now at zero. (I’ve printed both of those documents out, just in case they prove in future to still be fucking useless)
All told, that bit of knowledge/memory and research, and about half-an-hour’s effort (searching for the correct article, checking things out etc.) has saved me a couple of hundred quid. And that’s got to be a success by anyone’s standards.
Credit Clusterfuckery
Posted: Fri 4 June, 2021 Filed under: Bankruptcy, Cynicism, Domestic, Finances, Rebuilding Leave a comment »Over the last few years (well, really since the bankruptcy) I’ve kept a fairly close eye on my credit score – mainly using ClearScore (who use Equifax data) and CreditKarma (which used to be Noddle, and use TransUnion’s data). Both services are free in perpetuity, and have done a pretty good job so far.
Anyway, back in 2019 I’d put a few things on credit (intentionally) and then merged it all onto one interest-free balance-transfer card which gave me a longer term to pay things off. And my credit score went super-high, and has stayed there since.
In the last couple of months, I’ve completely paid that off, and all my cards now have a zero balance – which is a pretty good feeling, I can’t deny. It’s always been well within my means, but still, it’s nice to be completely clear.
However, that’s had a significant knock-on effect on my score – because I owe nothing, my credit score has dropped by about 10% this month. I know it kind-of sort-of makes sense, that they ‘can’t gauge my indebtedness’ if that figure is zero, but it also means that I could utilise 100% of my income to go into credit, yet somehow that’s less valuable. As is, of course, the perfect record for borrowing and paying back. (Albeit without paying any bloody interest whatsoever)
All of which goes to show, yet again, that credit-scoring really is a monumental load of old bollocks.
Excessive Renewal
Posted: Thu 25 February, 2021 Filed under: Customer Services, Domestic, Finances, Insurance, Lockdown, Travel Leave a comment »This time last year, I was planning on going to a friend’s wedding over in Madeira, and bought some travel insurance along the way.
Obviously it didn’t work out, because of Covid and the like, and the insurance didn’t get used for any other trips, for similar reasons. Thankfully, I’d had a good deal on it, so wasn’t too upset. Them’s the breaks, and all that.
This week, I got the renewal letter from the company, telling me what I’d pay this year.
Now OK, there’s been a lot going on in the world this year, and I assume insurance has taken a kicking (although I wouldn’t have thought it was a huge one, in comparison to travel companies, credit cards and the like) but still, the increase from last year to this is a 50% rise. And bear in mind, there’s no way I’d be using it ’til at least May/June, so it would cost me more to able to use it for less time.
Needless to say, they’ve been told to fuck off. I’ll buy travel insurance again as and when I need it – but that’s still not going to be any time soon.
Staying In Place
Posted: Mon 16 November, 2020 Filed under: Change, Covid, Domestic, Finances, Getting Organised, Thoughts Leave a comment »With everything else that’s going on, I’ve made the decision to stay in my current house for another year, and sorted out the tenancy agreement to that effect.
I’d been seriously looking at a couple of different locations (although still in the same region as I’m in currently) that would’ve worked, and enabled some other stuff to be a lot easier. It would also have been nice to have a slightly bigger place, as I’ve said before.
However, all the places that were available were at least double the price of the one I’m currently in, and weren’t making enough other things easier. Alongside that, the way things have been with Covid, and the upcoming clusterfuck formally known as Brexit, I ended up deciding that it was likely to be better/smarter to stay here, rather than over-extend things too much.
If nothing else, I’d be properly mortified to end up being in the shit because I’d moved to a better house and then everything else had gone to crap, knowing I could’ve still be in this little cheap(er) place.
So yeah, here for another year. That’s eight-and-a-half years now – by far the longest I’ve been in any one place since I left home.
For now, it still suits me enough. I’d like to move elsewhere, and I’ll look again come summer 2021, and see what happens in the meantime. If things are properly shit, I might stay again, but we’ll see.
Organising
Posted: Sat 18 January, 2020 Filed under: 2019/20, Business, Change, Domestic, Finances, Five Year Plan (now Ten), Getting Organised Leave a comment »Among all the usual stuff, I’ve spent some time this month getting things a bit more organised, and kicking off things that had slipped last year.
So in the last two weeks, I’ve…
- Moved/merged my credit-card crap onto one interest-free balance-transfer card.
It’s not a huge amount, and not something I’m worried about, but it’s good to have it in one place and no interest for the next two years. - Started playing hunt-the-pensions, seeing if I can find them and merge them into one fund, so I know where the hell things stand.
I’m not expecting much, but again, it’ll be good to know - Started sorting a new will, as the last one was done while I was still with Herself. So yeah, that *really* needs to be sorted
- Booked in cat-sitting people for all the stuff I’ve currently got lined up (which is more than it should be, but less than it could’ve been)
- Actually also done less – in each of the three weekends so far, I’ve had a day of doing very very little, as per the plan for this year. I don’t know if that’ll keep on happening (in some ways I’m finding it more exhausting than being busy, but I’ll write about that another time) but so far it’s worked out
- Completed another project outside of my usual work, which has already made me more productive than last year
- Oh, and visited my first Michelin-starred restaurant of the year as well (and it was bloody excellent)
It’s been interesting, and eventful – and it’s good to have some of that stuff checked off the list already
CostCluster
Posted: Fri 20 December, 2019 Filed under: Car Repairs, Domestic, Finances, Getting Organised, Thoughts Leave a comment »Have you ever noticed, there are some times where things all just decide to cost money all at once? And it’s usual at the most inconvenient times…
The last ten days have been a pretty good example of that. Since last Wednesday…
- The car had a front tyre blow out , so has needed a replacement tyre.
- The clutch on the car also started playing up, so has needed to be replaced.
Admittedly, it wasn’t yet completely stuffed, but you could feel it was well on the way, and I’d rather not be stuffed by that over the Festering Season - In the kitchen, the steamer I use most days died (tripping the circuit breaker along the way) and needed replacing
- And one of my smoke alarms also started doing the beep-of-battery-death. And of course it’s a non-replaceable battery (not my choice, but that of my landlord) so that’ll need replacing
On top of that, all the usual stuff for the Festering Season and so on, and it means it’s been an expensive month…
Annual Car Costs
Posted: Fri 4 October, 2019 Filed under: Domestic, Driving, Finances, Getting Organised, Thoughts Leave a comment »The start of October is expensive when it comes to the car, because it’s the anniversary of when I bought it.
So first there’s the renewal of the vehicle tax, although happily that’s not a big expense at £30 for the year.
Then there’s the insurance renewal, which is always a fun dose of bureaucracy and weirdness. And at least that one is an expense that’s spread through the year – I could do it in one payment, but find I usually can’t be bothered.
And then of course there’s the MoT test. Never fun – even if it passes with no problem, you’ve still spent time beforehand worrying about what’ll happen, and figuring out as many of the financial permutations as possible.
Last year, it passed the MoT OK, with just a couple of advisories – although one of those was about the brakes needing attention next year. So I knew that was going to come up, as well as the MoT and a service – which makes it all already Not Cheap.
Luckily though, that was it. I got one small advisory for this year, but absolutely nothing else to worry about. I suspect the clutch is likely to die sometime this year (although I said that last year too) which’ll be an expense at some point.
But for now, it’s all sorted, and my wallet isn’t as light as it could’ve been, so I’ll take that as a positive…
Reinsuring
Posted: Wed 25 September, 2019 Filed under: Advertising, Brands, Change, Customer Services, Cynicism, Domestic, Driving, Finances, I Don't Understand, Insurance, People, Weirdness Leave a comment »The world of Car Insurance is very, very strange. I truly don’t understand how it all works.
My car insurance is due for renewal in October, so I recently received the renewal gubbins from my current insurer. They’ve put my insurance up by £60 for the year. Bear in mind, I’ve not even spoken to them all year, let alone made a claim, and I’ve now got another year’s no claims discount as well. And yet it’s gone up.
So I shopped around, doing the usual comparison website thing (Meerkats rather than opera singers) and got one that’s actually £120 cheaper than what I was being offered by the current insurer – and with slightly better cover.
Brilliant, I’ll sign up and do that. Job done. And this is where it all gets weird(er)
My new insurer is actually one I used a couple of years ago. So when I log in to their ‘self-service portal’ to see my new policy, all I can see is the details of the old one. Fuck sake. (It looks like the policy is actually tied to a combination of my username and password – so I can change password, and now view the new details instead – but I didn’t know that at the time)
So first things first, I call my current insurer to tell them I won’t be renewing with them. It’s the usual automatic phone gubbins, and gives the name of the insurance provider – let’s call them ABC Insurers, for the sake of argument. I give the correct information, go through, tell them I won’t be renewing, explain why, and it’s as easy as that.
Then I call the new insurers. Who are also using ABC Insurers. So I go through the correct information for the new insurance, get things sorted, get the documents emailed to me, and it’s as easy as that.
But it’s weird – I’ve used two different companies (well, two different front-ends) and given them the same information (obviously) but one faction is offering me a significantly better deal than both the one I’m on, and the renewal quote from the one I’m on. But they’re both the same company underneath!
How the fuck does that make sense? Offering the same person two completely different prices (and slightly different packages/benefits) Why not allow my current insurer to offer the same price as my new one? It’s all just a bit bizarre.
Anniversal
Posted: Tue 13 August, 2019 Filed under: 2018/19, Bankruptcy, Customer Services, Cynicism, Domestic, Finances, Five Year Plan (now Ten), Getting Organised, Rebuilding, Thoughts 3 Comments »Having gone through the six years of the bankruptcy process (as I’ve written about many times in that period) today marks a year since that process completed. Time flies, and all that rot.
It’s the final real anniversary of any significance though – even though it came off my record a year ago, most of the banks work on a “Six years plus one” basis (fuck only knows why, but that’s their choice) when it comes to ‘full’ current accounts and the like.
So that’s where we are now – the full “six years plus one” is complete.
It shouldn’t affect things much – it would be nice to have a ‘full’ account with overdraft facility and so on , but only because that’s another thing that is good to have. I’ve done fine over the last seven years with no overdraft and never needing one, and I don’t see any reason why that would change now.
However, it does mean I’ll almost certainly move away from my current bank’s offering, purely because they were lying dicks about it all the way through the process. Once I’d gone through the first year where I was officially bankrupt, I was fine to have a basic current account. When I got it, I was totally honest with the bank, and they said I could try to apply for an upgrade to a ‘full’ current account on a regular basis (every six months or so) and see how I did.
It was only after three years that anyone mentioned that they wouldn’t give me an account until the “six years plus one” – ‘but it’s not that we have a policy, sir, it’s just that’s how it works, we won’t do it before then‘ – and so had basically lied and wasted my time for all those reviews. That did cost them money in the end – a complaint went all the way to the Financial Ombudsman, who found in my favour. (The rule in this case is keep a record of all paperwork and appointments, so you can show a history of wasted time, and stuff that you wouldn’t have done if they’d been honest and said to not bother for seven years!)
So yes, I’ll probably change banks for the current account – I’m not yet sure who to, but we’ll see what happens.
But the most important thing really is that now, seven years on, there’s nothing else keeping me back.
Disconnecting
Posted: Fri 12 July, 2019 Filed under: Bankruptcy, Customer Services, Cynicism, Domestic, Finances, Getting Organised, Rebuilding 1 Comment »As part of the whole bankruptcy process (now well and truly complete, of course) I’ve been using a couple of free services to keep track of my credit score. It’s been useful to know what’s going on, and where things stand.
I primarily use ClearScore (who use data from Equifax) and CreditKarma – who used to be Noddle – and use data from Transunion (which used to be Legatio)
Part of the reports from both of those (and from Experian, whose ‘free’ service is an absolute dumpster fire, and absolutely refuses to allow me to view my own data) involves past addresses, and people with whom one has had a credit connection – things like a shared mortgage, or whatever.
Looking through the CreditKarma stuff in particular, I noticed that they still have a record of my old addresses going right back to Bracknell – bearing in mind, I moved there back in early 2005… It also still had me linked to Herself for the mortgage we had back on the Norfolk place (which must’ve been 2007/8, if not earlier)
So, I asked them about why this stuff was still on there – bearing in mind, credit stuff is supposed to stay on one’s record for six years and then go – and got a response back that was… less than encouraging. (Note, I’m going to edit some of this so it’s comprehensible without being comprehensive)
There are several reasons why TransUnion UK hold historic address information [including] something called asset reunification, which is when TransUnion UK helps clients trace the holders of lost or forgotten financial accounts, such as pensions or bank accounts. So, if you have an account associated with an old address that you don’t know about, financial institutions will be able to find you.
Another reason [we hold] old historic address information is to help organisations trace individuals who have moved without telling their creditors where their new home is (this is known as debt tracing).
For now, let me confirm that TransUnion UK holds address information indefinitely. However, they are reviewing their policy to see if a fixed upper limit can be set on how long they will keep address data for.
The “Indefinite holding” of that data is definitely a no-no. So far as I know, it’s still the case that if a company doesn’t get in touch with a debtor at all for six years, that debt is no longer viable, and is effectively written off. So historic data could be stored for (I’ll be charitable) seven years, and then get erased. I’d be OK (ish) with that, at least.
But this is information going back more than twice that time. I’ve now filed requests to lose all of that data – I’ve now been at this one address for longer than the six years usually required – and also to take away the connection to Herself. (I can’t imagine she’d be overly happy to still have that connection either) We’ll see what happens on those things.
I’m also going to refer this to the Information Commissioner, because I’m pretty sure they’ll be interested in anyone who claims to be storing personal data indefinitely…
The Joy of Tech
Posted: Fri 22 March, 2019 Filed under: Bankruptcy, Domestic, Finances, Geeky, Getting Organised, Rebuilding, Technology, Thoughts 3 Comments »Yesterday, while doing a quick shop on the way to work, I suddenly realised I’d left my wallet at home. Bugger.
I was just about prepared to take everything back to its shelves/locations, when it occurred to me that actually I was still OK – I had my phone with me still. That meant I’d got the ability to make a contactless payment – and because I’d also added the details of my Monzo card/account to the phone, it meant I had everything I needed.
It’s pretty amazing, the way these things have now become so much more mainstream than they were ten years ago, or even five. Since I got the Monzo card eighteen months ago (it’s the only one I have that also connects into my ApplePay account on the phone) I’ve stopped carrying cash except for specific occasions – for example, the car wash I use still only takes cash.
I still prefer to carry physical cards (hence usually having a wallet) but it was still interesting to realise that forgetting it is no longer the “Oh shit!” moment it used to be. (So long as I remember my phone, and that I can use it, anyway)
Ain’t progress grand?
Closing The Year
Posted: Mon 31 December, 2018 Filed under: 2017/18, 2018/19, Bankruptcy, Domestic, Finances, Five Year Plan (now Ten), Getting Organised, Health, Looking Back, Rebuilding, Reviews(ish), Single Life, Thoughts, Travel, Weight Loss Leave a comment »And so we’re at the end of 2018. And as such, it seems apt that the last post of the year should be a quick assessment and overview.
All told, it’s been a good – and busy – year.
There’s been more travel than usual, with that week in Toronto to add into the bargain.
There’s been more work, but also more fun times, trips out, meals, etc.
I’ve been doing a lot of work on weight-loss which has ultimately ended up not doing much – but I have more knowledge, more figures, and the steps I’ve taken have improved my health, strength, stamina, and resilience. They’ve just done sod-all to lose actual weight. But I’m OK with that, and it’s something I’ll continue to work on.
On the downside, I’m ending the year with a bit more debt than I’d like. It’s nothing earth-shattering, nor even major. A fair chunk of it is for tickets for things in 2019, of which another decent chunk is owed to me by others for their tickets. But all the same, it’s more than I’d like it to be.
However, in a fit of progress and being grown up, it’s also now all in one place, with zero-interest ’til 2022, and it’ll be done by the end of 2019. I could do it even quicker if I wanted – and I may do so – but it’s all under control, and I’m OK with it.
There are, as always, things I haven’t done – no matter the good intentions, they just haven’t happened. I’ll continue to work towards those things, and I’m going to write more about that tomorrow.
All told, it’s been a positive year, and I’m feeling pretty good at the end of it.
Debtor’s Tales
Posted: Fri 28 September, 2018 Filed under: Bankruptcy, Cynicism, Domestic, Finances, Media, People, Thoughts Leave a comment »This week I read the story on the BBC of a woman whose father committed suicide because of his debts. It’s an interesting piece – but, having been through that process, there’s something just Not Quite Right about it too.
I know lots of people – particularly middle-aged men – hide their heads in the sand when it comes to debts and so on, in the seeming hope that it’ll all just go away. (Spoiler Alert – It never does)
In this case, the man ended up being declared bankrupt by the local council, as he couldn’t keep up payments having missed one. (And the council behaved shockingly badly, even for local authorities – I know that if I’ve ever had a problem, I’ve got in touch and it’s all been easily sorted. But of course, you have to get in touch)
According to the story, once he missed a payment, the council billed him for the whole year at once. (Again, I’ve received that letter, but then got in touch and got it sorted down to a new monthly amount that accounted for the missed payment to be spread over the remaining payments) He couldn’t afford the full year, so just didn’t pay anything – and kept on not paying anything. (There is also a quite stunning degree of stupidity going on here, but I do semi-understand the mindset)
Where I get really twitchy about the story, though, is after he’s declared bankrupt. Supposedly, the court-appointed trustees for the debt – and this is where he and I differ, in that he was declared bankrupt by someone else, where I declared myself – super-loaded the entire thing with extra charges, which is something that simply didn’t happen with my own Payments Agreement. From the article…
Straight away he was charged £3,800 in something called “statutory interest”, which took his debt to about £15,500. But that was just the start. Over the next three years my dad actually paid £15,000 to the trustees appointed to collect the debt – the accounting and consultancy firm, BDO – but over the same period the bill from the trustees grew to £72,000.
(c) BBC https://www.bbc.co.uk/news/stories-45581526
Whatever was happening, that was iniquitous – but I don’t know what it was about. When I got my agreement, it was the amount remaining from my income after all the bills and expenses had gone. I paid that amount for three years, and that was it. No further charges, no ‘statutory interest’, nothing. The only other thing I had had to pay was the court fees, which came to £700-odd, from memory. That was it.
Yes, I paid any extra income for three years – but that figure was set at the start of the process, and only changed if my situation did. The entire process was clean, fair, and the best thing I ever did. Obviously I’d have preferred to not be in the situation where I needed to go through that process, but there we go – hindsight is a wonderful thing on that score.
So yes, it’s a terrible story of what happened to this man. But there’s also a lot that’s not being said, or that (in my humble opinion) needs further exploration.
But as always, the biggest thing to say about it all is that the help is there – so long as you make the effort to find it, to keep in touch, to talk to the right people. If you just hide away then it’ll all keep on coming back, bigger, nastier and more brutal than before. There’s no escaping this sort of shit, it just gets worse if you hide from it.
Turbo Near-Miss
Posted: Wed 22 August, 2018 Filed under: Car Repairs, Customer Services, Cynicism, Domestic, Driving, Finances, Getting Organised, M1, Travel 3 Comments »While driving down to London yesterday (of which more in another post) my car started to make an odd noise. Primarily a whining noise when under acceleration, and generally not all that well.
I called my usual garage, told them what was happening, and got told “Oh, first time we can look at it will be September 3rd”. (The usual “fob off the customer” approach that they’ve excelled at so many times) So instead I contacted the other dealership in the area – part of the same group, but run as a separate entity – and the person there made noises of “Oooh, that’s not good”, and asked if I could bring it in the next day (today)
I did so, and as I’d suspected, the turbo is on its way out. Bollocks.
So the car’s booked in for the work – not cheap, but less than getting a replacement vehicle – and I’ve got a replacement vehicle while they do it.
So far, the new dealership looks really promising – the service department have been great so far, and the deal I’ve got from them has been positive. It may be that they turn out to be shite – but if not, I’ve got other options.
It’s surprising to see the difference between the two dealerships – the previous/main one (as I’ve mentioned before) consists of a patronising bunch of fuckknuckles. They seem so complacent about everything, and their idea of customer service appears to be to make the customer feel like a fuckwit.
What they’ve never understood – and the new place appears to – is that the service department is just as much of a sales tool as the actual cars in the showroom. If I’m being treated like crap by the service department with the current vehicle, what on earth would make me buy another car of the same make, and lock myself into further years of being treated like crap?
That’s what the new one seems to understand – that this is the way to keep people coming back. It’s what the Saab garage I used with the previous car understood – and so did the Ford one before that.
We’ll see what happens now, and how things go after the repair. I’m hoping that this time won’t have the same knock-on after-effects that it did when the same thing happened on the Saab. (Although this time it’ll also help that the turbo was just on the way out, rather than having gone pop when travelling at speed, as the Saab one did!)
Nearly Done
Posted: Sun 12 August, 2018 Filed under: Bankruptcy, Domestic, Finances, Rebuilding Leave a comment »Today marks the six-year anniversary of when I declared myself bankrupt.
The next twelve months is the final stage of it all – Bankruptcy is a strange edge-case when it comes to credit-score reporting, because it actually has a duration.
If it had been a simple marker, it would expire today and all would be well.
But because it lasts a year, it doesn’t come off the record until six years after the bankruptcy period *ends*. So, another year of it being on the record.
It’s an oddity, and one that seems to confuse a lot of people when it comes to asking about when these things expire.
Still, only another 12 months to go. Could be worse.
Illumination
Posted: Mon 23 October, 2017 Filed under: Commuting, Domestic, Driving, Finances, I Don't Understand, People, Weirdness Leave a comment »On Friday morning, while it was still dark, I started the car to go to the client office – and one of the headlight bulbs blew.
Bollocks.
I’m not a fan of driving with one bulb out, but in this case it was going to have to happen, so off I went, a bit more carefully than usual, as a bigger swathe of the road than usual was in darkness.
On the way home though, I dropped in to one of the local(ish) Halfords, and got a new bulb sorted and fitted. Yeah, in theory I could fit it myself – but seeing the struggle the lad had with getting to it (the space was extremely tight/narrow) I’d have had issues, so it makes sense to get them to do it. (Also, when he opened the packaging for the first bulb and dropped the bulb through the engine block, he just went to get a replacement – that wouldn’t have happened if it’d been me doing it!)
From start to finish, it took less than half an hour – even with the difficulties the lad had. And all for less than £20.
I really don’t get why so many people seem to have problems with getting bulbs replaced. Some people I see in the village have had the same bulb out for weeks, if not months. I understand that sometimes you just get used to the problem existing, rather than fixing it – but at the same time, working headlights are a pretty basic requirement, I’d have said.
And besides, if it’s only £20 all-in to fix it, really, I don’t get the point of not bothering. but maybe I’m missing something. Wouldn’t be the first time, after all.
Expensive
Posted: Wed 4 October, 2017 Filed under: Bankruptcy, Domestic, Finances, Getting Organised, Rebuilding, Thoughts Leave a comment »For a number of reasons, the last month has been idiotically expensive. Some of it has been voluntary, some of it has been necessary. All of it has added up.
In the last month or so, it’s included…
- Four new tyres for the car (Necessary, as all four were getting close to their wear limits)
- MOT for the car (Necessary!) – thankfully, it only needed two new bulbs, so the MOT itself wasn’t all that expensive
- Car Insurance – (Necessary, but also Voluntary – I paid the entire lot at once, rather than monthly, which saved about £60)
- Tickets to see a band called The The in London next year (Entirely voluntary, of course)
- Tickets to see Macbeth at the RSC in Stratford-on-Avon next year (Also entirely voluntary)
- Tickets to see Titus Andronicus at the Barbican in London early next year (Voluntary)
- New walking boots (Necessary, considering the damage I sustained from the broken old ones)
And that doesn’t include all the usual stuff.
So yeah, fairly expensive. It’s all still within my budgets and limits, and the majority will be paid off this month – but all the same, it’ll be nice if I can have a quieter October and November, with less outgoings!
Five Years A Bankrupt
Posted: Thu 10 August, 2017 Filed under: Bankruptcy, Domestic, Finances, Rebuilding Leave a comment »It’s five years today since I declared myself bankrupt. As of today, I’m in the final year of it being on my record – and who knows what’ll happen from there.
It’s been a tough process, and it’s not one I’d recommend to anyone else – if nothing else, I’m pretty sure that most people going through it would also end up losing a lot more than I did – but for me, it’s worked out for the best.
I’m sure I’ll have more thoughts along the way, and will end up writing another post for a year’s time, when it’s finally all done and dusted.
Something New – Quick Update
Posted: Wed 19 July, 2017 Filed under: Customer Services, Domestic, Finances, Getting Organised, Thoughts Leave a comment »Last week, I wrote about starting off with getting a new card from Monzo, and how things had gone so far. At the time, I was waiting for the card to arrive, so I could connect it to the account and so on.
The card actually arrived on Saturday, rather than the expected/predicted Friday, but I can live with that. Even out of usual business hours etc., it was a simple case of opening the phone app, doing the linking process, and it was immediately sorted with the top-up I’d put on it.
I’ve used it for some payments over the last few days, and so far I’m really impressed. It’s all been painless, and the updates and notifications come through to the app so fast you can’t really believe it’s been that quick.
As I said last time, I’ll write more about the entire thing in a month or so – but right now, yeah, I’m actually impressed with Monzo. Let’s hope things stay that way.
Something New
Posted: Fri 14 July, 2017 Filed under: Bankruptcy, Customer Services, Cynicism, Domestic, Finances, Getting Organised, Rebuilding, Technology, Thoughts Leave a comment »Over the last week or so, I’ve been trying something new (well, new-ish) in the financial sector – Monzo.
I’ve been aware of a few of this type of “new banking” start-ups of late, but Monzo interested me when I read this article that talked about how closely it kept track of payments, and their whole customer service set-up. In my own experience with banks, it’s customer service that is their greatest weakness, so I’m interested in how other ‘non high-street’ new financial organisations address it.
At the moment it’s “only” a pre-paid credit card option, driven entirely through a smartphone app – but they’ve got their banking licence, and are aiming to be starting a current account as well, again all driven through smartphone apps.
So far, the experience has been pretty good. (Note – for purposes of this, I used my iPhone – I can’t say anything at all about the Android version) I got the app through the App Store, and went through the initial stages. Basically, just a name and date-of-birth for verification purposes, and then they order your card.
This took some time – but the expectations were managed all the way through, showing the queue of applicants, where I was in that queue, how many people were before me, and how many after. Now, my cynicism kicks in slightly here, as I noticed that the number of applicants always stayed around the 25,000 mark, so it *could* just be a steady flow of incoming customers, or it *could* be all smoke-and-mirrors guff to make me think they know what they’re up to.
It took about four days to get to the top of the queue (I could’ve jumped places if I’d promoted Monzo on social media, but frankly, fuck off) and once that happened, I got a notification to say so. This was where the identity stuff came in, and needed address details, plus an in-app photo of driving licence for proof-of-address, and a 5-second video to prove I’m real.
I’ve done an initial top-up (of a completely manageable amount – if the entire thing turns out to be a scam, I won’t be screwed) and the card has been sent to my home address. It’s due to arrive today, at which point I’ll have to connect it to the app – slightly annoying, as surely they know all the necessary details already – and then it should be ready to go.
I’ll write more about it in a month or so, once I’ve used it and seen how I feel about the entire thing. So far, though, it’s been an interesting and positive experience – I hope it continues to be so!
Capital Issues
Posted: Fri 30 June, 2017 Filed under: Bankruptcy, Customer Services, Domestic, Finances, Getting Organised, Rebuilding, Thoughts 1 Comment »A couple of months ago, I got a letter from one of my credit cards (well, from the company behind one of my credit cards, to be pedantic/accurate) telling me they wanted to upgrade my credit limit, and if I wanted to accept, drop them a line.
I was OK with that, so I confirmed the upgrade, and it got applied to my account two and a half months ago. (That’s relevant in a minute)
This weekend, I got a text message confirming that my upgrade was being processed. Then on Monday I got a letter, also confirming the same thing.
Now, one of the main things you’re always told by card companies is to get in touch with them if you start getting unexpected letters from them, and particularly when it’s either replacement cards, or stuff about credit limits. Additionally, with my own credit history I’m more aware of these things.
I gave the card company a call yesterday, and it did not go well.
First of all, the person I spoke to seemed to think she was working in a different department, and her first question was “What are you going to offer us?” (I’m assuming she’s usually in debt recovery or something, or dealing with people who are going to say they’re in the shit)
I explained that I had concerns about my credit limit, because…
“Your credit limit is £[x]. Anything else?”
“Yes, I’ve got concerns about the security of my account. As you’ve shown no interest in even listening, let along caring, I’d now like to speak to your manager, please.”
*Huge sigh* “I’ll just look at your account activity”
“No, I’m not happy with you doing that. I’d like to speak to your manager, please. And the sigh is not helping things.”
*Pause, and then another huge sigh* “I’ll see what I can do, but I need to check your ID and activity”
“No, I’m not happy with you doing that. I’d like to speak to your manager, now, please”
“I’ll see whether I can find someone”
I did eventually get to speak to a manager, who sorted out that there *had* been a problem in the card company’s processes, but there was no evidence that the account was compromised. I also left a complaint about the first person, because their attitude sucked so hugely.
I don’t expect anything else to come of it, but it’s all reported and dealt with, and I’m happy with how things stand, so at least it’s had a fairly positive outcome.
Footwear Fails
Posted: Wed 28 June, 2017 Filed under: Customer Services, Domestic, Finances, Getting Organised, Thoughts Leave a comment »For the last twenty-odd years now, I’ve been a pretty loyal wearer of Cat Boots. I’ve always found them to be comfortable – although the quality has gone down significantly over the years, but the price has always remained the same, so I understand why/how that’s happened – and to have a decent build quality that generally lasts me well in comparison to other boots.
However, back in March I bought two pairs from the online shop for Cat boots. All went well – and thankfully I paid by credit card – and I started wearing one of the pairs. All well and good.
However, last week, I started getting blisters on one foot while wearing the boots. That’s less than three month’s wear, and that’s totally not acceptable. I know I can be tough on boots – I walk a lot, as has been mentioned before – but they haven’t even been worn every day of that time. So I’m working on the fact that they’re not fit for sale.
I’ve been back in touch with Cat Boots, and returning the boots to Cat this week. We’ll see what they have to say about them.
Mind you, if Cat don’t come back to me satisfactorily, I’ve also still got Section 75 to fall back on – and I’ve already checked with the card company, and got all the documentation and photos I need – so I can go that route instead. Either way, it’ll work out fine from my perspective. Probably less so from Cat’s perspective, but well, we’ll see.
On Being A Cretin
Posted: Wed 7 June, 2017 Filed under: 1BEM, Customer Services, Do More, Domestic, Finances, Five Year Plan (now Ten), Getting Organised, Health, Milton Keynes, People, Stupidity, Weigh Less Leave a comment »With life taking several turns over the last year, I’d given up a bit on going to the gym. OK, I’d given up on it a lot. So I’d put my membership on hiatus, paying a small maintenance fee rather than the full monthly amount. (Because while I’m definitely an idiot, as will be shown shortly, I’m not a complete idiot) It meant I wouldn’t have to pay a re-joining fee etc., and could reactivate things really easily once I was back to being in the mood for it.
Last month, I decided I wanted to get back to going. Again, a number of reasons, but mainly just realising I wanted to do more, as well as some preparation for my idiot event in September – of which more later.
So I went to the PureGym website, logged in, and reactivated my membership. Oddly, I had to pay a joining fee again, but I thought I’d just not read the terms and conditions properly, and it’s not a huge amount, so there we go. The proper payment comes out of my bank about a week later, and all good. Job done, I’m going back to the gym from June 1st.
Come June 1st, I look at my bank account, and there’s that maintenance charge again. Weird. Maybe it’s connected to that billing cock-up where I paid a joining fee.
So I call PureGym, to try and find what’s going on. They tell me that the Direct Debit reference I’ve given them isn’t connecting to any of their records, so they’ll need more information from the bank, to know where that DD started, where it’s going etc. Annoying, but indicative that a significant cock-up has occurred.
I ring the bank, and speak to someone there. Let’s cancel that under the DD guarantee, here’s the details, it’s a Direct Debit for The Gym… And a light goes on in my head. I’m a cretin.
For whatever reason, I’ve got “PureGym” in my head as the one I’m going to. (And it’s one I was a member of, in two different locations) Only that’s not the one I’m using. I’m using “The Gym”, and that’s where the maintenance payment’s come from. So I’ve re-joined a gym I don’t want, and not restarted the membership of the gym I do want. For fuck’s sake.
The lady at the bank (having laughed) reinstated the DD for the Gym, and re-paid the money to them that’d gone out that day. Then I went back to PureGym, explained that I’m a complete idiot, what had happened, and asked if it was possible to get my money and joining fee back from them. No problem if not, we’d class it as an idiot tax, but if possible it’d be great.
And they did. It’s not a standard thing, but I’d not used the gym, it was still on the first full day of “membership”, and – I suspect most importantly – I’d admitted it was entirely my fault, and that I’m a moron. (It also made them laugh, which is fine)
All told, I got lucky in many ways. I’m lucky that (in general) my bank are pretty good on this stuff. I’m lucky that both gyms in question are month-to-month ones rather than contracts. I’m lucky that the people in both cases were nice, and obviously far more used to people shouting and swearing, and making out it’s all Their fault.
I’ve not lost anything (except some self-respect) and it’s all worked out. But man alive, do I feel like an absolute cretin.
What’s The Plan?
Posted: Sun 1 January, 2017 Filed under: 2016/17, Business, Do More, Domestic, Finances, Five Year Plan (now Ten), Getting Organised, Health, Resolutions, Thoughts, Weigh Less, Write More Leave a comment »And here we are, at the start of 2017. Didn’t that come round quickly?
As with previous years, I don’t really make resolutions. It’s all pretty arbitrary, the whole resolutions thing, so I usually choose to make plans from one birthday to the next, rather than the whole “January 1st is for new starts” cobblers.
This year, I’ve got some plans for 2017 as a whole though – although they’re not much different to what I’d laid out back in November. However, in my head, I’ve laid some of these down as being “this year” instead. I don’t quite know why, but it’ll work for me.
So – what are they? Well, in no particular order…
- Finances
- Add a significant amount into the savings
- Work
- Figure out what comes next after the current contract (I’m sure that’ll happen at some point in the coming year)
- Learn some new stuff, because why not?
- Launch at least one of the projects that’ve been in my head for way too long
- Writing
- Complete at least one of the screenplay ideas I’ve started in 2016
- and then figure out what the hell to do with it/them
- Complete a book idea I’ve got, and publish it (for Kindle)
- Health
- Lose weight (I’ve put some on over the Festering Season, and want to lose that, plus a bit more)
- Do some training/practice walks for that walking marathon in September
- and then complete it on the day
And really that’s it. There might be a couple of other projects along the way, but that’s the main objectives, all in one place.
Whether or not they happen, I don’t know. (Obviously, as we’re only on Day One) But I’m going to give it a damn good go.
Replacement Card
Posted: Tue 1 November, 2016 Filed under: Bankruptcy, Business, Customer Services, Cynicism, Domestic, Finances, Getting Organised, Rebuilding 2 Comments »On Friday evening, while I was out for a meal, I paid using the card for one of my Barclays accounts. That transaction, while all went OK, had traits that felt… odd. Wrong. Or at least just Not Quite Right.
So I called the bank straight after, and cancelled the card with immediate effect. That took a bit of explanation, as “I want to cancel the card from right now, no more transactions” apparently still needs discussion, and a whole bit of scripted text from the bank about “With the card cancelled, you won’t be able to use it”. (Well yeah, that’s why I’ve cancelled the cocking thing.) But I assume they’ve had to deal with morons in the past who’ve cancelled the card and then complained they couldn’t use it for something.
Anyway, they told me my replacement card would be sent out as soon as possible, and all that jazz – all fine, I’m just happier knowing that I’ve handled it to the best of my abilities, should that transaction have turned out to be as dodgy as it felt like it could’ve been.
When I got home last night, there was the new card.
And I can’t deny, I’m impressed with that – a card that’s been requested in the late evening (10pm-ish) on a Friday, and is delivered on the Monday? Not bad going at all.
While Barclays have their moments of driving me absolutely crackers – and that’s still going through the Financial Ombudsman, so I assume Barclays are being dicks with the Ombudsman as well – I can’t deny that some of their systems are also pretty bloody good.
[Updated to mention : Having looked back, it turns out it’s not the first time I’ve been impressed by this replacement card system]
EE’s broken payments
Posted: Sun 16 October, 2016 Filed under: Customer Services, Domestic, Finances, Geeky, Technology, Thoughts Leave a comment »As I wrote yesterday, I ended up having some major issues with the cottage’s already-installed 3G Dongle through EE.
Basically, it’s either not been used for a while, or the previous people ran the account into the ground – there’s absolutely no credit or data available on it. That’s OK, you can connect to EE still and add a credit. Or at least you should be able to.
Basically, the device is set up so that it can still connect to ee.co.uk , and that doesn’t come out of the data allowance. All’s well and good. But. Ah, but.
The thing is, when it comes to processing payments, the processing isn’t all done on ee.co.uk. It also goes off to get the 3D secure (also known as “Verified by Visa” or “Mastercard [something]“) from the relevant bank. Only that’s from a different (and thus not-allowed) domain outside of EE, and because there’s no data allowance, the connection is refused, and the credit transaction fails.
All you get to see on screen is “An error occurred” with “Try again”. Which is… unhelpful.
What’s more unhelpful is that EE’s transaction system has pre-authorised the amount you’ve topped up by. So the funds are then locked by your bank. They’ll be released when the transaction doesn’t complete – but it can take two to three working weeks for that to happen, because banks are paranoid and slow and shit. And EE are just shit, because their failed transaction doesn’t release those funds.
Even better, you can’t then offer feedback or contact EE. Because – yes! – all the online feedback is done through a third party, and goes off to a different domain.
So you’re basically left with no data, no top-up, locked funds, and no way to contact EE to tell them so.
Even worse, I suspect it’s only because I’m a techie that I understand it this much – for Joe Public it’d just be “it’s broken, and EE are shit”. (Which isn’t something I could argue with either, but at least I can understand why it’s broken!) It’s a simple scenario, but one I’m willing to bet they’ve never tested, going on the assumption that people would top up before they ran out completely, etc. etc.
I’ve written to them to explain the same situation, so it’ll be interesting to see what they come back with (if anything)
An Expensive Week – finale
Posted: Thu 13 October, 2016 Filed under: 2015/16, Bankruptcy, Domestic, Finances, Five Year Plan (now Ten), Rebuilding, Thoughts Leave a comment »Collecting the new (to me) Kia Ceed yesterday, it made me think again about how much things have changed over the last few years. Back when I had to get the Saab, I was mid-bankruptcy, and the available funds were super-tight. I got lucky with the Saab – very lucky, in fact – and in some ways I needed to get that lucky.
This time round, while things haven’t been perfect, I’ve been able to do much better. I’ve moved a fixed amount from savings to bank account, and worked within that larger-but-not-huge budget to get the Kia. I could’ve taken out more, but didn’t want to drain the savings entirely. I could’ve spent more from the budget, not bothered with the maintenance/parts warranty. I didn’t want to, but I could’ve done. I had options.
I hope that the Kia will last me a couple of years. I’ll spend that time rebuilding savings and so on, and hopefully be in a better place again when it comes times to replace it. By then I should be OK to look at sorting out a finance agreement, rather than paying outright, which will be another step in the rebuilding process.
A lot has changed in the three-and-a-half years I’ve had the Saab. A lot more will change during the expected lifetime of the new one. And that’s nothing but good.
An Expensive Week
Posted: Sun 9 October, 2016 Filed under: Car Repairs, Customer Services, Domestic, Finances, Getting Organised, Thoughts Leave a comment »As usual when things go quiet round here, it’s been a busy week – and an expensive one. If this is the aftermath of holidays, I’m going to have reservations about taking them again.
While I was away, the Saab was (again) in the garage, getting a winter service, as well as checking out a couple of weird issues that only occur when it’s been standing for a couple of days (and thus are hard to get to happen once you’ve driven the sodding thing to the garage) I’d hired a car to do the driving for the holiday, which was an expected expense.
On Tuesday, I dropped off the car at the hire company, collected the Saab from the garage, and drove into town to work for the rest of the day. All fine. When I drove it home afterwards though, the oil light came on, and the engine started sounding unwell. Bugger. With no back-up plan, it meant I had to sort out getting the car recovered back to the Saab garage, then collecting a new hire car, and doing it all in time to collect friends I was taking to a charity quiz night. So, no pressure.
As it happened, it all worked out – the recovery wagon turned up earlier than expected, we got to the garage, and the car-hire guys met me there, to take me to the hire place, so I could collect the car and then collect everyone. Pretty stressful all round, and a lot of juggling and keeping people informed of what was happening, but it all came together.
By the end of it, we even came second on the quiz!
It’s made for an expensive post-holiday week though. Paying for a new hire car, and whatever work the car needs etc. etc. Oh, and then of course my Fitbit decided to fall apart as well – because why not, when everything else is doing the same?
Just one of those weeks.
Adding to Savings
Posted: Wed 5 October, 2016 Filed under: 2015/16, 2016/17, Bankruptcy, Change, Domestic, Finances, Five Year Plan (now Ten), Getting Organised, Introspective, Rebuilding, Thoughts Leave a comment »About six weeks ago, I wrote about the changes to my intended savings plans for this year, and how it was affecting things.
Basically, I’d had a plan of how much I wanted to put into my savings account this year, and that hasn’t happened. There’s been a lot of other stuff going on instead, but all the same, it’s been a bit annoying to have not managed that target.
Since then, though, I’ve been adding in to the savings account, and making progress. I won’t get to the original target figure for this year – but putting some in is better than putting none in. So since that first post, I’ve put in the full amounts of a couple of invoices for work I’d done, but also a bit more than 10% of each piece of income has gone straight back out to the savings, so I don’t even really notice it’s gone.
In honesty, that’s what I should’ve been doing all of this year, but I was looking at it from a flawed perspective. (I can’t be bothered to explain that right now, but may do some other time) I’m intending to keep doing the same for the rest of this year, and do the same but with more money next year, and see how we go.
Eating Well For Less
Posted: Mon 22 August, 2016 Filed under: 1BEM, Advertising, Brands, Cynicism, Domestic, Finances, Food, Health, Laziness, People, Shopping, Television, Thoughts Leave a comment »Over the last few weeks, I’ve been watching the BBC’s “Eat Well For Less” series. It’s an interesting concept, helping people with their eating habits (and more accurately, their spending on food) by removing all the labelling and branding from food in people’s houses, removing all the prejudices etc. around their food spending. They replace expensive branded stuff with ‘own-brand’ or cheaper alternatives (and in some cases with more expensive, but better/healthier options) and also leaving some things alone. Additionally, they help people with recipes for their favourite meals, rather than buying pre-packaged and so on.
A lot of it is insanely annoying, but the core information is (in my opinion) worth it, for both the families on the programme, and people watching it.
But oh Dear God, those families are fucking pathetic. There’s lots of preconceptions about brands being preferred “because they wouldn’t be so popular if they weren’t the best” and so on, which drives me crackers.
The most recent one tonight, though, drove me crackers. One family member had been diagnosed as coeliac, and had spent six years eating salads he hated. Six. Fucking. Years. How does anyone end up eating stuff they don’t like for six bloody years? There’s no logic in it that I can see – unless they haven’t done any enquiries or research about what’s got gluten in and so on?
In this case they were buying loads of pre-packaged food – and I get that more, because they were so worried about cross-contaminating from their foods to his, and making him ill – but with no thoughts or understanding. I think the peak point for me was buying pre-packaged “gluten-free” rice, not understanding that all rice is gluten-free, in the name of Jesus H Pant-shitting Christ.
So yeah, it’s been an interesting series, but Holy DogEggs, some people are fucking lazy/stupid/pathetic*.
(* Delete as applicable)
Mislaid Plans
Posted: Sat 20 August, 2016 Filed under: 2015/16, Bankruptcy, BurgerCrawl, Day Trips, Do More, Domestic, Driving, Finances, Five Year Plan (now Ten), Food, London, Rebuilding, Solo Dining, Thoughts, Travel 3 Comments »Back at the start of the year, one of my stated aims was to put more money into savings. I’d finally finished my bankruptcy’s payment plan at the end of 2015, so the plan was that I’d put that straight into savings instead of into the payment plan.
That aim has kind-of worked, but not to the extent I intended to. Road to hell, Good intentions, and all that rot.
I looked back this week – coming to the last third of the year, I wanted to review where I was. I’ve certainly added to the savings, but it’s not been to the full extent that it could/should have been.
There’s some reasoning behind it, when I looked into it and thought about it. Primarily, it’s the first time in way too many years (certainly far preceding the bankruptcy) where I’ve had disposable income – and I can’t deny, I’ve been taking advantage of that this year.
It’s been one heck of a year, with a lot going on – as I’ve written about before – and some of that has been funded by the money that “should” have been getting funnelled into savings. I can’t – and won’t – deny it, I should have been a bit better, a bit smarter about it, but well, I haven’t.
I’m already making plans for 2017 to be much calmer, to not be going quite so barmy about having time, space and money. From January, that money *will* be going to rebuild savings.
2016 has been a mad old year, with lots going on. 2017 is going to be a good year, but a bit more relaxed, a bit more sensible. Not perfect – I’m never going to claim that – but I know what needs to be done, and I intend to be doing it.
Little Victories
Posted: Sun 13 March, 2016 Filed under: Bankruptcy, Customer Services, Domestic, Finances, Getting Organised, Rebuilding Leave a comment »Back in December, I discovered that three companies had been mis-reporting things on my credit-score – reporting finances/loans/debts that had been included in the bankruptcy as still being ‘in default’ (i.e. not paid) every month since. As a result, I wrote to all three, asking them to correct the information and sort things out.
One company- one at the allegedly ‘bad end’ of the finance industry – came back to me on the same day, agreeing that they’d got it wrong, and correcting things all the way back to 2012, the time of the bankruptcy. Happy day.
The other two – supposedly more ‘responsible’ and ‘professional’ organisations – have dawdled and faffed about with it. They’ve both failed to live up to their own complaints procedures and timescales, and generally just taken their time to get things sorted.
In the end it’s taken extra hassles, extra letters and calls, and mentions of going to the Financial Ombudsman, the Information Commissioner (for dodgy reporting of information) and the Financial Conduct Authority (FCA) And that’s the ‘professional’ companies, don’t forget.
But it’s all sorted now – my latest credit report shows that they’re now all reporting the accounts as closed/satisfied (which’ll do) but it’s taken three months to get it done.
The fix to the scores isn’t immediate – but as these things go further back in time, they fade in importance on the scores, and that will start to improve properly now. It’s been a pain in the arse to get sorted, but it’s done now, and that counts as a little victory, another improvement in the long path. And it’ll do for now.
Rebuilding and Correcting
Posted: Sat 19 December, 2015 Filed under: Bankruptcy, Customer Services, Domestic, Finances, Getting Organised, Rebuilding, Thoughts Leave a comment »As part of the whole finances-rebuilding process, I’ve recently been paying more attention to my credit score and so on, including getting reports on it via Noddle , Equifax, and Experian. (It’s worth doing all three when you’re checking these things, as some companies report to one or two of the credit scoring agencies, but not necessarily all three – which is insanely frustrating, and most people don’t know it)
Within those reports, I found that three companies were mis-reporting things – primarily that debts that had been included in the bankruptcy were still being reported every month as “Default” (i.e. late) payments, rather than acknowledging that they’d been dealt with by the bankruptcy. I have no way of knowing (although I have some suspicions) if this is ‘just’ a mistake, standard incompetence, or a tactic to keep credit-scores low for people who’ve been through bankruptcy.
We’ll find out soon enough, though. I’ve written to all three companies, giving them the necessary information and copies of certification, and requesting that they update their records. In all three cases, I’ve given them three options for declaring the debt ‘satisfied’ (which is a different status to ‘paid’, but still closes the account) :
- Update it as of this month
- Update it for this year’s records
- Update it, backdating to when the bankruptcy was discharged.
Obviously the final option is the best one – and the one generally recommended by the FCA and Insolvency Service – because once the bankruptcy is declared, all debts are nullified, and all the credit recording should reflect that with immediate effect. So I’m still trying to be reasonable and find a middle-ground by letting it be marked as ‘default’ for a further twelve months.
One company has already come back to me, taking that third option. The other two, well, they’re more ‘traditional’, so letters have had to be posted (recorded delivery, naturally) and will take time to process. In both cases, the recorded delivery gives them a finite timescale to work with – if nothing has been done in eight weeks from proven delivery, I can start to involve the Financial Ombudsman and FCA. That’s a while off yet though (obviously) and I hope things will be sorted well before then.
The thing is, none of this is essential to the rebuilding of my finances and credit-score – although it will definitely help to have these three records sorted. But the rebuilding will continue to happen, with other positive credit-score reports and transaction reports helping over time.
There’s no valid reason for the various companies to not make the changes, though. It’s a matter of correcting the information, of setting the record straight. That shouldn’t cause anyone any problems.
But I bet it does.
Confirmation
Posted: Thu 17 December, 2015 Filed under: Bankruptcy, D4D™, Domestic, Finances 2 Comments »As I wrote earlier this month, I’ve made my final payment to the Insolvency Service, following on from my bankruptcy in 2012.
Last night, I came home to a letter confirming that it’s all been received and that I’m paid up and done with that process.
That’s been a real boost. There’s still nearly three years – two and two-thirds years, to be exact – to go before it comes off my record completely, but this is the final hurdle on the way.
2015/16 – Finances
Posted: Fri 6 November, 2015 Filed under: 2015/16, Bankruptcy, Domestic, Finances, Five Year Plan (now Ten), Thoughts Leave a comment »One of the more important things for the coming year will be continuing to rebuild my finances.
The first – and, to some degree, the biggest – step comes at the end of this year, when I make my final payment of the bankruptcy period. Really, that’s the end of it – from there, it’s just the time to rebuild and make progress. And that’ll be the plan in 2016.
Once the payments are done with, I’ll be putting the same amount into a savings account instead. I’ve got used to it going out of the account, and it’ll be the start of a good process.
I’ve got some further ideas, but the basic outline will be to build the savings up over the year, and have a decent amount by the end of the year.
I have an idea about giving myself the ability to have some time off in 2017, and the initial stage/target of that will be to have amassed at least six months pay in savings – to be able to fund a break, if that’s what I still decide to do, once this year’s plan is completed.
In similar vein, I’m considering overpaying on my bills, adding in some padding on that score as well.
Of course, it’ll also depend on having stability this year work-wise. I know my current contract will come to an end, so there’ll be a time for getting a new one and seeing what happens from there.
But all told, right now at the start of this next year’s plans, I’m feeling pretty optimistic and positive about the whole thing.
The More Things Change, The More They Stay The Same
Posted: Wed 21 October, 2015 Filed under: 2014/15, 2015 vs 2014, D4D™, Domestic, Finances, Five Year Plan (now Ten), Getting Organised, Looking Back, Single Life, Thoughts Leave a comment »In preparation for another post (one of the usual ones for a couple of weeks’ time) I’ve been looking at things from (roughly) this time last year, and it’s been a bit odd in some ways.
There’s a distinct synchronicity between the two years, which is surprising. Last weekend, I bought some new tyres for the car – and it turns out I did the same a year ago. It also got a full service done – which I’ve just booked in again.
It’s also just under a year ago that I started doing the day-trips when I could (and/or when I wanted to) on weekends, which has continued and been pretty cool. I haven’t done one in a couple of months, mainly due to a madly busy period with no weekends ‘off’, but that doesn’t mean I won’t again.
Along the way, there’s also been a lot of good stuff.
Comparing where life was last October to this is like comparing pearls with cow shit.
October 2014 was a low point, although nowhere near my lowest. (There’s some competition for that ‘honour’, mainly September 2010, April 2012 and August 2012, although I’m sure there’s a couple of other close-runners too) At the start of it, I’d just walked out on ShitCo with nothing to go to, nothing even in the pipeline. That was a bit scary, but infinitely better than the prospect of staying working for them. I know, I still haven’t written much about that time, and probably won’t – safe to say, it was No Fun At All.
I got a new contract within two weeks though, and that was the start of the recovery process and climbing back to where I find myself now. I’m still working for the same people, and will be ’til at least the end of the year. It’s been good – and helped by being a role where I work for/by myself for four days a week. I’ve rented an office in central Milton Keynes, which works best for my schedule and environment, and keeps me vaguely sane. (Which working from home four days a week probably wouldn’t)
I’ve done a lot of rebuilding again in the last twelve months, and I’m pleased with how it’s gone.
Onwards and upwards!
Three
Posted: Thu 13 August, 2015 Filed under: 2015/16, Bankruptcy, Domestic, Finances, Five Year Plan (now Ten), Getting Organised Leave a comment »This one’s not quite on the actual anniversary of it happening – mainly because there was a small matter of D4D™’s birthday happening on the same day – but it’s close enough that it’s all good.
Anyway, it’s now three years since I was declared bankrupt, and it’s been a long old road.
I’m happy with where things are, and it’s all looking positive. There’s still a way to go – the next stage comes at the end of this year, but really from here on it’s all about rebuilding. Much the same as it has been for the last couple of years, but it’s a continuing process. Long may it continue to be so.
Into August
Posted: Wed 5 August, 2015 Filed under: Bankruptcy, Change, D4D™, Domestic, Driving, Finances, Getting Organised, Health, Introspective, Looking Back, Thoughts, Weirdness Leave a comment »Somehow, we’re into August already. The year’s racing by (as usual) and here we are. August.
August is a funny (as in ‘odd’, not as in ‘ho ho’) month for me – for some reason it’s always been rather more eventful than others. It seems to be generally a month of change for me, in ways both negative and positive.
It’s definitely the month I get twitchy about, more than any other. I’m sure that’s because my parents first pointed out what a consistently change-laden month it was (which may have also gone some way to making it a bit more self-fulfilling) but I try to not focus on it. By that, I mean that I don’t consciously go “oh, I’ll do that in August”. August just seems to happen.
As examples…
- D4D™ got started in August. Not intentionally (well obviously it got started intentionally) in August – that was just when everything came together for it to happen
- My bankruptcy was in August. Again, that’s just when it came about.
- I finally passed my driving test in August.
- I’ve had *lots* of job changes in August, contracts ending and so on.
This time round, it looks (so far) like things will be a lot calmer.
I was a bit twitchy, as my current work contract had an end date next week – and even though I was 99% sure it would extend again, there’s always that “But it’s August, and thus could bite me on the bum” nagging doubt. However, it’s been confirmed this week that it’ll extend again, through to October (which will mean I’ve been doing this one for a year) so that’s all good.
To the best of my knowledge I’ll be staying in the current house for at least another year. That’s the plan (and renewal isn’t ’til November, so not a concern) and I see no current reason to change it.
There’s currently nothing else of major import and change looking like it’ll happen. I’ve got stuff planned for the month, but nothing change-laden. All the same, during August I’ll be…
- Doing a 10Km sponsored walk for Marie Curie
- Seeing Benedict Cumberbatch in Hamlet (a happy surprise instance, brought about by a friend of a friend not being able to go)
- Possibly another London visit, or alternative Day Trip
- Sorting out (renewing) car insurance again
And there’s a bundle of other stuff as well, alongside the weekly working normality.
So with any luck, this August won’t be too eventful and change-laden. We’ll see.
Revised Plans/Targets
Posted: Thu 16 July, 2015 Filed under: Bankruptcy, Car Repairs, Domestic, Finances, Five Year Plan (now Ten), Getting Organised, Thoughts Leave a comment »One of the things that came to my attention last week with the car being sorted was with regard to my finances.
Now, this year is the first one where things have (so far) gone OK, and I’m pleased with where things are in general.
However, looking at what I’ve managed to do this year, I did feel I had done less well than I could’ve done. I’ve saved less than was perhaps possible or ideal – although still far, far better than I also could’ve done, or have done in previous times – but I do also know that there’ve been things I’ve bought and done this year that took some of that money away from being saved etc.
From here on, though, it’s going to be a bit different. I still plan to be able to do what I want when I want, but I’ll also be bunging a but more into savings as well.
I’m doing a full spending-diary at the moment, because I want to know where it all goes, and what it goes on. I’ve already been monitoring my monthly outgoings, and have a far better picture of them now than I used to – and have also been able to reduce a couple of things on there, plus a couple more will be dropping in the next month or so, come renewals time.
So that’s where things are.
The end of this year is the next big change, when I’m done with the repayments plan that’s been in place the last two and a bit years. When I’m done with that, the same monthly amount will be going direct into savings. It’s money I haven’t actually missed (well I have, but I’ve done without it just fine) so it can carry on going elsewhere, but to my benefit instead.
So yes, a way to go yet, but everything so far is at least in a positive direction…
Back on the Road
Posted: Sun 12 July, 2015 Filed under: Car Repairs, Customer Services, Domestic, Finances, Getting Organised, Milton Keynes Leave a comment »Following on from last week’s fun, I can confirm that the Saab is back on the road and (so far) sounding and running OK.
It’s done a couple of decent(ish) runs, although for the moment it hasn’t had my semi-traditional post-serious-work run down to Devon and back. (Yet)
It’s not been cheap, but I’m happy with the decisions and work. Of course, that might change if the damned thing goes ker-fut again tomorrow, but for now I’m happy with how it’s all gone.
A Very Good Deal
Posted: Sun 3 May, 2015 Filed under: 1BEM, Customer Services, Domestic, Finances, Getting Organised, Shopping, Weirdness Leave a comment »Over the weekend, my toaster finally died. (You can tell this one’s going to be interesting, can’t you?) It’s done fairly well, daily service for three years, if not more. Over Easter it had started playing up, but then on Saturday it gave up completely.
So – off to the retail superstore of gloom. (It’s closest, I couldn’t be arsed with faffing about too much, and I had some vouchers to use up)
I had a look, and decided on this one, mainly because it’s purple – I’m shallow like that – and because it was £10 off the marked price, so £40 instead of £50. Fair enough.
But when I got to the tills, it scanned at … hang on … £19? OK, I’ll check it with the customer services, but that’ll do.
As it was, I also had a number of vouchers (all in “You would’ve saved £x at a different store, so here’s the difference” price-match vouchers) that came to £25. So I effectively ended up with Tesco paying me £6 for my new toaster…
I don’t know quite how it all worked out like that, but I’m not going to complain.
[Additional] : When I went to customer services to check, in case a) the price was wrong or b) their system was wrong, I waited ages to be seen and then the person involved said “Oh, for electrical enquiries you’ve got to go back upstairs and ask them“. To which my thought response was “Fuck that, if you can’t be arsed to check it, I can’t be arsed to report it any further“.
So – a nice new toaster for the princely sum of minus six pounds. I can live with that.
Too Long
Posted: Mon 23 March, 2015 Filed under: Domestic, Finances, Getting Organised, Thoughts, Travel Leave a comment »While writing stuff last week, and looking back through D4D™, I realised it’s now very nearly seven years since I was last in Ireland.
That’s too long – I feel the need to return.
Something else to organise as a break for this year, then…
Flat (Again)
Posted: Fri 20 March, 2015 Filed under: 2015 vs 2014, Cynicism, Depression, Domestic, Finances, Health, SAD, Thoughts Leave a comment »It’s all been a bit quiet chez D4D™ – but I’m OK. The Bronchitis is pretty much gone, bar the odd cough – so that’s good.
I do still feel quite drained and flattened by it all, though – and I think that’s what’s finally coming through this week. I have to keep remembering that it’s only ten days since I finished the antibiotics, and that I’m still fighting off the remnants.
While this year’s been pretty good so far – and how the chuff are we nearly in April, for goodness’ sake? – it’s also been pretty manically busy with work and life, and I suspect that’s having a knock-on effect as well.
Basically, I’m tired, demotivated and just a bit flat. I really can’t be arsed – particularly with work. I’m still plodding through, but it’s an effort. Sleep is always an issue with me, but I am beginning to wonder if depression isn’t rearing it’s ugly head.
I don’t think it’s depression – but then, that’s what people say when they’re depressed. It’s not at vicious levels or anything, but I’m aware that I’m just all a bit Meh. Herself used to note that I was OK in Winter because I know I get hit by SAD , and so prepare myself for it – which means I’m less affected by it. However, then Spring comes along with longer days and more sunlight, and I relax, expecting to be doing better, and get sledgehammered by depression again when I’m not prepared for it instead. I don’t know if that’s valid – but it’s something that’s been bouncing round my head a bit this month.
I’m going to see how things go though. The current work situation only has three weeks left to run, at which point I’ve booked a break anyway. (Up to Edinburgh for a very chilled long weekend) Then we’ll see how things progress from there, I think.
At worst, at least I’m aware and conscious of it all, and will deal with it if necessary. At best, it’ll ease up once the current work stuff is dealt with, and things can progress again from there.
At the same time, I’m aware that I’m in a pretty decent situation and life is looking up, so maybe I’m more just worrying about stuff, waiting for the other shoe to drop.
Time (as always) will tell.
Televisual
Posted: Wed 11 March, 2015 Filed under: Domestic, Finances, Getting Organised, Technology, Television, Thoughts Leave a comment »A couple of months back, I damaged my TV. Nothing major – the cats were being arseholes. I chucked a cat-toy near them, and hit the screen, resulting in a broken line of pixels, and a broken bit of display crystal so it had a bit of a blob. (Think how an LCD-display watch used to look when it broke/cracked, and you’ve got it)
It’s been a minor irritation since – not even big enough to be an annoyance, just every so often the line of pixels would flicker white and be noticeable, or the broken bit of display would be more noticeable with the rest of the screen (depending on what was on it at the time) and it was getting worse.
So anyway, this week I finally decided to replace it – and I’ve done so. It’s a bigger unit than the previous one – 32″ from the 24″ I had – which is a significant increase of screen size, that I hadn’t quite catered for in my head. It still fits in fine, and doesn’t dominate the room the way I find lots of the really big ones do, but I think it’s at the upper limit.
What really surprises me – although it shouldn’t – is the difference in prices and screen sizes to fifteen or twenty years ago.
Twenty years ago, when I bought my own first new TV, it was the same screen size as the one now – but it was a massive beast, needing two people to lift it safely, and cost me about £800. It was a serious unit, to say the least.
Now, the same screen size – and I know, it’s an LCD/LED rather than a CRT display, which makes a massive difference – is easily carriable by me, and cost maybe a third of what that old Sony one did. Even the image quality is markedly improved. It’s quite remarkable, the way progress and changes in technology have come on in that time period. Food for thought, of what we might have in the next twenty years…
Change is Gonna Come
Posted: Mon 16 February, 2015 Filed under: 1BEM, Customer Services, Cynicism, Domestic, Finances, Getting Organised, nPower, Utilities Leave a comment »As per comments on the previous post about my asshole energy suppliers, I will definitely be looking at changing them this year.
However, because of the ongoing billing fuckups, right now I have no decent figures for comparison purposes. I’m sure I’m not getting a good deal from the cockwhistles at nPower, but I don’t actually know for sure how bad the deal is. I haven’t had a clear and accurate bill in nearly three years – which makes figuring anything else out into quite a struggle.
As always, I don’t see the point in changing anything until I know I’m getting a better deal – so for now I’ll be keeping things with nPower.
However, that’s only for the next couple of months, during which time I’ll be keeping an eye on actual usage and what I’m paying. Once I’ve had the next bill, and know more about the usage and expectations, I’ll be able to make a far better estimation of what I’m spending versus what I could/should be spending.
And from that point, I’ll then have to decide whether I’m going to stick with [current location] for at least another year’s tenancy. If I am, and there’s a good offer around, I’ll swap. Until then, it’s going to be about making sure I’ve got the figures to back up the decision one way or t’other…
Energy Madness
Posted: Sat 14 February, 2015 Filed under: 1BEM, Customer Services, Domestic, Finances, nPower, Stupidity, Thoughts, Utilities, Weirdness 2 Comments »Since moving to the new (current) place, I’ve had an ongoing (and too depressing for words) set of issues and disputes with nPower. These have included, but not limited to
- Not having the correct name on the account for eighteen months, despite repeated requests to change it
- Losing documentary proof (including my tenancy agreement) of my address. Originals were insisted upon, sent recorded delivery, signed for, and then lost. Hard to place blame anywhere except nPower
- Billing issues – my bills went up, down, sideways, and every way except correctly
- Misrepresentation – sending a meter reader into my house under the guise of being someone to do ‘legal gas meter checks’. (This was also while the bill/account was in the wrong name, so there was also some issues legally around that)
- A meter reading done by a representative of nPower, who then managed to register that reading to a completely different address, and denied ever having done one for this house. (Despite his having done readings/visits recorded to every other house in my block at the same time)
So it’s fair to say that I regard nPower as incompetent useless dickwhistles at the best of times.
Today, though, has taken it to a whole new level.
Things have settled down somewhat, and on Tuesday I gave them a meter reading directly through the website. At that point, my account was £1.62 in credit. Happy day, all well and good.
Today I logged in for a quick check. £595.82 in credit. Um, what? So I look, and it’s got four cancelled bills, adding up to the amount in credit. Four bills I’ve received, and paid. Now cancelled. File under “Fuck, What The”
So I gave them a call. The first incompetent managed to put the phone down on me. So I called back, and finally got through to one of the (few) efficient and competent individuals who work at nPower. (I’m quite sure she won’t last long, having been actually pleasant and competent)
It turns out that – once in receipt of a valid meter reading – nPower cancel out all the estimated bills back to the previous correct reading. They then recalculate all those bills with the correct figures (although technically they must still be estimates of what was used, averaging out the figures over the number of bills) to bring everything back up to date. So for however far back, the bills get cancelled – despite having been printed, posted and paid – and then recreated. Then I’ll know what I need to pay to be up to date.
Except of course that they’ve also got to send out all those new bills. So next week I’m going to get five bills from nPower – the four reconstructed ones – as well as the one to bring me up to date.
Now, I realise that this is something that’s required by the energy regulator – but does it strike anyone else as a completely fucking barking way to run a business?
Service Reward
Posted: Fri 30 January, 2015 Filed under: Commuting, Cynicism, Domestic, Driving, Finances Leave a comment »As I said last week, the Slab passed its MOT with flying colours. So I decided to give it a treat – as well as the service it was due for, I sorted out a couple of things that’ve been annoying, and all is good.
Since I got it – and obviously before that too – one of the information displays has been pretty dodgy. It’s an old-type thing with a dot-matrix screen, and there were obviously some borked connections, so it never displayed the entire screen at all. Depending on any number of random factors, it could be 75% working or 25%. It didn’t affect the functionality of the car, but it got annoying on occasion.
Anyway, with having had to spend Not Much (actually, nigh-on Sod All) for the MOT, I asked about getting a replacement (or in this case, reconditioned) display module. I’d thought about it before, but didn’t bother at the time.
The service was done yesterday, along with the new display module, and replacement of various fluids that were OK-ish, but got flagged up as “could do with being replaced”. (Brake fluid and the like)
The display now is ace – indeed, it’s taking me some time to get used to it being as bright and clear as it is. The service had a couple of small bits that also needed doing, but it’s been worthwhile, and still Not Much for a car as comparatively old as the Slab.
Of course, with new bits and now it’s all sorted and taxed for the next year, something major is sure to go wrong with it in the coming month or so. That’s just the way these things go…
MOT – Passed
Posted: Tue 20 January, 2015 Filed under: Domestic, Driving, Finances, Getting Organised, Travel Leave a comment »The car passed it MOT with no problem at all. Needless to say, I am very happy with this news.
I had been getting a bit stressed about it, as I hadn’t heard anything from the garage by 4pm. In fairness, they’re normally pretty good about letting me know if something’s going to be expensive, so I knew it was likely to be OK – but all the same, it was a bit worrying.
Anyway, I called them just after 4, to find out what was happening. And all was well – it was just that the garage had forgotten to call me. Bit annoying, but far better than “Oh yeah, we had to do a load of work, here’s the bill”
As it turned out, it passed with flying colours. One advisory (an out-of-balance parking brake, of all things) and that’s it. I’m quite surprised by this – it’s a Y-reg with 125,000 on the clock, after all – but pleased. And considerably better off than I was expecting…
MOT
Posted: Tue 20 January, 2015 Filed under: Domestic, Driving, Finances Leave a comment »Among other things today, the car’s getting its MOT done.
I’m hoping that it won’t need much. I’ve already sorted most of the known issues already, including new tyres, new wiper-blades, and a replaced headlamp bulb a couple of weeks back. Of course, the inverse of that is that anything that does need doing is likely to be expensive.
Still, we’ll see. But for now, fingers crossed.
January
Posted: Tue 13 January, 2015 Filed under: Domestic, Driving, Festering Season, Finances, Getting Organised, Thoughts Leave a comment »Financially, January for me is always a bit of an odd one – mainly through being slightly disorganised, but slightly through the whole ‘working as a contractor’ thing.
For a number of reasons, January has a number of extra expenses in it that are a pain in the arse. High among those extras is the car MOT/service, and car-tax/road-tax renewal, which come in as well as the usual monthly bills. Additionally, a couple of utility bills come in within that time as well – quarterly billing being the shit-head bastard it is – which also adds to it.
And of course December is always a short month (i.e. I don’t work the full month, because it’s got a bundle of Bank Holidays and so on around the Festering Season) so unless I work the bit between Christmas and New Year, it all becomes a bit tight anyway.
All combines, it just makes January a bit interesting. Doable, but interesting.
The car MOT is booked in for this time next week. I’ve already had to buy two new tyres – I know they’re borderline OK, but that means it’s time to replace them, I’m not risking an MOT fail and having to buy them from the garage! – and also a new headlight bulb, as that went while I was driving last week.
So yeah, it’s all a bit interesting, but still fine and dandy. Life could be worse, frankly.
Travel Costs
Posted: Fri 26 December, 2014 Filed under: 2014/15, Domestic, Driving, Finances, Getting Organised, Public Transport, Travel, Writing Leave a comment »Currently, I’m in a dilemma about a bit of travelling I’m doing in April. (See, told you I was feeling all organised)
Come the end of the next contract in mid-April, I’m treating myself to a weekend up in Edinburgh. It’s not a proper ‘holiday’ as such – but it’s a break, and it’s something I want to do. I haven’t been up there since the days pre-D4D™ and I want to go back.
The dilemma is about the method of travel. Looking on Google Maps, it’s about a six hour drive – on a good day, with no jams etc. A Friday afternoon/evening is not going to be a good day. So I’ve also looked at train times/costs – and they actually pretty much balance out.
The full journey will be pretty much two refills of the fuel tank, which’ll be around the £65 mark each time. The train, looking at current prices, will be £120. It’s close enough in price to make no real difference – even less so when I also factor in car-park costs – and the timing is much the same for a direct run.
I haven’t done a long train journey in ages – really not since doing the regular run between Manchester and Bracknell – so it’s pretty tempting. Plus it’ll give me the opportunity to look out the window and appreciate the views without the hassles of driving – and perhaps even the chance to write more.
It’s just that whole “Paying the train company to do it”. I don’t know why it’s an issue in my head, but it is. I’ll figure it out and make a decision, it’s just annoying at the moment.
Crunch-free
Posted: Wed 24 December, 2014 Filed under: D4D™, Domestic, Driving, Finances Leave a comment »Looking back over the years at D4D™, I’ve just realised that it’s now five years since that accident I had while driving in Norfolk.
That means that – assuming I don’t do anything dumb in the meantime – my premiums should drop significantly next time I go through the car insurance renewal.
It’s also quite surprising to see how much has happened – and how much has changed – in that five years.
Doesn’t time fly when you’re having fun…
Getting Prepared
Posted: Mon 17 November, 2014 Filed under: 2014/15, Bankruptcy, Business, Domestic, Finances Leave a comment »Over the weekend, I was talking to a couple of people, one of whom had had a couple of serious illnesses/medical issues in a short period of time.
It made me think about my own situation, and I realised (OK, I kind-of knew, but hadn’t thought about it properly) how screwed I would be if I were to be hit by long-term illness, or anything serious that required me to not be working for a while.
So I’m adding a goal to the list for the coming 12 months – have a backup plan and finances.
Ideally, I’m going to aim at having the financial backup that would cover me for at least three months of not working. I was pretty much there earlier this year, but then events conspired, and it’s back to zero. But that’s the plan. I know how much I would need, and what I need to do.
Interestingly, once I’m past 2015 it should be easier. At the moment, and for the next year, a significant portion of salary goes to payments from the bankruptcy. They come to a close at the end of 2015, and my current plan is that I’ll continue to take that money from salary, but instead of going to the Receiver, it’ll go to an ISA or secondary bank-account. I know I can do without that money, so it shouldn’t be an issue to keep on not having it.
Anyway, that’s the goal. Three months of funds, just in case the shit hits the fan.
Renewal
Posted: Sun 17 August, 2014 Filed under: Bankruptcy, Domestic, Driving, Finances, Getting Organised 4 Comments »This month is renewal month for my car insurance. Always iniquitous, this time they’re really taking the piss.
After two years with the same company, with no claims, and no need to contact them at all, they’ve *raised* my premium – and not by a small amount. For no good reason that I can see, they’re trying to charge me no less than £30 *a month* more.
Amusingly (if you find sheer profiteering cuntishness to be amusing) they’ve also quoted me via an insurance comparison website at *half* what I’m currently paying.
Needless to say, I’ll be moving. And I’m really looking forward to the call where I tell the current set of shitbags why I won’t be renewing with them.
The Devil in the Details – Lloyds
Posted: Fri 23 May, 2014 Filed under: 1BEM, Advertising, Bad Ads, Cynicism, Finances, Marketing, People, Thoughts Leave a comment »Following on from yesterday’s post about Nissan’s dodgy advertising, maths and small-print, the other ad currently incurring my ire is from Lloyds Bank, advertising their new “Club Lloyds” current account.
Now, while I think that clubbing Lloyds would be a fantastic idea, that isn’t the thing with this new account. Here’s the ad…
And again, here’s that small-print, while they’re bleating on about how great it is to have an account paying 4% interest…
Pay two separate monthly Direct Debits to earn variable tiered monthly interest. 4.0% AER (3.93% Gross) on balances between £4,000 and £5,000. Lower rates apply for lower tiers
So yep – that 4% interest ONLY applies if you keep more than £4,000 in your current account – but below £5,000. And if we look at that Club Lloyds webpage, what do we find? (I’m going to paraphrase, but you can look for yourself)
- Balances from £1 – £1,999.99 – 1% interest
- £2,000 to £3,999.99 – 2% interest
- £4,000 to £5,000 – 4% interest (and note how that band is half the size of the other two)
And right at the bottom of the explanation?
We don’t pay interest on amounts over £5,000.
Yep – no interest at all if you’ve got over the £5,000 in there.
Fuck you, Lloyds.
Location Fixation – Additional
Posted: Mon 19 May, 2014 Filed under: Bankruptcy, Cynicism, Domestic, Finances Leave a comment »Following on from the post about Location, and deciding to stay here for another 18 months, something else occurred to me – and it’s something good.
If I’ve lived here for more than three years, it’ll immensely simplify any credit applications I make – and that’ll be useful when it comes to rebuilding the credit history and so on.
As it is, things are going well on that front, and all is good. The score is infinitely better than it could be – mainly due to maintaining all the payments on all bills and so on, with no issues therein.
But being able to show a bit of locational stability for a while will be no bad thing either.
Anyway, it’s just another point that adds to the reasoning.
Two Years On
Posted: Tue 13 May, 2014 Filed under: 2011/12, 2013/14, Domestic, Finances, Getting Organised, Thoughts Leave a comment »It’s now two years (well, just over, as it was the early May Bank Holiday weekend) since I moved into the current house. That move was probably one of the most stressful ones I’ve ever done, as it all happened while my dad was in hospital with heart issues, and the move itself was done in just one day.
You know how they say that the most stressful things in life are moving house, changing jobs, and relationship breakups? Try doing all three at once, with added health concerns of a parent. It makes for an interesting weekend, it’s fair to say.
A lot has changed since then – most of it for the better. The job stayed the same ’til July last year, and then I’ve been back on the contracting side and done a fair variety in the remaining time. Finances have improved beyond measure – at least relatively speaking – along with my own health, sanity and stability.
Dad’s fine too, still with us, and far healthier than he was.
Two years ago I couldn’t see this far, couldn’t see the light that was beginning to glimmer at the end of the tunnel. I’m not yet out of the tunnel completely, but that light is all too visible now, and I know things are well on their way.
Mislaid
Posted: Fri 28 March, 2014 Filed under: 1BEM, Domestic, Films, Finances, Getting Organised, Kindle, Reading, Stupidity Leave a comment »I am, on occasion, a bloody idiot. Last night was a prime example of that.
I went to the cinema to see the new Captain America film, and also had a meal. Because I was out like that, I took my Kindle, and because it was chiffing cold, I also took a jacket. (I’m normally pretty immune to cold, and don’t bother with jackets or coats at all)
When I got to the cinema, I put the jacket down by the side of the seat, with the Kindle in its inside pocket.
When I left the cinema, I also left the jacket – because it’s not in my mental software to get it, I completely forgot about it. I am, in short, a complete fucking idiot.
I went back this morning first thing (I had a day off anyway, for a number of reasons) to see if they’d found it, but no-one had handed it in. I’ll check again, just in case it’d been held over somewhere, but the odds are that the jacket and the Kindle are gone.
Of course, things could have been so much worse. It could’ve been an expensive coat/jacket, I could have left my wallet in the jacket as well. The Kindle could have had my payment details in it, or personal information. A couple of years ago, the loss of something like this would have knackered me, would have led to some financial juggling and so on just to replace it.
Now though, I’ve already registered it as lost, ordered a replacement, and it’s really not a big problem. It’s annoying – and of course a reminder that I’m a fucking idiot – but it all could have been so much worse. Indeed, it’s gone some way to showing me the changes that have happened over the last year or so, and in that, it’s no bad thing.
All MOTd And Done
Posted: Tue 21 January, 2014 Filed under: Domestic, Driving, Finances, Getting Organised Leave a comment »Today was the day for getting the Slab’s MOT done (for non-UK readers – MOT test is an annual test/certificate of basic vehicle roadworthiness for cars over three years old)
I already knew it needed a new front wheel bearing which needed replacing before it would pass the MOT, so I got that done as well. And that was all it needed – passed with flying colours, and all good.
The difference in driving noise now the wheel-bearing’s sorted is amazing – it’s now running almost silently. I hadn’t appreciated the change it would make, but now it’s done it’s really surprising.
This is A Very Good Thing, and has made me happy.
Cinematics 2013
Posted: Mon 30 December, 2013 Filed under: Cinema, Domestic, Finances, Seeing Films, Thoughts 2 Comments »This time last year, I wrote about the number of films I’d seen in 2012, thanks to that Cineworld Unlimited ticket.
Last year, in six months I saw 26 films.
This year, I ended up seeing 65 films – and all for the princely sum (over the year) of £192. Cineworld raised the price of the card to £16 per month – from £15 – but that still means that seeing more than one film a month means the card pays for itself. And that doesn’t include the extra discounts (now 25%) on any food/drink I happen to buy at the cinema. (not that I bother in general, but still, it’s the spirit of the thing) That’s a pretty sweet deal for someone as geeky as me.
When you work it out per film, that means I paid £2.95 per film. That’s ridiculous. Hell, I don’t even pay for parking at the Milton Keynes Xscape one – if you go during the day and pay for parking, you tear off one part of the ticket, and they refund that too.
I really don’t understand how Cineworld makes money off these tickets – except, I suppose, that it’s guaranteed income for the year. One assumes that they hope that the majority of card holders come and also pay for food/drink/popcorn (sorry, but popcorn just isn’t food) which boosts it up. It’s either that, or they hope it’s like gym membership, and people sign up for the year, then don’t come as often as they expect/plan to.
New Tyres
Posted: Sat 14 December, 2013 Filed under: Cynicism, Domestic, Driving, Finances, Getting Organised 4 Comments »Today, the Slab has had two new front tyres, from eTyres. As I’ve written previously, I’ve done a goodly number of miles on them since getting the Slab, and I’ve no idea how long they’d been on the car before I got it.
While I’ve not noticed anything particularly wrong with the previous ones, I also don’t/didn’t trust them as much as I should. There’ve been little niggling ‘well, that doesn’t feel right‘ moments that’ve felt like momentary loss of grip – particularly at very slow speeds – and my previous history of tyre loss isn’t positive, so I decided it was time to get replacements.
For those who don’t remember, so far my tyre losses have both been fairly explosive blowouts, and both times in the outside lane of a multi-carriageway road. (It turns out I didn’t write about the second one, which was in August 2012 – I must’ve had my mind on other things!) In both cases, I can certainly tell you that adrenaline is somewhat brown.
So yes, with that kind of history when it comes to tyres failing at the most inopportune moments, I figured it was best to be pre-emptive and get them changed sooner rather than later.
The Slab is a front-wheel-drive car, so for now I’ve left the back tyres alone. (Yeah, I know, they’ll be the ones to blow now) I’ll probably change them early in the new year though – and I did get the nice man from eTyres to check them, just in case they were more chuffed than I suspected.
I’ve no idea yet whether the change will make/ have made any difference, but I certainly feel happier for having had them changed.
Death of a Bankrupt
Posted: Fri 15 November, 2013 Filed under: 42-43, Bankruptcy, Depression, Domestic, Finances, News, Project 42, Thoughts Leave a comment »Since declaring myself bankrupt in August 2013, I’ve noticed it a lot more in the news. That’s not to say it’s in the news more (or even less) often, merely that I notice it, having been through that process.
So I found the story yesterday about the suicide of Paul Bhattacharjee to be very sad. From the evidence, it looks like he had been declared bankrupt, and killed himself as a result.
Of course, that wasn’t the entire cause – his widow said he was a “proud” man who had a “darkness inside him that was irreparable”.
‘The bankruptcy was the final straw after a life of major highs and lows’
From a personal side, I can absolutely understand the perceived ‘shame’ of bankruptcy – and probably more so when someone else has declared you bankrupt rather than it being a decision made by yourself. It’s had a stigma for a very long time – and again, it’s an understandable stigma. It’s about saying ‘I can’t afford to pay my debts’, and should never be treated lightly.
However, from my own experience, I don’t think it is The End. In many ways it’s a new start, as I’ve said before. There is a shame, a pain to go with the process – and I wouldn’t recommend it to anyone without knowing their entire situation, or as anything except a last resort. It is emphatically not a quick fix, or a “get out of jail free” card.
But shameful? In these days of debt, loans, finance and borrowing? I don’t know that it’s as bad as it was even fifty years ago. It’s more commonplace certainly – although at the moment it appears that personal insolvencies and bankruptcies are falling (and have been since 2009)
(That graph comes from the Insolvency service, and is copyrighted to them)
I completely understand why someone would feel the stigma and shame of being declared bankrupt and feel the need to kill themselves as a result – and probably even more so when that person also already has a history and core of depression – but in many cases it is not The End. It is the end of the stress, the pain of being chased from pillar to post by creditors, the hassles of interest, mounting charges, and juggling finances, knowing that it’ll only take one tiny change or event to push you off the edge of the cliff.
It’s not an easy process – I know I’ve no intention of ever going through it again, and (as I’ve said already) I wouldn’t recommend it to people except as a final option. It is the death of many things, of the life you know, and sometimes of the things you have. It’s a loss, and as such perhaps is a thing to grieve, to regret, to learn from.
But what it also is, though, is a relief. A new start. An ability to rebuild your life from a stable foundation, to build everything back in a better, more stable – and a debt-free – manner. It’s a struggle, but it’s also a new life, if you allow it to be.
Location, Location
Posted: Wed 30 October, 2013 Filed under: 2013/14, Domestic, Finances, Five Year Plan (now Ten), Getting Organised, Travel Leave a comment »Even though I know I’m going to be in the current place for at least another year (tenancy agreement all signed and sorted etc.) I still find myself thinking about moving on. I don’t plan to do so in the next year, but I’m thinking about it all the same.
Primarily it’s more about “Where would/do I want to be next?“, and then looking at current prices and places, just so I’ve an idea of what might work, along with what and where might be practical.
I’m not sure yet what’ll happen, and whether I’ll move on or not. Looking at the changes over the last year or two, it’s pretty much impossible to plan where I’ll be in a year’s time. For the moment I’m just doing my research, and hoping to keep my options open.
To The Ombudsman!
Posted: Mon 21 October, 2013 Filed under: 1BEM, Business, Customer Services, Cynicism, Domestic, Finances, nPower, Utilities 2 Comments »As nPower have today announced that the average joint-fuel bill will be going up by over 10% from December 1st, I’ve decided that I’m now definitely going to take my complaint to the Energy Ombudsman, and cost the fuckers some money.
Jesus christ, a 10% increase. Do they think people are made of money? Fucking hell.
I wouldn’t mind so much if there were any decent alternatives to change over to. Sadly though, they’re all as shitty as each other.
Utilities 7 – Water Meters
Posted: Mon 14 October, 2013 Filed under: Anglian Water, Customer Services, Domestic, Finances, Getting Organised, Utilities 2 Comments »[For the rest of the story, you can click here]
On Saturday, I was due to get my two water meters replaced with “Smart” meters by Anglian Water. Supposedly these transmit data, and mean they can be ‘read’ from the street, rather than needing access to the house in order to read them. It also replaces/removes the ‘outreader’ displays, which were supposed to do the same thing (or at least would if they hadn’t been installed by a moron) and which in my case were utterly screwed from the start.
Thankfully, the actual installation went OK – or at least seems to have done. The engineer turned up when he’d said he would, the work got done, he left, and there’ve been no water leaks since.
Of course, that doesn’t cover whether Anglian Water will actually manage to correctly swap the meters on my account, close the previous meters with the correct readings, or be able to read the meters correctly in future.
As I’ve recently had my half-year bill, that means this could still go on, as my next bill isn’t due ’til Feb/March 2014…
(And yes, BW, I have taken timestamped photos of the meters on installation, and also have a note in my little book about time/date/reading, just in case)
Utilities 6 – nPower Communications
Posted: Sun 13 October, 2013 Filed under: 1BEM, Customer Services, Cynicism, Domestic, Finances, nPower, Utilities 3 Comments »[For the rest of this one, click here]
Yesterday, I got a letter from nPower – addressed to the correct name, at the correct address. (This is actually noteworthy, as it hasn’t happened in the preceding eighteen months) It relates to the complaint I made about – um – the fact that they couldn’t (well, hadn’t) corrected my name and address on my account, despite repeated requests to do so.
Apparently, because they haven’t been in touch in so long since I raised the complaint, I can now speak to the Energy Ombudsman about it. (Which I threatened to do last month, when it all actually got sorted)
So. Should I do so?
After all, the complaint has actually been fixed, but it now looks as if their entire system is so broken that even though it’s been sorted – and the correctly addressed envelope proves it’s been sorted – it hasn’t been flagged on the system as sorted. Which really is pretty fucked, however you look at it.
I’m tempted to do so, and cost them some more money (apparently even registering an issue with the Ombudsman lands them with a fine) and see where it takes me…
Another Year
Posted: Mon 7 October, 2013 Filed under: 2013/14, Domestic, Finances, Five Year Plan (now Ten), Getting Organised, Thoughts Leave a comment »In a fit of being organised, I’ve already sorted out another year’s tenancy on the current house. The agreement was signed yesterday, and went in the post, so it’s all sorted.
It didn’t need to be done for another month – it actually starts on Nov 4th – but I’m far happier with knowing it’s all done and sorted.
My landlord would actually be happy with just doing the entire thing on a rolling monthly agreement, but for the time being I’m happier knowing that I’m tied in (and so is the landlord) for the year. Monthly-rolling is just a bit too easy for my liking, too easy for a landlord to say at the start of the month “Ok, here’s your notice” (and I do mean any landlord, for I don’t think mine would actually do this) and then it’s an organisational (and financial) nightmare for that month.
I used to do 12-month tenancy agreements back when I was in Manchester, and I was fine with them then, too. I had some hassle when it came to moving out mid-term (when I moved to be with Herself) but that was fair enough, and kind-of expected. Even then though, they got another tenant, so I only paid I think two month’s rent once I’d moved out. Could’ve been a lot worse. (And the rent now is significantly less than I was paying for the place in Manch, too. Mind you, the house is also about a third of the size of the Manch place)
At worst it’s something I don’t need to think about for the next twelve months. At best, it’s off my mind, so I can fill that space with other ideas and plans. I’ll be in the same place ’til at least my birthday 2014, and that’s fine with me.
Utilities Part Two – Anglian Water
Posted: Fri 20 September, 2013 Filed under: Anglian Water, Charm School, Customer Services, Domestic, Finances, Getting Organised 2 Comments »Following on from yesterday’s post about nPower’s abysmal customer service, I’ve also been dealing with Anglian Water for far too long since moving in to the new place.
It’s not been anything quite as drastic as the farce with nPower – at least Anglian got my name right from day one. It’s just they’ve never managed to get my bills right.
Part of the problem is the metering setup. For some godforsaken reason, my house (and the others in my section) all have two meters: one for the main property, one for the separate outbuilding. This seems to cause them no end of confusion – my first meter reading, they managed to put the same reading in for both meters which overcharged me on one by some sixty units! Since then, despite no end of times telling them the outbuilding one only has a washing machine in it (and is thus epically low on usage) every damn bill or reading needs to be done twice, because they don’t believe the first one. (Personally I’m not keen on what this also says about their attitude to their own meter-reading people, but we’ll leave that for now)
Compounding this has been an ongoing issue with their ‘outreaders’ – little grey boxes that (supposedly) connect to the main meter, and mean the meters can be read without the person needing to access my property. Except that
- Some twat decided that they should both be situated within the courtyard bit between house and outbuilding. Yes, the bit with no access from the outside, without going through the damn house. #slow_handclap right there.
- At no point have the outboxes read the same as the actual meters.
I’ve had Anglian out twice to have the outreaders recalibrated to the meters now, so one would hope they were working. But no…
Back in July I had a meter-reading done. It was one of the days I wasn’t working, so that was fortuitous. And then I expected a bill – it normally comes in August. Nothing. So I called them this week to find out what was happening – the last thing I want on my record right now is a “late payment” flag, particularly for a utility company.
Only they hadn’t sent a bill. As usual, the outhouse’s meter reading had tripped all their flags, so they needed to check the reading. (Done by a person, don’t forget) I said I’d do a reading that evening, and then they could sort it out. I also said I’d do both the outreader and the meter itself.
Lo and behold, the outreaders are under-reading by about ten percent. The meter on the house says 98, the outreader says 88. The one on the outbuilding says 22, the meter says 25. Yep, they’re still buggered then. Don’t get me wrong, I don’t mind their readings under-reporting by 10% – except I also don’t want hassle at some future date when someone reads the meter instead of the outreader, and suddenly I’m getting hit (again) for 50 units more than I expected.
They’re now coming out on Saturday to fit two ‘smart meters’, replacing the existing meter and outreaders. Supposedly these ones upload straight to a website, so I can monitor the usage and see if there’s a problem. Considering the issues so far with them, you can be damn sure I’ll be keeping an eye on those reading for the rest of the year!
Utilities Part One – nPower
Posted: Thu 19 September, 2013 Filed under: 1BEM, Customer Services, Domestic, Finances, Getting Organised, nPower, Utilities 2 Comments »Since moving in to the new place, one of the banes of my life have been the utility companies for the property.
nPower in particular have been stunningly shit. It’s taken them eighteen months to get the name right on the account – the letting agency notified them of the change, and they did nothing. I’ve gone through the process no less than six times, sending ID and proof of tenancy, and it all disappeared into the black hole of “Fuck-All Happening” that seems to define nPower. Even their complaints team were so bad that they didn’t even call me within the expected timescale, despite repeated requests. The best one was emailing the proof documents the fifth time, putting on ‘read receipts’ etc., and getting one back saying “The message was deleted without being read“. That was when I started getting really pissed off.
Additionally, because of ‘moving to a new system’, they managed to not send me any bills – and not be able to send bills, because gawd knows, I asked! – for a year. I then got four bills in a day – all printed on the same day, all sent out, all for different amounts. And all with one week in which to pay.
It appears to have now been sorted. I totally lost the plot, and requested that they just send me a “we can’t be arsed to fix the problem” deadlock letter so that I could take it up with the Energy Ombudsman and get them properly screwed over. Suddenly I finally got through to nPower’s one efficient person, and everything was done within twenty minutes, with her not even being able to understand why it had taken so long. I think her phrase “Well I can see that someone put the documents in the system. They just didn’t bother to do anything else with them” pretty much sums up the entire painful process with nPower.
I’m going to wait for the next bill so I can see whether they’ve finally got things right or not. I’m remaining pessimistic for the moment, but who knows, maybe miracles do happen on occasion…
Furnishing
Posted: Wed 18 September, 2013 Filed under: Bankruptcy, Domestic, Finances, Getting Organised, Shopping Leave a comment »Over the weekend, I finally got round to buying myself a new bedframe. It’s been a long time without one – basically, the one I had from previous house was too big to get up the staircase in the new place. (And by new I mean ‘the one I moved into in May 2012’)
It’s been an absolute ball-ache to find a decent bed that’s short/low enough to get up the staircase, which is one of the most awkward I’ve ever lived with – narrow, enclosed, jutty-out bits in the ceiling, steep, and with a 180° bend that needs to be negotiated with larger items. In short, it’s a bastard. And shifting a mattress up there is an exercise in swearing and sheer physical labour.
Coupled to that, crappy finances meant that investing in a new bedframe was – well – not a priority. But with new job, and all that, I thought I’d get round to doing something about it at last.
Anyway, having done some research, Ikea now do a low bed, so on Friday I went to the nearest one, and ordered it for delivery. (A downside of now having Saab instead of Mondeo – a bedframe and/or mattress won’t easily fit into a saloon car!)
Come Sunday, it finally got delivered at about 5pm. No timescales or delivery warning, just blew a Sunday waiting for it to arrive. Bastards. But it’s all assembled (one bit being a pig, due to the necessary methods not being listed in the actual instructions – cheers for that, Ikea) so onwards and upwards in this great game of life.
Scoring
Posted: Sat 7 September, 2013 Filed under: 2013/14, Bankruptcy, Domestic, Finances, Five Year Plan (now Ten), Getting Organised Leave a comment »As part of both the Five Year Plan and rebuilding post-bankruptcy, one thing that’s really useful to know is one’s credit score, as well as what records are being held, and what they say.
So I’ve signed up (briefly) to Credit Expert, the happy smiley public face of the credit-reporting/scoring agency Experian.
It’s been an interesting process so far. When I registered to look at the record, I got told I’d got an existing account. Surprising – I did use them about eight years ago while with Herself, but nothing since. So I’ve had to go through a bundle of hoops in order to resurrect the old account, on a defunct email address/domain, because ‘we can’t have two records/accounts for the same person’ (according to their customer services clowns) despite that second account having a new email, address, phone number, and details. (Indeed, it’s kind of spooky that they can make the connection at all, based on the sheer level of change that’s gone on)
Annoyingly, this ‘use your old account’ process means I can’t take advantage of their ’30-day free trial’ offer, but I can live with that, to be honest.
Still, it’s letting me check all the relevant information, and I’m quite surprised to see that things are more positive than I’d expected. I was fully braced for seeing a score down near zero, and rebuilding from there. Instead, because of the ongoing accounts I’ve held over the last year (and more) it’s sat in the “fair” bracket. Which is quite amusing, when you think about it.
There are some bits I want to check out, particularly a couple of accounts that still say there’s large amounts outstanding – despite them being part of the bankruptcy process. I’ll find out what needs doing with those, as (I think) they should be sat along with the other accounts that read “closed”, rather than “In Default”. But I’ll find all that out, and figure out what needs doing.
There’s a long way to go yet, and I have no intentions of ending up back in the same situation I was in last year. But I do want to rebuild, to know I can make use of these things should I ever have to, want to, or need to. It’s not a quick process, but these first steps have shown me that perhaps – perhaps – the process won’t be quite as slow and drawn-out as I was expecting initially.
Replacement Card
Posted: Thu 29 August, 2013 Filed under: 1BEM, Customer Services, Cynicism, Domestic, Finances Leave a comment »On Bank Holiday Monday, I went out and about, and used my debit card to get some cash out of a cashpoint (ATM, Hole-in-the-Wall, whatever) at a branch of my bank. The card slot looked a bit odd, but both machines looked the same, and I know Barclays love to piss about with how their machines work. So I thought nothing of it.
However, about twenty minutes later I walked past a different Barclays cashpoint (why they’ve got them in multiple places in the town I don’t know, but such is life – this one was in the wall of a WHSmiths) and its card slot was different, and didn’t have the bits that I’d wondered about on the ones at the branch.
As a result, I called my bank, and cancelled the card. Bit of a pain in the bits, but far less inconvenient than the potential for losing money to dirtbags and having to find it. I was expecting it to be a week before getting the replacement card – that’s about normal, and didn’t cause me any real problems – but just a pain in the bum.
Anyway, I’ve got to say I’m impressed. The card arrived yesterday morning. Two days for production, printing, whatever, and sending. I know it’s how things should work, and it’s still pretty sad to be impressed by something that’s just being done correctly, but in this one, well, all fairness to Barclays, they’ve got something right.
Year One
Posted: Fri 9 August, 2013 Filed under: 2012/13, Bankruptcy, Domestic, Finances, Thoughts 1 Comment »As of today, I’m no longer technically in bankruptcy. (Which is a weird word to type, but that’s something else entirely)
I declared myself bankrupt a year ago today, and that discharges automatically after one year, other than in exceptional circumstances. Basically, if the court decides you’ve been obstructive, or untruthful – or you’ve continued to build debt while in bankruptcy, or done anything else seriously stupid – they can extend the period of bankruptcy, but I’ve not done any of that, so it expires today.
There’s still a long way to go before it’s completely expunged from the record – another five years, in fact – but regardless, this is a milestone. (Rather than the millstone that the debts themselves were)
I’m still paying what I can afford for the next two years too. Once that’s done, it’s about rebuilding properly – for one thing, the amount I’m currently paying through the court system can go into a savings account. I haven’t missed the money, so I might as well keep paying it, but for my benefit rather than anyone else’s.
Bankruptcy isn’t an easy process, it’s not one I’d wish on anyone else. But it’s also not the great stigma on one’s character that it used to be, and while it’s not The Answer, it most certainly is An Answer.
For my own life, I’m glad I made the decision to go down this route – not that there were many other options, to be honest – because it’s allowing me to start again, to build up from those solid foundations that the last year has let me build.
Six Weeks Remaining
Posted: Fri 28 June, 2013 Filed under: Bankruptcy, Domestic, Finances Leave a comment »Six weeks from today, it’ll be the start of the next phase. Not that I’m counting or anything…
Even better, it all happens automatically, so I don’t need to do any extra paperwork, fill in forms, visit courts, or any of that crap. It just clears.
Coming close
Posted: Sat 22 June, 2013 Filed under: Bankruptcy, Change, Domestic, Finances Leave a comment »This month is probably the tightest I’ve had (now there’s a search phrase that’ll come up trumps) in the last year, when it comes to finances. The fact that it’s still manageable is – in my opinion – worthy of some note.
It’s been tight primarily due to the need to replace two techie items – as written about previously, both Laptop and Kindle have needed replacing – but I knew I could get through it. That on its own is a revelation, compared to how things were this time last year.
And sure, I could have waited to replace the Kindle – although I’m also aware of other stuff coming up next month, so such is life – but it was the decision I made, and as always I knew the consequences and what the month would be like.
I’m still ok – just – and I know there’s an extra dollop of money hitting my account on Tuesday, so it’s all pretty safe really, but it’s still made things interesting.
The development and progress from this time last year is interesting though. I’ve been able to do this without too much stress or juggling, and that shows me how things can – and will – be in future. I can do this, so long as I’m not stupid. (Well, not too stupid) The light at the end of the tunnel finally appears to be a light, rather than another train coming the other way.
Data Migration – Kindle
Posted: Mon 10 June, 2013 Filed under: Charm School, Customer Services, Domestic, Finances, Geeky, Getting Organised, Technology, Thoughts Leave a comment »By contrast to the ease of migrating data to the new laptop, resyncing a new Kindle is an absolutely shite experience.
The actual purchase/delivery of it is great – ordered on Friday, arrived today. But synchronising it is crap.
Rather than a simple “download everything” option – or even having a “download everything on this page” – you have to choose to download each eBook individually. Even on the website, it’s a list with individual controls. Not even a checkbox against each item and a ‘download all’.
Why? I’ve no idea. But it means that what should be a simple “connect this device to my Amazon account” to download everything becomes a nightmare of (in my case) roughly 1,000 mouse-clicks. That’s no exaggeration. I’ve got 260 books on my Kindle. For each one you’ve got to click on “Actions”, then “Download”, then Select the device (there’s only one device – at least fucking auto-select it!) . For each book.
It’s a truly painful and shit experience, and there’s an email going to Amazon to explain that.
More Broken
Posted: Fri 7 June, 2013 Filed under: 1BEM, Domestic, Finances, Geeky, Stupidity, Technology, Thoughts Leave a comment »It’s obviously the month for tech stuff to break.
Following on from the laptop, the iPhone battery pack, and the iPhone cable, the Kindle’s just died. (I know, I know, “That doesn’t happen with books”, blah blah) My own fault, out with friends last night, had the Kindle (in a case) in my pocket all night, and somewhere along the line it’s got squished, and the screen has cracked in the way eInk ones do, so it’s no damn use to anyone.
I *should* have left it in the car, but forgot. That’s the way of things sometimes. No idea exactly when it happened, although it was probably when five of us crammed into a taxi, which was fairly tight.
Ah well, live and learn.
Equipment Failure
Posted: Sun 2 June, 2013 Filed under: Bankruptcy, Change, Domestic, Finances, Geeky, Getting Old(er), Getting Organised, iPhone, Shopping, Technology, Thoughts, Weirdness 1 Comment »Don’t worry, this isn’t another post about the joys and pitfalls of getting older…
No, instead it’s about technology, and why the bastard stuff all ends up failing at the same time.
First of all, this post is being written on a new laptop – which I really could’ve done without having to get, but needs must when the devil drives (and/or you’re a web techie and wannabe-writer). The old Dell laptop – which it turns out I bought back in September 2009, so I shouldn’t whine so much, I guess – had been getting flakier over the last six months, but I’ve been eking out the life of it since then, suffering the occasional (and then more regular) hard-drive crash, and the ropy keyboard with some keys that only worked intermittently.
This week though it’s been crashing every time it was in use, and was obviously getting to the point where I needed to a) pull all the relevant data off it like NOW, and b) replace it with something else. And with a trip up to Manchester this week where I’m *really* going to need a reliable laptop, this was the weekend for it.
So I’ve bitten the bullet somewhat, and the new one is a (dirt-cheap) Asus thing, running the already-much-disliked Windows 8. To be fair to Windows 8, the old laptop was on the much-loathed Vista, which I never really found all that annoying. Eight annoys me more so far, but I’ll get used to it.
The other two equipment failures are both iPhone related, allbeit power-related rather than device-related. (Although I did think one of them might’ve been the phone being fucked, which was a real worry) First the Mophie battery case has failed. Again. (More accurately, the cable/charger for it, which will no longer charge) I love the Mophie cases, but they do seem to be somewhat crap, and only last about a year. And then the normal iPhone charge/sync cable also went kerfut and wouldn’t charge the phone. So I’ve had to get a new cable for that as well – considerably less expensive than the laptop purchase, but still, why all at the same time?
Oh yeah, and the fridge in the house also played up this week, with one day where it didn’t appear to be working all that well. Fortunately it’s now back up and running.
But why the hell would four things, two fairly major, all decide to kiff out within the same week? Weird things, I tell thee, weird things.
100 Remaining
Posted: Wed 1 May, 2013 Filed under: Bankruptcy, Domestic, Finances Leave a comment »From today, I have 100 days left of the official bankruptcy period. I’m two-thirds of the way through it already, which is pretty amazing.
I don’t know yet what the plans are once I’m done with it – rebuilding things slowly but surely, I guess – but from here on in I think I can at least start to figure out what comes next.
Moving Mondeo
Posted: Sat 2 March, 2013 Filed under: Domestic, Driving, Finances Leave a comment »With luck, this weekend the Mondeo will finally go.
It was supposed to go last week, had sold on eBay and all good. However, the buyer didn’t turn up (and was, I think, slightly delusional as they were expecting a broken “Spares/Repair” car to get back to Leicester) so it had to get relisted. As always, a pain in the ass.
Anyway, it’s sold again, and this time the buyer is local so I’m a bit more optimistic.
It’s made a good price – better than I expected – both times, which is reassuring.
Still, it’s another of those “end of an era” kind of things/feelings.
[UPDATED 03/03/13] : It got collected today, money paid, all great. An era comes to a close, 2,179 days (just under six years) and 130,500 miles after buying it, Mondeo is no more.
Water Works
Posted: Tue 26 February, 2013 Filed under: Bankruptcy, Customer Services, Domestic, Finances, Getting Organised Leave a comment »Today I’m working from home, waiting for Anglian Water to come and fix things.
It’s nothing major – well, it is, but it’s not like a water leak or anything. Basically, whoever installed the little grey boxes to ‘read’ the water meters (for whatever reason, this house has two) fucked it up – or the boxes are faulty – and have been reporting roughly three times the actual water use. Which, of course, I was getting billed for.
The last bill came in, and I queried the figures. Anglian had screwed up something else as well, just for chuckles, so the entire thing was nearly four times what the corrected bill is. Which is, needless to say, impressive.
Anyway, today they’re replacing both readers, and providing Anglian with correct ‘start-up’ figures, so hopefully from here things will be a lot more stable.
Needless to say, I’ll be keeping a close eye for a while on both the readers and the meters, making sure they match. And waiting for a significant refund.
Bye Mondeo, Hello Saab
Posted: Wed 6 February, 2013 Filed under: Domestic, Driving, Finances, Travel 2 Comments »So, today was the day I picked up the new (to me) car.
It’s a Saab 9-5, big beast of a thing, with just under 75,000 miles on the clock. It’s just had an MOT as part of the price, so that’s clear ’til January 2014 without any advisories, so that’s good news. It’s also cost me a lot less than the Mondeo did, which is also (for now) a good thing.
It’s now all taxed and insured, so I’m completely legitimate – I always am, and the insurance was in place before I picked the car up. The tax couldn’t be, as I didn’t have the V5 and so on, but it’s all done now.
So yeah, time to play with a new vehicle. I’ve got a Devon run next week, which will shake it down nicely. (That seems to be almost becoming a tradition, having done the same thing with Mondeo in its first week)
Hopefully this will last a good couple of years, get me through everything else without causing me issues. Time will tell, but that’s currently the hope.
Insured (At Last)
Posted: Thu 24 January, 2013 Filed under: Animals, Bankruptcy, Domestic, Finances Leave a comment »It’s taken a long time, but I’ve now finally got the cats insured.
It’s been a worry for a while, knowing that I live by a busy road, and that they can all be little arseholes who would run across in front of a car or whatever. With my current financial situation, something like heavy vet’s bills would absolutely cripple me, so the insurance is a good plan.
I’ve ended up using PetPlan, who offered a good deal, plus multi-animal discount, and a further discount due to having the latest one microchipped and registered.
We’ll see how it goes – and lord knows, I hope I never have to use it. But I’m happier with it in place, just in case I do need it sometime.
Cinematics
Posted: Sun 30 December, 2012 Filed under: Cinema, Domestic, Finances, Seeing Films Leave a comment »Looking back at the list I’ve kept it looks like I’ve seen 26 films this year, since May. Yeah, yeah, I kept a list – mainly because I wanted to make sure I was getting value for money from the Cineworld Unlimited ticket, but also because well, I’m a geek.
There’s probably a couple I saw pre-May, but all the same, 26 isn’t bad going. It’s been eight months since I joined Cineworld, at £15 a month, adding up to £120. 26 films would’ve cost me in the region of £260, which makes it pretty worthwhile.
In the course of 2012, I even had a couple of months where I didn’t go to see films – primarily July / August, when it was all really dire shite (in my opinion) with nothing I really fancied. So that total probably means that I really should get out more, just not to the cinema.
I won’t bore anyone with the list of films – I know I’ve got dire taste in films, but I like escapism.
2013’s going to be a year for more of the same, I’m sure. The ticket is worthwhile – it would’ve taken only 12 films to pay for itself, and I doubled that – so it makes sense to keep on with it. And that’s exactly what I’m going to do.
41 to 42
Posted: Mon 5 November, 2012 Filed under: Change, Domestic, Finances, Getting Organised, Thoughts Leave a comment »As usual, the road to hell is paved with good intentions and plans of things I’d like to do in the forthcoming year. So yeah, this is one of those posts. Again.
To be fair, I do get a decent(ish) lump of stuff off the list done when I post and then review a while later, but I do also have a tendency to want to do more than I actually have the time (and, more importantly, the inclination) for. But still, good intentions, and the knowledge of more personal time, we’ll see how this one goes.
Over the next year I would like to…
- Write more
- Weigh less
I might add some others along the way, but for now I think that’s enough to be going on with.
New Accounts
Posted: Mon 3 September, 2012 Filed under: Bankruptcy, Domestic, Finances 3 Comments »A big part of the bankruptcy proceedings involves having to change bank accounts, and that took a while.
I’ve moved from the RBS scumfucks (that’s a whole different story) now to Co-Operative bank, which I have to say is a major change for the better.
Changing banks isn’t an easy process at the best of times – obviously there’s a lot of necessary changes, for everything both coming in and going out, and it’s taken time to get it all sorted, but I think it’s now done.
In fairness, the process of getting the account itself sorted out was really easy. It’s just been the moving of everything that’s been a swine – the list included salary, insurances, direct debits, standing orders, bills, payees, and debit card details.
It’s another step though, and I think it’s now all done. There’s probably something I’ve forgotten, which’ll rise up to bite me in the arse, but for now I think I’ve got it sorted. We’ll see…
Changing Status – The Costs
Posted: Sun 12 August, 2012 Filed under: Bankruptcy, Domestic, Finances, Thoughts Leave a comment »Of everything to do with the bankruptcy proceedings, I think I found the worst bit to be the costs involved. Yes, if you didn’t know (and why would you unless you’ve had to do it?) it costs a significant amount of money to declare that – um – you have no money.
It costs £175 for the court fee, to get everything processed. That’s not so bad, and I can pretty much understand that one.
The other costs is a stonking £525 for costs of administrating the bankruptcy. That one I have rather more issue with.
So all told, it’s £700 to pay in order to declare that you’ve got no money.
And yes, if you’re prepared to wait and go through the process of being declared bankrupt, it’ll cost you nothing (I think) but that takes significantly longer, so if you’re fiscally stuffed anyway, you’re just going to keep on juggling for longer.
Changing Status – Getting It Done
Posted: Sat 11 August, 2012 Filed under: Bankruptcy, Domestic, Finances, Thoughts Leave a comment »Despite the bad advice from the Insolvency Service, getting the bankruptcy sorted was surprisingly painless – indeed, it was far easier than I’d been expecting it to be.
I had filled in all the paperwork before time, which obviously made life easier as well. The documents are all on the Insolvency Service website and the how-tos and advice are very useful.
Even at the wrong court, the people were really helpful. (We’ll gloss over the person from Bedford court who didn’t know the court’s postcode…) Bedford were also really understanding of the cock-up – one suspects it’s happened before – and did their utmost to get things sorted.
I’ve never actually been in a court building before – never done jury service, never done anything court-worthy (or at least never been caught) – so I was pretty nervous, it’s fair to say.
I was fully expecting to have to see the judge / magistrate, but as it turned out that wasn’t the case. I paid the fees (of which more in another post) and waited. I had to go round to the court waiting room while the usher(?) took the documents to the judge. They came back, with everything signed off – I didn’t even have to go in.
And then it was just the time to get the order typed up and processed, and that was it. Less than two hours, from entering the building to leaving it.
Changing Status
Posted: Fri 10 August, 2012 Filed under: Bankruptcy, Domestic, Finances, Thoughts | Tags: Finances 4 Comments »So, while D4D™ was celebrating turning ten , my own life was getting changed too.
I spent the morning in county court (technically two county courts, but more on that in a minute) declaring myself bankrupt. It’s a huge decision, but it’s the right decision for me. I’ve been thinking about it for a couple of months, figuring out all the options (or lack thereof) and what they meant for me.
It’s been a tough ride, this year. I’ve lost a relationship with someone I really cared about (and still miss), moved house, and changed jobs – including one contract boffing out on me and costing me quite a bit of money, although that change meant I was available for the job I’ve got now, starting with a contract and going permanent. And of course all of those changes just kept on adding kicks to the finances.
I don’t blame anyone else, or put the responsibility for it at any door other than my own. I’ve tried balancing and juggling things all year – probably longer, if I’m honest – but it’s been getting harder and harder.
Anyway, today was the day. I’d checked with the Insolvency Service which court I needed to go to (I live pretty much halfway between the Bucks and Beds county courts) and they’d said Milton Keynes. So I got there, and they said I was in the wrong one, and needed to be in Bedford. Nightmare.
Anyway, Bedford court were really impressive, and it all went really smoothly in the end. I went through the process – scarily, they’ve had over 140 others this year already- and everything was signed and typed up within two hours.
I know there’s a long way to go yet, and this is just the first step. I know it’ll take time to get properly sorted – at least a year – but this is A Good Thing.