I'm spending my afternoon balancing the books after the christmas spend up and was just wondering how the credit crunch is affecting everyone
we managed to stay on top of things this christmas but are generally watching the pennies,
while its so cold the heating is on but when its not so cold we are trying not to use it quite so much.
I'm writing a weeks menu before I go shopping and trying to stick to just buying what we need,
I'm trying to drill into everyone to turn lights off and have replaced normal bulbs with energy saving ones.
I'm a worrier anyway but my son and I are both in retail and so is my hubbys second job so I constantly worry about if we lose our jobs.
If I were to lose my job but have a very very small card business ( last year we didn't have to pay any tax on it as it so tiny and this year although we might have to pay tax it won't be that much ) if I'm classed as self employed does that mean I wouldn't be able to claim anything ??
All this would be bad enough but its coupled with the fact that last year my hubby decided to throw a big wobble and change his job taking quite a big cut in his wages.
I hate having all this constantly in the back of my mind , I feel as though I'm not enjoying my job ( or life ) much at the moment as I'm scared of losing everything
we managed to stay on top of things this christmas but are generally watching the pennies,
while its so cold the heating is on but when its not so cold we are trying not to use it quite so much.
I'm writing a weeks menu before I go shopping and trying to stick to just buying what we need,
I'm trying to drill into everyone to turn lights off and have replaced normal bulbs with energy saving ones.
I'm a worrier anyway but my son and I are both in retail and so is my hubbys second job so I constantly worry about if we lose our jobs.
If I were to lose my job but have a very very small card business ( last year we didn't have to pay any tax on it as it so tiny and this year although we might have to pay tax it won't be that much ) if I'm classed as self employed does that mean I wouldn't be able to claim anything ??
All this would be bad enough but its coupled with the fact that last year my hubby decided to throw a big wobble and change his job taking quite a big cut in his wages.
I hate having all this constantly in the back of my mind , I feel as though I'm not enjoying my job ( or life ) much at the moment as I'm scared of losing everything
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