Tuesday, 30 April 2013

Goals- My thoughts on them

Goals-My thoughts on them
I like to think goals are part of a person’s make-up, a physical or spiritual part of them. I have had many goals in my life, and have achieved some of them, replaced them with new goals, or changed my mind about certain goals and forgotten about them because they were probably dumb thoughts of a teenager (being a travelling guitar player in Britain at 15 years old?? Ok, it may happen for some people, but as I got older I changed my mind) The point is, goals are very personal. Some of my achieved goals have been:
Find the love of my life, (my fiancé) J
Buy a house with a garage, driveway, 3 bedrooms and a back garden
Buy and restore a classic car (My purple panda parade)
Go on a holiday with my best buddy (Egypt in 2009)
Make money from Youtube ($63.00 so far!)
And a few other things which are a bit personal ;) Some of my goals I have still to achieve are:
Go to Austrailia (I had originally planned to emigrate to Austrailia, or at least spend a long time there working etc, but meeting the love of my life changed that )
Marry my fiancé (wedding is booked for August 2014)
Go to Florida USA (Hoping to do this for our honeymoon)
Go to New York City USA in winter
Go to Austria and Germany
Get a new (bigger) garage
Get new house windows
Have kids
Some of my achieved and on the list goals don’t require money to do, but you will notice that the vast majority of them do.
If I was to buy/do everything I want to do starting tomorrow, I would need somewhere in the region of £25000. If I managed to save £500 every month (which I am attempting to do) without spending any, which is very difficult, I would be able to do this in about 4 and a half years. But unfortunetly life doesn’t always work like that, sometimes you have to play the long game, and bide your time. This is very difficult to do, but recently I was talking with J Money who runs budgetsaresexy.com blog, (Its amazing, check it out!) and his advice on the question of the long game was basically to break all my goals up into chunks, and celebrate at markers along the way! It doesn’t have to be an expensive celebration, just maybe bake some cakes and have a little party, or go to the cinema or something, but breaking up the goals and celebrating markers along the way definitely will help things! So I wanted to pass that info along! But how do you guys “Play the long game”?

Wednesday, 17 April 2013

How to claim work uniform laundry tax rebate FOR FREE DON'T PAY ANY COMPANY TO DO THIS FOR YOU!!!!

I wanted to post about something which has been REALLY bugging me recently. A couple of years ago I heard about claiming back tax for laundering your work uniform, which I did (and I will tell you how to) and now there is this whole GLUT of companies offering to get you the refund and taking up to 30% of the amount rebated!!! This is so WRONG its frightening!!! Why pay a company to do this for you? These companies are preying on people who are not informed enough about this, because not enough clear information is on the internet about it. I am going to remedy that RIGHT NOW FOR FREE.

Ok, the following has to apply to you.

  • You wear a recognisable uniform that shows you've got a certain job, like a branded T-shirt or police uniform. Also, we've heard reports that even plain clothes, without a logo, that you only wear for work may count - it's worth a try.
  • Your employer requires you to wear it while you're working.
  • You have to pay to clean, repair or replace it yourself. However, you can't claim if your employer washes your kit, provides facilities to do so (even if you don't use them) or pays you for doing this maintenance.
  • You paid income tax in the year you are claiming for.
That's you? Good, time to get some money back AND have your tax code changed so that you pay less tax every year! Here is the template letter and the all important address which for some reason seems to be hidden from everyone on the internet. Copy and paste this into your word processor and post it away, and in a few weeks once HMRC have processed it you will pay a different tax code on your wages and will be recompensed either through your wages or by cheque for the amount, but this will ONLY DATE BACK THE LAST 6 YEARS.


HM Revenue & Customs
Pay As You Earn
PO Box 1970
L75 1WX

Dear HMRC,

RE: Washing Expenses
I work for -EMPLOYERS NAME- and have been employed there since -START DATE- . I am required to wash my work uniform which bears the company logo, it is given to me by employer and they do not have any washing facilities on site. I would not wear my uniform outside of work because it has my employers logo on it.

I would like to claim this expense from the above date. Your assistance is greatly appreciated.

Yours Faithfully


There FINALLY on the internet EVERYTHING you need to claim this back FOR FREE KEEPING 100% of your compensation is finally out there!!

Have fun!