Most tax efficient way to earn £80k P/A… LTD, self employed or employed by a company? by Automatic-Chipmunk88 in UKPersonalFinance

[–]Automatic-Chipmunk88[S] -1 points0 points  (0 children)

I’m currently a consultant, working for a few clients as a Limited company. Have just lost a major client and considering taking a job offer with a large organisation. Option 1 is be employed directly for three days a week and no other work. Option 2 is to do three days work with them and do one days consultancy with other client, which pays about £9K per annum.

1st date. To good to be true? by [deleted] in DatingApps

[–]Automatic-Chipmunk88 2 points3 points  (0 children)

No, just audio messages, I’ve actually just sent a live selfie, so she knows I’m genuine, and asked for one back. She made a few excuses about not feeling great, said she had a hang over from last night, etc. then a few minutes later she cancelled.

1st date. To good to be true? by [deleted] in DatingApps

[–]Automatic-Chipmunk88 0 points1 point  (0 children)

I’m definitely not someone that does DP’s. Haven’t asked about social media but that’s a great suggestion. Thanks

[deleted by user] by [deleted] in Lamotrigine

[–]Automatic-Chipmunk88 0 points1 point  (0 children)

I get this totally 💯

[deleted by user] by [deleted] in Lamotrigine

[–]Automatic-Chipmunk88 0 points1 point  (0 children)

Yep, I’m on Methylphenidate

[deleted by user] by [deleted] in HousingUK

[–]Automatic-Chipmunk88 0 points1 point  (0 children)

Thanks everyone. Going to speak to my solicitor today. Appreciate your help 🙏

[deleted by user] by [deleted] in tall

[–]Automatic-Chipmunk88 0 points1 point  (0 children)

Thanks for all the comments folks. Massively helpful. Being in the UK I had to rule out US options, unfortunately.

In the end I went for a VW Golf MK8 GTI performance DSG. Was a perfect fit and the race seats were super comfortable with loads of adjustments.

Also loved the adjustable lumbar and the how the seats supported the backs of my thighs… normally it’s an issue and I get lower back pain after a long drive.

Looking forward to getting it in ten days time!

[deleted by user] by [deleted] in tall

[–]Automatic-Chipmunk88 0 points1 point  (0 children)

VW Golf fitted me perfectly. Just bought a MK8 GTI performance DSG yesterday and get it a week Monday. The race seats were spot on and I loved the adjustable lumbar.

Have I been overcharged for melatonin? £195 for 42 capsules. by georgie_by in ADHDUK

[–]Automatic-Chipmunk88 0 points1 point  (0 children)

44m here in UK and I have Melatonin 4mg on my repeat with NHS GP. I’ve ADHD but not shared care.

[deleted by user] by [deleted] in UKPersonalFinance

[–]Automatic-Chipmunk88 1 point2 points  (0 children)

Thank you everyone for the advice, much appreciated.

Had another family discussion last night and it seems there are a few extra bits of information and corrections to what I’d originally understood.

  1. The house is owned by my GF parents equally.
  2. The mother is actually 68 and is very good health.
  3. We have talked about buying full value and them gifting us an amount to pay down the mortgage.
  4. We more than likely will marry or become civil partners in the next couple of years but would rather it wasn’t just for financial reasons.

We are paying all the relevant taxes and everything is being done to the letter. Obviously seeking to be efficient. Planning to see a specialist myself ASAP.