The first three months of my year is all about spending. It is all to do with my business transport, my van. First off is the annual fee for emergency breakdown service with the AA (Automobile Association) who offer different levels of cover. I pay the fee automatically by a direct debit but I am always wary of the fact that one year the subscription wasn’t debited from my account and I hadn’t noticed so I make sure each year that it has in fact been paid. Because the fee wasn’t paid, or taken, my membership lapsed for they thought I had cancelled. Most companies would follow-up on that you might expect but this time they didn’t. It wasn’t a problem until I needed their services and realised I wasn’t covered. I paid for the service and then had to reapply for membership. That was about twelve years ago. My next outgoing payments are the road fund license fee, the insurance and the MOT test which are all due before the end of February.
At the moment of writing this I have yet to receive the insurance proposal notification but I have already arranged payments for the road fund license and the MOT test. I have set up a direct debit to be automatically paid each year for the road fund license fee so I will no longer have to sort that out each year either by making a one-off payment through the Internet or by queuing at a Post Office. I have paid in advance using the Internet for my MOT test which the van will get on the 20th of this month. My little van is now seven years old having been first registered in March 2008 so this will be its fourth test. I hope there are no problems for that will mean more spending but if that is necessary then that is how it will be. In those seven years the van has only clocked up a mere 23,000 miles but it is usually only used for my business needs, rarely for anything else. That distance represents a rough mileage of only 3500 a year! No wonder my insurance premium is quite low! The van runs on diesel fuel and for diesel engines that mileage means it is barely ‘run-in’. With the implementation of new methods by the Government for collecting fees and the necessity for displaying tax disks mo longer necessary it makes the system far easier and robust. Payment evasion has become more difficult for those who try to avoid it. Checks are automatically carried out to ensure every vehicle that uses the roads are insured, taxed and tested were it is necessary. Police these days are equipped for checking on these things if you drive by a check point or are ‘seen’ by equipment in their vehicles. I will be a happy bunny if I get to March with no problems to sort out.