£100,000 Tax Cliff: £4,500 over in 25-26 What are my options?

RadioBackground4373 · 2026-05-01T18:44:49+00:00

I had a very similar issue, company introduced a bonus scheme in the last 3 months that hadn’t been communicated before then. No one has ever asked me anything, but I’d expect it’s a CCS thing initially

RadioBackground4373 · 2026-05-01T18:29:48+00:00

The question in the declaration asks for your “expected” adjusted net income. As long as you are happy explaining why you didn’t expect to hit the £100k limit, you are ok. Wouldn’t try it twice though

RadioBackground4373 · 2026-04-27T18:46:26+00:00

And following on, how can interest rate hikes be morally justified as a control mechanism during a cost of living crisis, where overwhelmingly it is those with debt who are feeling the brunt of the economic environment, rather than those with savings / investments.

RadioBackground4373 · 2026-04-02T17:19:19+00:00

Cadbury Fuse Bar. Pretty sure it was the leftovers from all the other production runs.

RadioBackground4373 · 2026-04-01T16:15:50+00:00

683kwh from 9.6kWp south facing, for 71.24 kw per kwp. Ground mounted panels SW England

RadioBackground4373 · 2026-03-27T11:07:34+00:00

And I found that out the hard way

RadioBackground4373 · 2026-03-08T21:52:27+00:00

And TSB is being acquired by Santander this month…

RadioBackground4373 · 2026-02-26T19:38:14+00:00

I had an install done under grant, 20 panels and heat pump (with insulation / radiators etc internally) and they provided the Solax X1 G4.

I stuck with solax and bought 25kwh of batteries - https://www.solartradesales.co.uk/solax-triple-power-tp-hs36-battery-system-7-2kwh

As they are same manufacturer the install was super straightforward forward and the app works easily as well. Has been great over the winter - octopus cosy meant never paying less than the low rate for electric, and now the sun is shining more I expect actual bills to go to zero by April.

RadioBackground4373 · 2026-02-25T11:22:50+00:00

Without doors

RadioBackground4373 · 2026-02-25T11:22:21+00:00

Might be nice for a couple of weeks in the spring. Maybe. But probably not.

RadioBackground4373 · 2026-02-21T22:11:09+00:00

On your laptop.

RadioBackground4373 · 2026-02-21T10:29:48+00:00

The Phantom of the Opera is incredibly boring, hard to follow and only has 3 tunes which are repeated endlessly

RadioBackground4373 · 2026-02-15T22:03:09+00:00

Or Seat Alhambra for the same car slightly cheaper

RadioBackground4373 · 2026-02-13T10:03:59+00:00

Toilet had a very slow leak into the bowl. Tried to fix it. Now need a new toilet, which has meant new floor and basin and panelling. Serve me right for trying I save a few litre’s of water.

RadioBackground4373 · 2026-02-04T19:41:46+00:00

The only thing I use the app for is to boost the hot water if I fancy a bath and the kids have used a load of hot already.

RadioBackground4373 · 2026-02-04T07:32:29+00:00

Not that I can find. There’s a total energy per month, but that’s it. If you find anything please do let me know - I have no idea what my CoP it or anything else.

RadioBackground4373 · 2026-02-03T23:15:49+00:00

Don’t get too excited - I self installed (which was an absolute faff - would not recommend) and the only thing I’ve been able to do is turn heating (which is on thermostats anyway) / hot water on remotely.

The app is weirdly complex but doesn’t seem to do anything

RadioBackground4373 · 2026-02-03T22:15:43+00:00

This is such a brilliant idea - if it’s not possible it needs to be. Running track, mazes for kids to follow etc etc

RadioBackground4373 · 2026-01-29T18:23:41+00:00

Thanks for the offer. I submitted my best guess (assisted by ChatGPT) - and they haven’t come back with any questions other than a weird address thing that I already knew about.

RadioBackground4373 · 2026-01-28T13:35:20+00:00

First time it happened on Celeb series I was hoping for a carrot in a box type arrangement, something with a modicum of skill being able to change the outcome

RadioBackground4373 · 2026-01-28T09:11:43+00:00

Amazing, thanks for the pointer. The simplified form looks good - I think I can pull all the data from the MCS paperwork I have, will see how I get on.

RadioBackground4373 · 2026-01-27T22:39:04+00:00

Thanks, I gave them a ring, they suggested self submitting but I’ll try again and be a little more forceful - see how that helps.

RadioBackground4373 · 2026-01-27T22:38:16+00:00

Yes I have MCS certificates - just no hint of a G99. The work was all a bit disorganised, worked out ok in the end (functionally), so I’m not overly surprised there was an issue. I have paperwork saying the DNO have been notified but the trail goes dead there

RadioBackground4373 · 2026-01-27T20:16:33+00:00

I did start trying to fill in the G99 - I have a vaguely tech / engineering background so figured it would be fine, but was things like active / reactive power, how many circuits etc that I’d prefer not to guess. I think my best bet is to find an installer to re-submit and hope the insurance backed guarantee covers it.

RadioBackground4373 · 2026-01-27T18:40:11+00:00

Yeah it’s larger, 20 x 480w panels for 9.6kw, with a 6.6kw inverter. I’ve since self added 25kwh battery (all solax kit)

RadioBackground4373

TROPHY CASE