Organising
Posted: Sat 18 January, 2020 Filed under: 2019/20, Business, Change, Domestic, Finances, Five Year Plan (now Ten), Getting Organised Leave a comment »Among all the usual stuff, I’ve spent some time this month getting things a bit more organised, and kicking off things that had slipped last year.
So in the last two weeks, I’ve…
- Moved/merged my credit-card crap onto one interest-free balance-transfer card.
It’s not a huge amount, and not something I’m worried about, but it’s good to have it in one place and no interest for the next two years. - Started playing hunt-the-pensions, seeing if I can find them and merge them into one fund, so I know where the hell things stand.
I’m not expecting much, but again, it’ll be good to know - Started sorting a new will, as the last one was done while I was still with Herself. So yeah, that *really* needs to be sorted
- Booked in cat-sitting people for all the stuff I’ve currently got lined up (which is more than it should be, but less than it could’ve been)
- Actually also done less – in each of the three weekends so far, I’ve had a day of doing very very little, as per the plan for this year. I don’t know if that’ll keep on happening (in some ways I’m finding it more exhausting than being busy, but I’ll write about that another time) but so far it’s worked out
- Completed another project outside of my usual work, which has already made me more productive than last year
- Oh, and visited my first Michelin-starred restaurant of the year as well (and it was bloody excellent)
It’s been interesting, and eventful – and it’s good to have some of that stuff checked off the list already
CostCluster
Posted: Fri 20 December, 2019 Filed under: Car Repairs, Domestic, Finances, Getting Organised, Thoughts Leave a comment »Have you ever noticed, there are some times where things all just decide to cost money all at once? And it’s usual at the most inconvenient times…
The last ten days have been a pretty good example of that. Since last Wednesday…
- The car had a front tyre blow out , so has needed a replacement tyre.
- The clutch on the car also started playing up, so has needed to be replaced.
Admittedly, it wasn’t yet completely stuffed, but you could feel it was well on the way, and I’d rather not be stuffed by that over the Festering Season - In the kitchen, the steamer I use most days died (tripping the circuit breaker along the way) and needed replacing
- And one of my smoke alarms also started doing the beep-of-battery-death. And of course it’s a non-replaceable battery (not my choice, but that of my landlord) so that’ll need replacing
On top of that, all the usual stuff for the Festering Season and so on, and it means it’s been an expensive month…
Annual Car Costs
Posted: Fri 4 October, 2019 Filed under: Domestic, Driving, Finances, Getting Organised, Thoughts Leave a comment »The start of October is expensive when it comes to the car, because it’s the anniversary of when I bought it.
So first there’s the renewal of the vehicle tax, although happily that’s not a big expense at £30 for the year.
Then there’s the insurance renewal, which is always a fun dose of bureaucracy and weirdness. And at least that one is an expense that’s spread through the year – I could do it in one payment, but find I usually can’t be bothered.
And then of course there’s the MoT test. Never fun – even if it passes with no problem, you’ve still spent time beforehand worrying about what’ll happen, and figuring out as many of the financial permutations as possible.
Last year, it passed the MoT OK, with just a couple of advisories – although one of those was about the brakes needing attention next year. So I knew that was going to come up, as well as the MoT and a service – which makes it all already Not Cheap.
Luckily though, that was it. I got one small advisory for this year, but absolutely nothing else to worry about. I suspect the clutch is likely to die sometime this year (although I said that last year too) which’ll be an expense at some point.
But for now, it’s all sorted, and my wallet isn’t as light as it could’ve been, so I’ll take that as a positive…
Reinsuring
Posted: Wed 25 September, 2019 Filed under: Advertising, Brands, Change, Customer Services, Cynicism, Domestic, Driving, Finances, I Don't Understand, Insurance, People, Weirdness Leave a comment »The world of Car Insurance is very, very strange. I truly don’t understand how it all works.
My car insurance is due for renewal in October, so I recently received the renewal gubbins from my current insurer. They’ve put my insurance up by £60 for the year. Bear in mind, I’ve not even spoken to them all year, let alone made a claim, and I’ve now got another year’s no claims discount as well. And yet it’s gone up.
So I shopped around, doing the usual comparison website thing (Meerkats rather than opera singers) and got one that’s actually £120 cheaper than what I was being offered by the current insurer – and with slightly better cover.
Brilliant, I’ll sign up and do that. Job done. And this is where it all gets weird(er)
My new insurer is actually one I used a couple of years ago. So when I log in to their ‘self-service portal’ to see my new policy, all I can see is the details of the old one. Fuck sake. (It looks like the policy is actually tied to a combination of my username and password – so I can change password, and now view the new details instead – but I didn’t know that at the time)
So first things first, I call my current insurer to tell them I won’t be renewing with them. It’s the usual automatic phone gubbins, and gives the name of the insurance provider – let’s call them ABC Insurers, for the sake of argument. I give the correct information, go through, tell them I won’t be renewing, explain why, and it’s as easy as that.
Then I call the new insurers. Who are also using ABC Insurers. So I go through the correct information for the new insurance, get things sorted, get the documents emailed to me, and it’s as easy as that.
But it’s weird – I’ve used two different companies (well, two different front-ends) and given them the same information (obviously) but one faction is offering me a significantly better deal than both the one I’m on, and the renewal quote from the one I’m on. But they’re both the same company underneath!
How the fuck does that make sense? Offering the same person two completely different prices (and slightly different packages/benefits) Why not allow my current insurer to offer the same price as my new one? It’s all just a bit bizarre.
Anniversal
Posted: Tue 13 August, 2019 Filed under: 2018/19, Bankruptcy, Customer Services, Cynicism, Domestic, Finances, Five Year Plan (now Ten), Getting Organised, Rebuilding, Thoughts 3 Comments »Having gone through the six years of the bankruptcy process (as I’ve written about many times in that period) today marks a year since that process completed. Time flies, and all that rot.
It’s the final real anniversary of any significance though – even though it came off my record a year ago, most of the banks work on a “Six years plus one” basis (fuck only knows why, but that’s their choice) when it comes to ‘full’ current accounts and the like.
So that’s where we are now – the full “six years plus one” is complete.
It shouldn’t affect things much – it would be nice to have a ‘full’ account with overdraft facility and so on , but only because that’s another thing that is good to have. I’ve done fine over the last seven years with no overdraft and never needing one, and I don’t see any reason why that would change now.
However, it does mean I’ll almost certainly move away from my current bank’s offering, purely because they were lying dicks about it all the way through the process. Once I’d gone through the first year where I was officially bankrupt, I was fine to have a basic current account. When I got it, I was totally honest with the bank, and they said I could try to apply for an upgrade to a ‘full’ current account on a regular basis (every six months or so) and see how I did.
It was only after three years that anyone mentioned that they wouldn’t give me an account until the “six years plus one” – ‘but it’s not that we have a policy, sir, it’s just that’s how it works, we won’t do it before then‘ – and so had basically lied and wasted my time for all those reviews. That did cost them money in the end – a complaint went all the way to the Financial Ombudsman, who found in my favour. (The rule in this case is keep a record of all paperwork and appointments, so you can show a history of wasted time, and stuff that you wouldn’t have done if they’d been honest and said to not bother for seven years!)
So yes, I’ll probably change banks for the current account – I’m not yet sure who to, but we’ll see what happens.
But the most important thing really is that now, seven years on, there’s nothing else keeping me back.
Disconnecting
Posted: Fri 12 July, 2019 Filed under: Bankruptcy, Customer Services, Cynicism, Domestic, Finances, Getting Organised, Rebuilding 1 Comment »As part of the whole bankruptcy process (now well and truly complete, of course) I’ve been using a couple of free services to keep track of my credit score. It’s been useful to know what’s going on, and where things stand.
I primarily use ClearScore (who use data from Equifax) and CreditKarma – who used to be Noddle – and use data from Transunion (which used to be Legatio)
Part of the reports from both of those (and from Experian, whose ‘free’ service is an absolute dumpster fire, and absolutely refuses to allow me to view my own data) involves past addresses, and people with whom one has had a credit connection – things like a shared mortgage, or whatever.
Looking through the CreditKarma stuff in particular, I noticed that they still have a record of my old addresses going right back to Bracknell – bearing in mind, I moved there back in early 2005… It also still had me linked to Herself for the mortgage we had back on the Norfolk place (which must’ve been 2007/8, if not earlier)
So, I asked them about why this stuff was still on there – bearing in mind, credit stuff is supposed to stay on one’s record for six years and then go – and got a response back that was… less than encouraging. (Note, I’m going to edit some of this so it’s comprehensible without being comprehensive)
There are several reasons why TransUnion UK hold historic address information [including] something called asset reunification, which is when TransUnion UK helps clients trace the holders of lost or forgotten financial accounts, such as pensions or bank accounts. So, if you have an account associated with an old address that you don’t know about, financial institutions will be able to find you.
Another reason [we hold] old historic address information is to help organisations trace individuals who have moved without telling their creditors where their new home is (this is known as debt tracing).
For now, let me confirm that TransUnion UK holds address information indefinitely. However, they are reviewing their policy to see if a fixed upper limit can be set on how long they will keep address data for.
The “Indefinite holding” of that data is definitely a no-no. So far as I know, it’s still the case that if a company doesn’t get in touch with a debtor at all for six years, that debt is no longer viable, and is effectively written off. So historic data could be stored for (I’ll be charitable) seven years, and then get erased. I’d be OK (ish) with that, at least.
But this is information going back more than twice that time. I’ve now filed requests to lose all of that data – I’ve now been at this one address for longer than the six years usually required – and also to take away the connection to Herself. (I can’t imagine she’d be overly happy to still have that connection either) We’ll see what happens on those things.
I’m also going to refer this to the Information Commissioner, because I’m pretty sure they’ll be interested in anyone who claims to be storing personal data indefinitely…
The Joy of Tech
Posted: Fri 22 March, 2019 Filed under: Bankruptcy, Domestic, Finances, Geeky, Getting Organised, Rebuilding, Technology, Thoughts 3 Comments »Yesterday, while doing a quick shop on the way to work, I suddenly realised I’d left my wallet at home. Bugger.
I was just about prepared to take everything back to its shelves/locations, when it occurred to me that actually I was still OK – I had my phone with me still. That meant I’d got the ability to make a contactless payment – and because I’d also added the details of my Monzo card/account to the phone, it meant I had everything I needed.
It’s pretty amazing, the way these things have now become so much more mainstream than they were ten years ago, or even five. Since I got the Monzo card eighteen months ago (it’s the only one I have that also connects into my ApplePay account on the phone) I’ve stopped carrying cash except for specific occasions – for example, the car wash I use still only takes cash.
I still prefer to carry physical cards (hence usually having a wallet) but it was still interesting to realise that forgetting it is no longer the “Oh shit!” moment it used to be. (So long as I remember my phone, and that I can use it, anyway)
Ain’t progress grand?