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How does everyone do it? Household Budget Review
Hi All, My husband and I always say 'how does everyone do it' in relation to getting a house and getting on in life etc and we're looking for some outside perspective on our budget to see what's missing. Monthly income: £3700 + £1800 = £5,500 Monthly outgoings: £5,238 Mortgage 656Service Charges 83Water 27Gas +…
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Ways to cut school uniform costs
Hello MoneySavers! It's tough out there for loads of MoneySaving families, so I would love to hear your ideas about how to cut the costs of school uniforms ahead of the new school year. Read more: Can I get help towards my child's school uniform costs?
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Ex husband wants to register vehicles to my new address
Thoughts please just had a text from my ex husband asking if he can register his 4 possibly soon to be 5 vehicles to my address because he lives on a canal boat. I want to say no. im very uncomfortable with being asked. What’s your thoughts, am I being unkind ?
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Switch question
Would someone be able to tell me if I had a mortgage with a bank who I then wanted to make a switch too would I qualify for the bonus they were offering. TIA x
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Cost of school uniforms
There's an interesting article in the Guardian called Back to school: do uniforms really need to cost a fortune? (I can't post links yet) I was wondering what people thought of the comments by Matthew Easter, Chair of the Schoolwear Association. Most secondary school students spend a maximum of 2 hours a week doing PE.…
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Son (7) just joined a football team - how do we get to away matches?
Elder son is football mad. We found a team nearby linked to my city’s professional team. He started practice last week and loves it. Matches start in September. I thought they’d be in different parts of the city but some are in towns fifteen or twenty miles away. This may be a hopelessly naive question but do the players…
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Baby freebies?
I’ve searched the site but can’t find anything recent so hoping someone might be able to help (or point me to the right place if I’ve missed it!). Currently pregnant and wondering whether there are any worthwhile freebies ready for when baby arrives? I know about Emma’s diary packs and pampers coupons but that’s about it.…
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Did you know you can get FREE HRT prescription medication with HRT certificate?
Hello to all, Thinking this is probably the most appropriate forum... and apologies if this has already been posted but in case not, did you know that by obtaining a HRT certificate (£20) which is valid for 1 year, you can get (most) HRT medication free of prescription charge? I wasn't aware until my pharmacist told me.…
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How do I depisit my sons cheque
My son (23) left to travel Australia and shut his bank account down. He’s now received a hmrc tax rebate in cheque form and I don’t know how or where to deposit it for him, it’s for nearly £1k so we don’t want to lose it.
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Maternity leave - How much do you save?
Hi all, I appreciate this is a pretty loose question and it'll obviously depend on a multitude of factors - How much you would regularly earn, your outgoings, how long you want off on maternity, the maternity package offered by your employer etc but I'm hoping someone can help me calculate how much I need to plug the…
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Money Moral Dilemma: Should I save up child benefit to give to my children when they're older?
This week's MoneySaver who wants advice asks... I have two children - aged one and four - and receive child benefit for both, totalling about £140 a month. I've been using it for their general living expenses, such as clothes, clubs and so on, but I've started to wonder if it's their money to decide what to do with. Should…
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How do you divide up finances? Blended family.
Between yourself and your DP/ DH. 1. Split all bills and rent 50/50 and whatever you have left over is yours regardless of what you both earn. 2. split bills equatable to who earns more/less, ie the person earning more pays more. 3. Split the household bills relative to who is in the home eg one person has 2 children and…
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Redundant husband choosing not to work
Hi, Just wondering if anyone has been in my situation and can give any advice. My husband was made redundant almost three years ago. It was not a shock, so he had plenty of time to prepare, it was not because of the pandemic, but it did coincide with the first lockdown. He said he wanted to take six months off to spend…
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15 year old responsibilities
Hello I am just wondering what responsibilities you expect from your 15 years old regarding anything but especially household chores, pets etc. I have no one to compare to. Mine suffers from anxiety and bouts of depression (already receiving CAMHS support) so I know I have to be a bit lenient but I am struggling knowing…
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Need advice to invest for the children's future
I'm a single mum with two kids: 10 and 12 yo. I have two child trust fund accounts but wondering what the best ROIs are out there. Need to invest and plan wisely :smile: Thank you in advance!
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Babysitting rates for 15 year old
My son babysat for his little sister and I said I would pay him though didn’t say how much! When I was 15 I was just expected to do it for no payment for me but what are people paying their kids to babysit their siblings these days?
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Enforcing family court divorce cost order - where to find free guidance
Hi, I'm struggling to find guidance on the correct procedure on how to enforce a cost order imposed during divorce proceedings. I'm helping a friend who can't afford to pay for a solicitor to do it. The cost order originates from her partner failing to sign Land Registry paperwork to remove him from the Title Deeds. The…
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2023 Childcare Budget announcement for income over £100k
Hi all, I'm reading conflicting reports following the Budget announcement, including the updated report on MSE website today, regards eligibility for the free childcare being rolled out for children from 9 months. Basically, I'd like to know if for those who don't claim any benefits, credits, etc. and earn over £100k, will…
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Standing order from natwest to natwest
I made a standing order from one natwest account to the other but did not cancel it in time. The money was taken and I am now in my overdraft. However the money has not reached the other natwest account it is now 10.34am. I was hoping it would reach the account so I could send it back immediately and not get charged. My…
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Non-molestation order: can I DIY?
Just wondered if anyone has been in the situation where they have needed to apply for a non-molestation order. I'm hoping that I can get legal aid to help with this, but if not, is it possible to do it all myself? I have another 30 days until the respondent's bail ends. Hopefully it will be extended, but I need to be…