Reading all the posts here, I think I might be the luckiest damn boater in the whole world.
My Gold licence is up at the end of this month "December". I have a reminder on my gmail calendar which also transfers to my phone. Needed none of the electronic stuff as the marina manager sent me a reminder in October !!!, CRT sent me a reminder complete with forms in November.
As I don't need a gold licence for the foreseeable future, all I did was score out "Gold" and write in "Standard", write a cheque for the reduced fee and including the early discount, gave it to the marina manager who duly sent it off, received a text from CRT to say thanks for prompt payment and I should receive the bits in the next 5 days, two days later my mate turns up with the licence (as I live aboard, I use his address as my post drop for "important" mail).
Job done.