Good luck, coincidence, fate, divine intervention – we all have different names for those extraordinary moments that come out of the blue, those moments that knock you off your feet because they arrive without any planning and without any prior warning, and you really do not expect them.
January in the UK is tax payment month. I visited my accountant and was horrified when she told me how much tax I had to pay – by the end of the month! I simply did not have enough money put away. The reason was that my tax liability had just notched me up enough to have to pay next year’s tax in advance! Effectively this doubled my tax liability this year.
Once I’d calmed down I telephoned the tax office and told them I could not pay. They agreed to a monthly payment over ten months, but it was still far more than I could afford, however I had no other choice, so agreed to this payment plan deciding very positively that something would happen and I would somehow find the extra money each month (almost £500 extra!).
One week later I got a letter from the accountant. They had made an error in the numbers and my tax liability was reduced by £1,000. Phew, I thought, that makes a huge difference, I’ll telephone the tax office and get the payment plan adjusted.
On the same day I contacted my electricity company because I’d had a letter requesting a meter reading as they hadn’t caught me in last time they called. I gave the lady my reading and she told me there was no recorded reading since April 2009. I know I have phoned readings through on their automated line, indeed I did one on my return from the USA last September. Anyway they didn’t have it. No problem, now they have an up to date reading. I asked if I would have a deficit on my account recognising they may have underestimated on the past few bills. She said she’d work it out, then came back telling me she had some good news. I thought that probably meant a small credit balance, how lovely!
I then nearly fell off my chair when she said my account was £2,652 in credit! I had been overpaying for two years! She said she would refund the money immediately. With the £1,000 mistake it meant I could pay my tax bill in full! So on the last day of January, the last possible day I could pay, I telephoned the tax office and gave them the good news. And I saved myself the interest they would have charged too!
So, good luck? Coincidence? Divine Providence? Fate? Am I destined to be lucky the whole of my life? I do hope so! I hope you are lucky too.
Enjoy the journey.

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