But I don't fiddle anything though, I just don't think it is worth the risk, I have enough to worry about as it is. I do however make sure I claim for everything I can justify claiming for.
I include the car in my profits too as it is essentialy a business tool so I look at it like the business pays for the car (well 80% of it) so it is great being able to offset that with the tax. If I worked 9-5 in Tesco I could not claim anything for the car.
I am not sure we got into the mess because of people fibbing I think it was more the banks faults for taking too much risk and lending too much to people when they had no means to pay it back.
I admit I have stretched myself with credit and I am now doing everything I can do reverse it before it does become a problem. I could easily just sit back and wait until I am spending £500 a month just paying loans off and I have seen that happen to quite a few people.
So my aims are to pay most of my credit card off but also pay most of my car insurance by cash in one go. I want to get to 30 being as debt free as I can possibly can.
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