We're a friendly community of MoneySavers sharing our experiences and tips to help each other out
Budgeting, Banking, Cards and Loans, Credit Scores, Reclaim fees & charges
Making money, Debt-Free Diaries, Bankruptcy, IVAs & DROs
Consumer Rights, MoneySaving, Deals, Vouchers & Discounts, Freebies
Tax & Benefits, Jobs & Training, Pensions, Redundancy, Charities
Buying, Renting, Selling, Energy, Household Bills, Home Improvement
Insurance & Life Assurance, Disability, Weddings, Children, Death & Probate
Holidays, Days Out, Flight Delays, Parking Tickets, Public Transport
Competitions Time, Old Style MoneySaving, Techie Stuff, Crafting
Need help using the MSE Forum, or want to share feedback about how this website works?
For some meal deal fans, it's the best time of the year! The usual offerings are being replaced with this year's selection of creative Christmas alternatives. Christmas dinner sandwiches, pulled pork wraps, brie and cranberry baguettes and sides of pigs in blankets in pastry. There's weird combinations and old favourites…
For those of you who are chocolate lovers, this week's poll is seeking your votes on how you like your confectionary treat... or more specifically, what temperature? Does it taste better a little on the chilled side, or do you prefer a more melty experience with a room temperature choccie? Fridge or cupboard? Or is there…
Hi everyone We've just enabled a new 'Reaction'. You can now mark a post as 'Interesting': We’ve added this so you can mark a post as, well, interesting when ‘Thanks’ doesn’t seem quite right. By using a reaction, you’re helping the Forum Team and our systems surface the most useful threads and improve what you see across…
There's no IHT to pay on gifts between spouses. If I give my wife £6k does it immediately become hers to use as she sees fit? I'm thinking about giving her the money so she can then use it as her £3k x 2 years allowance to give to our daughter.
We've been with Virgin for at least 12 years but I think it may be time to head to pastures new... Our current contract expires in a couple of weeks and it's price will go from £68 to £82. Online we have a renewal quote of £60 if we sign up for two years but it leaps up quite a bit in April 26 and April 27. So I used the…
I just wondered, as the (US) markets continue to forge ahead, if anyone has switched funds in their pensions to a more conservative position? I have all of my DC pot in the Vanguard Lifestyle 80:20 fund, but increasingly feel a correction is coming. Should I move a proportion into cash or leave well alone? (I don't need to…
Just switched from Octopus Energy to another of the large ‘big six’ established energy suppliers. Have come across a new potential and massive potential waste of IHDs that may be being sent to landfill prematurely resulting in customers being encouraged or feeling their only solution is to pay for extortionately priced…
Do you tile a bathroom before you fit the bath or after?
This is the place for questions around your rights as a consumer, including reclaims, faulty goods & more
It looks like you're new here. Sign in or register to get started.
Join other MoneySavers in taking part in one of the Forum's most popular challenges with the aim to save £667.95 by the end of 2025
How many days this month can you go without non-essential spending?
It's October... Do you think it's too early for retailers to be rolling out their Christmas Meal Deals? Or do you think now is the perfect time to release those festive options?
If you want your Christmas food shop delivered to your door, you'll need to pounce to get your preferred slot. Supermarkets including Asda and Waitrose are now taking bookings, and there's a trick to get early access at Sainsbury's and Tesco.
The State Pension is set to go up by 4.8% from April 2026 under what's known as the 'triple lock' guarantee – though the exact monetary increase you'll get depends on which version of the State Pension you receive.
Free and available on iOS and Android
Tip Email