Online Vehicle Licensing Application Aggravation

Ok this is likely to be just a rant to make my own incompetence seem a little less incompetent!

I am a wheelie, this fact is widely known, I’m also only able to function at a basic level due to extra strong medication (These are my excuses & I’m sticking to them) oh and just for good measure I’m blonde!

Being a wheelie also means that you regularly are sent copious amounts of rainforest via the DWP (after they’ve chopped down the rain forest and pressed pulp to make the rather rough feeling paper they send you with words and phrases that need deciphering like some strange & ancient language)!

These little bits of rain forest have all sorts of info that they don’t tell you will be required for a whole host of occasions. One must also ensure to keep the correct up to date version of the form and so can use the strange glyphs contained therein to action a multitude of online applications.

My current dilemma is relating to one such application. This was my 2nd attempt, the first failed due to incomplete information regarding my vehicles MOT status.

Attempt number 2 appeared to be going splendidly, despite my obvious disabilities as listed above. Upon reaching the end of the application I yet again got the red writing of doom which indicates the application was incomplete! Aaarrrghh I could swear I had given the correct information alas The Computer Said NO!

After a few choice words to myself & much searching/checking of every piece of rainforest I’d received over the past year or more. Could I find the info I thought was requested could I heck.

Only after reading one of the leaflets that accompanies a chunk of rainforest did I realise that the info I thought the online application had rejected was indeed correct!

So I decided I’d run with my consternation & try again! I’m just a glutton for punishment!

I filled out every box in exactly the same way as I had on the previous occasions yet for some reason this time there was a distinct lack of red writing! Had I completed the task? Will I receive my Gold Star, well that’s pretty unlikely as I’ve applied for a bloody tax disc.

I have absolutely no idea whatsoever in the whole wide world why this time was any different, all of the information was the same but I got to the end and got the e-mail of success.

I have absolutely no idea why I’m blogging this but maybe it’s because I’m sure that I’m not the only one who suffers at the mercy of Government online application aggravation!

So don’t give up, my theory is that they design the sites to make you input the info a number of times because as with all such Government IT systems it would explode if it was successful on the first attempt!

So bear this in mind & don’t get stressed and make sure you muck up the first few times yourself then you won’t feel quite so bad!

Good luck !!!!

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Irresponsible Personal Borrowing

wheelsofpoliticalsteel

http://www.mirror.co.uk/news/uk-news/mum-benefits-left-3000-debt-2959223

I read the above with much consternation. Why on earth has she borrowed all this money?

She has 2 kids, aged 8 & 3. The 3 year old would be happy with a few 2nd hand toys & loads of cardboard boxes. The older boy only needed 1 big present which to be honest could have had a 2nd hand bike!

It’s people like this who put their kids into poverty and for what? Those kids will go without for the whole of next year.

Great presents aren’t any use if kids are starving or she can’t afford to pay electricity bill. What on earth does a 3 year old need a TV/DVD player for? It’s crazy & unnecessary. It’s all been bought on expensive credit which to me is even more stupid!

The kids will remember, eventually, and then they too will follow suit! It’s the wrong kind…

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Irresponsible Personal Borrowing

http://www.mirror.co.uk/news/uk-news/mum-benefits-left-3000-debt-2959223

I read the above with much consternation. Why on earth has she borrowed all this money?

She has 2 kids, aged 8 & 3. The 3 year old would be happy with a few 2nd hand toys & loads of cardboard boxes. The older boy only needed 1 big present which to be honest could have had a 2nd hand bike!

It’s people like this who put their kids into poverty and for what? Those kids will go without for the whole of next year.

Great presents aren’t any use if kids are starving or she can’t afford to pay electricity bill. What on earth does a 3 year old need a TV/DVD player for? It’s crazy & unnecessary. It’s all been bought on expensive credit which to me is even more stupid!

The kids will remember, eventually, and then they too will follow suit! It’s the wrong kind of example and she isn’t giving the children the correct life lessons to aid them in the future.

I know we all want our kids to have the things we didn’t but there are limits. I have 3 children there are around 4 years between each one. Christmas has always been expensive but I’d buy stuff in sales & hide it away. I still do that even though my eldest kids have left home. No body got a big expensive present at Christmas what I did was to make a bigger fuss at birthdays because it meant there was respite between each birthday to save again.

My youngest lad decided he wanted a new TV. I refused to buy one because there were decent enough ones he could access. So he saved his Christmas & Birthday money (his birthday is 10th January) and bought his own TV.

I’ve never bought “named/labelled” items of clothing. They had what I felt was appropriate & would be very smart but on a budget.

Even when there is little money you can shop around and find bargains to stow away.

This woman borrowed £1,700 knowing her whole income for the next year (or indeed more) would suffer for it! She has no idea of budgeting, no comprehension of the concept of living within within her means.

If she’d have put away a few pounds every week she could have got the bikes on e-bay or Amazon – refurbished & at half the price.

It really doesn’t make any logical sense to do what she’s done and when she’s no money for food in the coming months will she then travel to a foodbank because she has got a voucher from her social worker, GP or whomever?

I honestly understand wanting to give your kids the best BUT you give them the best you can afford not what you can borrow!

Even this year my youngest has had refurbished items which I have bought for less than half the price of new. I have to do that because he’d never get these things otherwise. I hasten to add that the items he’s got are going to be helpful to his education as he’s doing GCSE’s now.

My hubby & I don’t have money to burn and neither does this woman. £3,000 debt for one Christmas is totally irresponsible.

I’m not sure how these sorts of lenders work but from the info I have gleaned from various sources would indicate that you needn’t be in work to get a PayDay Loan. An oxymoron if ever there was one. How do you get a payday loan if your payday is based on out of work benefits?

Why are there no checks to see what level of debt you’re in already? Suppose that is easily bypassed if you apply for each of these pay day loans on the same day & thus the records wouldn’t be updated until the next day there would be no records to check.

Just as I was writing this blog I received a text:

www.justlendcash.co.uk We dont look at past credit history, as long as it is affordable for you now. Come and build a new history with us. 2 opt out reply END

I have not given my number to any of these companies so why are they contacting me unsolicited?

I’m not going to reply to the text, I have deleted it. However, with companies sending such texts & bombarding people with the offer of credit then at weaker moments some may just give in.

I thought this sort of lending was illegal as is people coming to your door offering you a loan? Maybe the Consumer Credit Act has changed?

Anyway what do you think of this lady & hundreds of thousands of others like her who have borrowed heavily & irresponsibly just to buy things their kids don’t need!

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Children’s Centres Save Money Long Term

Children and family centres facing cuts throughout the country.

wheelsofpoliticalsteel

In my local area the Council in their cost cutting escapade are about to close the children & family centres. Many may think oh well it doesn’t affect me & will go about their merry way. Well it does affect you in some way. So please give me a chance to elaborate and read on.

Children & family centres are a support system for all the family not just the kids who attend. I visited our local one today and along with the local parents group my other half has set up a meeting to discuss how the centre can be saved.

The local Labour MP was visiting and whilst he said he thought centres like the one just a few streets away from my home, were excellent & do an amazing job BUT the Labour Council has to find savings of over £2 million quid.

Personally I think this…

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Don’t let the loan sharks bite this Christmas

Have a read & don’t borrow to pay for Christmas it really is a way to fall into deeper debt. Kids may want things but if can’t afford them don’t be guilted into taking on debts to get them this years fad!

wheelsofpoliticalsteel

It’s barely 12 days to the big day in the festive calendar. Christmas is about showing & giving love to your friends & family.

We all feel the pressure to buy our loved ones the best we can afford and for many of us we will feel the pull of the Legal & Illegal Loan Sharks. They are called sharks for a reason so steer clear of them.

Here are a few ideas to give you some help or inspiration. Please forgive me if I’m a little bit too late for this year but these are tips to use all year round. My family live on a very tight budget so I’m preaching what I practice.

1) your kid needs a laptop/computer to do their school work. Don’t buy a brand new one. Visit sites like Amazon, Currys, PC World etc, don’t just look at the clearance lines but check…

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