(another brief note from plague central)
I’ve just logged on to my Personal Tax Account over at HMRC and stone me what an enlightening, frightening, misleading experience that was. The information was correct in that the Revenue recognise that I finished work at the end of January. And therefore it’s also correct in showing that I will have no earned taxable income for the 2022-2023 tax year. But there was a major blooper in their projection of my earnings for the new financial year. Anyway, a call to HMRC fixed that and hopefully we’re all squared away now.
The adults (!) in the house are currently amusing ourselves by cruising through RightMove in a semi-seriously way, and generating a list of ‘I’d live there’ properties. We’re currently shortlisting everything in Ceredigion that falls within budget. Just for the sake of amusement. Apparently. But don’t blame me if you find us living in a picturesque stone cottage in the middle of nowhere in 18 months.
I’ve been in calls with my financial advisor for a couple of days. She tells me that if I live to reach 95 years of age my investments will outlive me, even allowing for normal outgoings plus a little reckless expenditure now and then.
I was toying with the idea of going sailing on Friday or Saturday, but Arthur tells me the Deganwy forecast is for snow. If I possibly can, I plan on avoiding snow on the water. Snow… on the water. And fire in your eyes. Sorry. Bit delirious, obviously.
https://www.youtube.com/watch?v=4O79Glps-DY
Ah, but that only applies to second homes, an abhorrent practice that only contributes harm and poverty to the local population. It certainly doesn’t apply to Welsh people moving back to Wales.