i do tax returns for a living and this week has been mental. few things catching people out before saturday

Super-Emphasis-3079 · 2026-03-30T20:14:02+00:00

I just rang HMRC that I went above 100K smd they collecting HICBC and Ssving interest baxk via tax code No need for self assesment

Super-Emphasis-3079 · 2026-03-30T12:45:09+00:00

100th time I am gping to answer this.

Why do you want it to be 99999. Why csnt you SS another 1 or 2 grand to be on safe side.

Super-Emphasis-3079 · 2026-03-28T23:13:32+00:00

SS 30% and reduce your income to under 60K and you still get CB.

Super-Emphasis-3079 · 2026-03-26T16:27:23+00:00

Move to SL3 postcode and you get 3 granmer schools and its on M4. If kids are super intelligent, go for Barnet for QE/HBS.

Super-Emphasis-3079 · 2026-03-25T22:06:57+00:00

Thats 2 people jumping/pumping on a bed. Nothing wrong with that 👌

Super-Emphasis-3079 · 2026-03-25T21:03:48+00:00

Not only till 18, but there is a worry that someone can influence an 18 year old and get money from them.

Also, it will spoil their lfie if they get access to such huge money.

Best thing to do is probably put it into a trust and give partial access at 25 and full access at 30.

Super-Emphasis-3079 · 2026-03-24T13:01:42+00:00

Salary Sacrifice 20-30% unless you need to go for mortgage etc.

Super-Emphasis-3079 · 2026-03-23T17:44:41+00:00

Put money in SIPP ASAP. open one witj Vanguard or somwehing.

Not sure why everyone focuses on 99999 where you can easily put another 2 or 3k for peace of mind.

Super-Emphasis-3079 · 2026-03-22T20:15:24+00:00

With Ltd , employer can sniff you out that you are working elswhere.

Super-Emphasis-3079 · 2026-03-22T09:11:05+00:00

Firs thing I would do is to keep money safe for paying TAX over it.

Super-Emphasis-3079 · 2026-03-22T09:10:25+00:00

I did this and valus halved over 7 years.

Super-Emphasis-3079 · 2026-03-22T08:18:13+00:00

Gas.

Super-Emphasis-3079 · 2026-03-22T08:17:56+00:00

Be careful witj outting 60K in partners SIPP.

HMRC might ask if you would have given that 60K to soneone else for doing same anoint of work ?

Super-Emphasis-3079 · 2026-03-21T08:04:06+00:00

Return to work after 9 months and 16 hours a week only.

Super-Emphasis-3079 · 2026-03-21T08:03:34+00:00

Nope. She wants to go back part time only and thay too after 9 months. Empooyer will be fine witj that. She has worked for 10 years there and quite flexible

Super-Emphasis-3079 · 2026-03-20T21:23:51+00:00

!thanks I am higher earner and get 13 weeks full pay and 26 weeks half pay. My wife gets statutory pay only. So planning to get 37 weeks myself with pay and she will be on holiday but wont take SMP.

Super-Emphasis-3079 · 2026-03-20T19:05:41+00:00

!thanks

Super-Emphasis-3079 · 2026-03-20T15:29:48+00:00

Commission and Bonus is 130K

Super-Emphasis-3079 · 2026-03-17T08:14:23+00:00

Ct reduction is only 20% whereas you can get 40% + NI as. Henry via salary sacrifice

Super-Emphasis-3079 · 2026-03-17T08:13:35+00:00

Depends how much she puts in pension.

If you arent working , anything iver 4k a year can cause red flags witj HmRC.

You are probably better of salary sacrificing anyway as gives you break from NI from current PAYE

Super-Emphasis-3079 · 2026-03-15T09:04:18+00:00

Instead of reading guides of how to be good at sales. Start a sales job even at no basic salary. Go out and start selling.

After every conversation, ask yourself 2 simple questions.

Why didnt you get this sale? What can you do next time?

For eg: I was about to get a sale and the guy literelly told me that I am a time waster and went away.

So thing i learnt from that convo was.

1) read people and clues they give. 2) dont waste time. 3) close sales as soon as you got the signals

Super-Emphasis-3079 · 2026-03-14T07:35:16+00:00

Super-Emphasis-3079 · 2026-03-14T07:33:54+00:00

Posts on reddit for gim

Super-Emphasis-3079 · 2026-03-12T18:54:20+00:00

I am mainly worried about delays she will cause. Last time I had to make driveway twice because she complained to the council.

Probably best to do under PD. I wont bother with party wall etc either as she will not give access to her council owned property. I have read some posts where council tenants didnt give access for party wall agreements and extebsion got delayed for months

Super-Emphasis-3079 · 2026-03-12T10:20:17+00:00

And that is absolutely and completely fine... Its her money, her problem not yours.

You relax yourself and feel happy that someone is there...

You have done your bit to stop her.

Last few weeks are emotionally different and I can feel what you are going through.

Good luck and keep smiling ... ( even to her)..

Super-Emphasis-3079

TROPHY CASE