These are just my favourite accounting apps and in the link to their website, which can be found by clicking the title, has no affiliate links that I benefit from. There are obviously so many accounting apps out there that will help you sort out your finances and keep you on top of your paperwork and sometimes you just have to use trial and error to find the ones you are happy with. Continue reading “My Favourite Accounting Apps”
On Monday night, we stayed up until midnight to find out what the school admissions results were for my younger daughter. She got in to the same school as my older daughter which was a huge relief. We were both prepared for a fight and had a line of action in place if things didn’t go to plan. Tuesday was therefore meant to be a day of celebration. Instead at around 7pm, the unthinkable happened. Ransomware had infected my old laptop.
Switch off the wireless
My husband saw it and immediately switched off the wireless on my old laptop which was the same advice I was given from work. I have a new laptop but I hadn’t got around to transferring everything onto my new laptop yet. There wasn’t much left but because I still had my old laptop, even though it takes ages to do something I wasn’t in a real rush to transfer everything over. Nearly all my files I save in the cloud, either on Dropbox for my personal stuff and google drive for my work stuff. It should be safe or so I thought.
Google Drive and Dropbox App
I’ve downloaded the apps so that I can save files on my laptop rather than having to keep transferring things or working off the internet all the time. Unfortunately, by the time I went to check my laptop again 2 hours later all my files on Dropbox and google drive had become corrupted. Especially because everything syncs quite quickly when the internet is on. It thought I had lost everything.
At work I have a shared drive too and I don’t know if I had corrupted anything in there too. I’m still getting over how careless I had been. I normally double check everything and I’m double cautious when opening something but I went onto a site that I trusted and I went to download a pdf file and it said that your adobe reader was out of date and you needed to update it. So, I did. Stupidly.
Recovering the files I had lost
Luckily, when I got in contact with Dropbox, they were able to rollback the files to an event that took place before the malware had infected everything. See this link for more information. All my personal files were saved. I tried to find something similar for google drive which they don’t have but everything I used seemed to have been in the bin. So again, I seemed to have recovered most of my files for work too and even in some of the shared folders. The only thing I’m sort of waiting for is how it’s going to affect my emails. Surely, that can’t be it? Or if it is, wow, thank god for cloud and for saving everything online.
Only the other day, I read an article in the Economist about cyber security which can be found here and here. It talks about how people’s attitude to it is lax and how it is quite hard anyway to be completely secure. I guess that could be why I’m still waiting for something else to happen but on the plus side, it’s also been fairly easy to retrieve everything that I thought I had lost too.
The next day, it took me until Wednesday afternoon to open even my new laptop because I was so worried. I didn’t want my brand-new laptop to be somehow infected too. I’m now trying to learn everything I can about cybersecurity. Most of the time I rely on my husband to fix it as he works in IT and so he’s in charge of all IT related stuff in the house and most of the time that’s fine. But I do need to be a bit more clued-up about all of this myself. Plus, it’s such a big thing with kids online all the time too.
I’m still none the wiser as to what I am doing with my life. I’ve written about it in this post on Accountingweb which you can read here: confusion-and-plans
However, since writing this post, I was driving down from my mum’s house at around 7pm. Usually, I can take it or leave it when it comes to driving however, this time I really did enjoy the drive. The girls had both fallen asleep, (one of the main reason for driving home at around 7pm) and the sky was turning from bright yellow sunlight and wishing I had sunglasses on, to a red sky with orange streaks, to a dusky blue with strains of the leftover orange . It was so beautiful especially with my favourite Bollywood songs softly playing in the background (another ploy to get the girls to fall asleep). Continue reading “Still none the wiser”
A dictionary definition and its simplest explanation, income tax is the tax levied on personal income that you earn.
What is personal income?
Personal income that is taxed in this way is made up of:
- Income received from employment including benefits in kind
- Your profits on self-employment
- Pension received
- Rental income
- Some state benefits – a list of what is and isn’t taxable can be found here: https://www.gov.uk/income-tax/taxfree-and-taxable-state-benefits
- Income from trust
As always, things are changing in our house and as usual I am in panic mode which means sleepless nights and worrying about things that are out of my control. Everything always works out for the best in the end so I should just relax and let go of what I can’t control. But as a worry wart, that’s one thing I can’t seem to do. Continue reading “Changes and worries”
Every year when the budget comes out you hear about taxes going up, the economy growing and unemployment going down. If you’re in employed work and receiving a monthly salary you might not really understand or care how the budget affects you. However, the salary you receive in your bank account is what you get after your employer has taken the PAYE. Your PAYE is made up of your national insurance contributions and income tax. Continue reading “The budget and the PAYE”