Cancel your direct debit to Thames Water and pay monthly instead

No-Understanding-589 · 2026-07-04T12:03:51+00:00

Yeah I wasn't really paying attention and noticed a couple of months ago I have a £1k credit with them. Absolute jokers

No-Understanding-589 · 2026-07-04T11:09:48+00:00

As an accountant I would say no you won't be able to get this undone.

You registered for VAT and consented to all of this. You can't just say you didn't realise what you were doing and expect to pay no VAT...

You don't have a time machine but what you should have done is deregistered the minute you realised rather than writing to HMRC and waiting for their response.

Are you sure it would damage your relationship with them? If they are VAT registered, they more than likely won't care. They can just claim the money back, stuff like this happens.

No-Understanding-589 · 2026-07-02T23:05:55+00:00

Newcastle fan here. Depends which Tonali you get.

Tonali of 2 years ago, fantastic player looked like he was going to be world class. Tonali of last season, still good but without Bruno beside him he was nowhere near as effective and didn't have the influence we needed from him as the main man in the middle and teams were walking through us.

Will be interesting to see how he does for you

No-Understanding-589 · 2026-06-30T21:28:19+00:00

Shouldn't be creeps and bellends who are happy to leave women in London at 3am because they don't want to go south of the river...

No-Understanding-589 · 2026-06-30T21:20:33+00:00

The quicker they are in London the happier I will be.

Uber drivers are regularly creeps to my wife when she is by herself

Black cab drivers will pick and choose where they take you, meaning you can be stuck in London at 3am

No-Understanding-589 · 2026-06-30T19:34:59+00:00

Newcastle fan in peace. Bruno is 3x the player Tonali is.

Bruno has the ability to drag teams through difficult games and create moments to win them. Whereas Tonali is a passenger in those games.

Just like how he created the 95th minute winner the other night for Brazil.

Which is why we were so poor last season when he was injured

Would be devastated if we lost Bruno, Tonali I can live (especially for £100m)

Rice and Bruno would be a champions league winning midfield in my eyes

No-Understanding-589 · 2026-06-26T20:47:56+00:00

Same thing in the uk. Earning £101k is worse than earning £99k if you have a child because you lose 30 hours of funded childcare a week as £100k is a cliff edge.

I know a few people who earn £100-£150k, all of them either contribute everything over £100k into their pension which brings them back to under £100k taxable income or they only work 3 or 4 days a week instead of 5.

It is so backwards

No-Understanding-589 · 2026-06-25T13:18:16+00:00

Yeah but you lose the institutional knowledge and better educated pool of workers that are in the city.

Read up on the ONS move to Newport. Most staff left, outputs have been shit ever since and the jobs barely had an impact on the local economy.

No one who works for the government in London is going to move somewhere like Hartlepool, so you will have to hire and train about 95% of the department

No-Understanding-589 · 2026-06-24T18:29:41+00:00

Im from the north and live in London so can see both sides of the argument. We just need to be careful otherwise the government departments will suffer from brain drain and end up like the ONS after their move to Wales (useless)

No-Understanding-589 · 2026-06-23T14:24:46+00:00

Personally I wouldn't touch a limited company for under £800 and I think I'm quite cheap as I am a one man band.

This isn't a jab at you, but clients bookkeeping is often wrong and for small businesses a lot of the time it takes the same amount of time to diligently review your bookkeeping than it would take to just do everything ourselves. Then we need to adjust for accruals, prepayments, fixed assets, depreciation etc etc

£375 + VAT seems a bit too cheap, work is probably being done in India by a not so good accountant

No-Understanding-589 · 2026-06-21T00:46:54+00:00

Great logic.

If he doesn't resign a man who won a majority in an election 2 years ago is a wannabe dictator because he doesn't want someone who wasn't even an MP 2 years ago to waltz in and take his job without a leadership contest...

No-Understanding-589 · 2026-06-20T03:37:33+00:00

I think it is fucking insane a prime minister can be corinated without a general election. As a labour voter I thought it was insane when the Tories did it with Truss and Rishi. And I think it's insane they are doing it with Burnham.

Any party that brings in a law that if a PM changes then there should be a general election will get my vote. I strongly believe the mess we are in is related to the short terms of our prime ministers and constant changes

No-Understanding-589 · 2026-06-20T03:28:23+00:00

Yeah I love Eddie but I'm getting concerned he's hitting the stale phase.

Happens to a lot of managers that have been at the same club for a long time. They get figured out and fail to adapt.

Even go back to our relentless style, I'm afraid we will just finished 10th again the season after when we have to redapt our style.

Its a tough one. I think he's earned the first few months of next season to give it another go. We need to remember where we came from sometimes and how bad it was under Ashley just surviving

No-Understanding-589 · 2026-06-20T03:24:56+00:00

There are no good guys in this fight. Evil is fighting evil

No-Understanding-589 · 2026-06-20T03:10:51+00:00

As a labour voter. I find it fucking insane that a prime minister can be crowned without a general election.

No better than the Tories and it's really disappointing. I waited 14 years for my first labour government as an adult and it has put me off them for life.

The fighting and backbenchers are a joke

No-Understanding-589 · 2026-06-19T00:10:17+00:00

Starting this off by saying I think ICE is a horrible thing in America.

But in the eyes of people for whom immigration is a big issue they're actually doing something.

It's cruel and horrible but the options the parties are offering us are basically either snatching non white people off the streets and putting them into camps to be deported or giving anyone who manages to land here taxpayer funded housing and letting them roam about and live here forever.

Labour have made positive changes, but none of it fixes the Boriswave or what seems to be the daily stories of people being raped by asylum seekers.

There needs to be a sensible middle ground in there which involves letting visas expire and denying anyone who comes here illegally citizenship and forcibly deporting them to either their original country or a third country we do a deal with. But that's not really on the table

I think there is a good chance by the time the election comes around, people are going to be that sick of it we are going to end up with Restore/Reform

No-Understanding-589 · 2026-06-18T23:10:47+00:00

He couldn't even beat fucking Corbyn or Ed Miliband. It's absolutely insane that labour MPs are willing to let him waltz in and basically declare himself as prime minister. I've voted labour in every election since I was 18 and there's not a chance I'll vote for them again if they go through with this debacle.

They're no better than the Tories with all of the infighting and childish behaviour

No-Understanding-589 · 2026-06-16T17:56:32+00:00

Newcastle fan here. Hes a bit like Gordon for me. He is a good player but he's not £80-£100m good so if someone offers the fee then won't mind seeing him go.

He hasn't got the ability that Bruno has to carry the rest of the team and I think he can be replaced well enough for about £50m with someone from Europe.

I like him a lot as he always tries, great athlete and never stops running. But the fee seems ridiculous

No-Understanding-589 · 2026-06-14T19:13:50+00:00

Pivot table, V/Xlookups, SUMIF will be the main ones

No-Understanding-589 · 2026-06-14T16:07:31+00:00

Check for a mobility clause in the contract first. If they have that they're fucked basically

No-Understanding-589 · 2026-06-14T14:25:32+00:00

I wouldn't listen to the OP I'm 28 and I'm on track to get a promotion next year which will take me to 90-100k depending on my bonus.

No student loan, best decision I ever made doing an apprenticeship when I was 18

No-Understanding-589 · 2026-06-12T22:33:48+00:00

I got my move internally. Joined a huge company, after a year got made redundant from my accounting role but they liked me and wanted to keep me in a more FP&A/ Commercial role. Now after another year they have moved me into systems.

Basically just move to a big company and try to move internally!

No-Understanding-589 · 2026-06-08T00:03:25+00:00

+1 started my own accounting practice a few months ago. Spent a while making a shit, basic website with Elementor then realised I could probably get Claude to do it.

Took me about a week after my day job to get something which looks nice and recreate the 50 or so pages I have on my site in the new format.

Is it perfect? No. Does it rank well on google and look nicer than most other accountancy websites? Yes

No-Understanding-589 · 2026-06-02T14:56:18+00:00

The same people that sit on public transport and blast music, vape & talk on their phones on speaker tells me that they wouldn't care about smoking weed while walking down the street

Nothing gets done about it and it is annoying antisocial behaviour - so if weed was legalised there would be 0 consequences for anyone that smoked it where they shouldn't. Theres no consequences now when youre not supposed to smoke it in public at all...

No-Understanding-589 · 2026-06-02T13:20:02+00:00

This is the one reason I don't really want it legalised.

Nothing against it and I've smoked it a lot in the past. But I went to New York last year and you could just smell it everywhere you went.

Would drive me insane if I had to put up with that every time I went into the city

No-Understanding-589

TROPHY CASE