Is the student loan repayment taxed? I got same than you


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If student loans were repayed as a salary exchange/sacrifice (ie the loan repayment was deducted before tax was calculated) then you would expect to pay more tax once you'd paid off the loan.
As far as I understand it, your student loan repayment is calculated off your full pre-tax salary (or full reference salary if you have other elements of pay that use salary sacrifice) so the amount of tax you pay overall is the same with or without the student loan repayment.

I've had a quick fiddle with numbers in excel. Still getting my head round how they calculate tax (I've managed to work out NI contributions easily). But student loan is calculated on pre-tax income but is deducted after I've paid tax. My taxable income is gross - (pension + tax allowance).

Is this correct or am I making things up?

Employment

Need to find a new job because it's only a matter of time before I flip. And I suspect that the time scale may well be days, not weeks.

Sounds about right.
It depends how your employer handles things like company benefits (whether they handled by salary sacrifice for example) and that varies from employer to employer. Unless you have some big benefits like a car or something it's unlikely you'll be wildly out.

HMRC says (or used to anyway) that tax does 't have to be taxing. If you earn two tenth of a pittance and have no company benefits that's actually true... for the rest of us tax seems designed to cause headaches (and I'm pretty sure that's how governments and tax accountants like it tbh).

I have no company benefits. I have NHS pension, student loan, PAYE tax and NI contributions out of my salary. At the end of the year, I take home fractionally over half my gross income.

Spaetzle. Why have I not had them before and where can I get them in the UK. Also need to find a recipe


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Err.. aren't they the German version of noodles? Same recipe as any other noodle?

Yes to the first half, no to the second half. They use a special, more runny mixture and they use a special press (or you chop them with a knife on a board hovering over the boiling water) and drop them straight into the water.

Usually served with cheese or cheese and ham.

Try running this through Google translate:
http://www.chefkoch.de/rezepte/17293512 ... etzle.html

500g flour,
pinch of salt
6 eggs

Knead the eggs and salt one after the other into the flour and keep kneading until all the lumps have gone. The result should drop from the spoon in lumps that have difficulty breaking away from each other. Using a press or "schabe" it with a knife from a chopping board '(https://www.youtube.com/watch?v=-Y6Ga9hMm4Y).

Once it floats in the boiling water, use a sieve-ladel to scoop it out and plac it in hot water and make the next batch, repeat until finished.

Then you can use it instead of potatoes and cover it in sauce, such as gravy, or you can put it in a gratin dish and cover it with grated cheese (optionally with ham) and place it in the oven until golden.

I used a place in Essex and they charged £35.

They don't look very appealing lol

Does Fussili or Macaroni etc. look appealing on its own, with no sauce etc.

Project Binky.
Is it going to be registered as an Austin Mini or as a Celica?
Or on a Q plate?

They're certainly more appealing to my eyes than the smashed up plate of brain matter Caz posted