We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Best Of
-
UK state pension while living in Brazil
I am a UK citizen by birth. I have now reached pensionable age and am eligible for a state pension based on voluntary contributions. I am fiscally resident in Brazil where I have a Brazilian pension.…2 -
Re: ISA allowance in the year Junior ISA converts to Adult ISA
Get rid of your IFA. In the tax year my son’s turned 18 I contributed to their Junior ISA and their ISA to the full amount. Martin Lewis covered this a few years ago.2 -
Re: ISA allowance in the year Junior ISA converts to Adult ISA
I suspect either the IFA either didnt tell the ISA helpline this related to 20-21 and not now, or he spoke to someone who wasn;t sufficently au fait with the rules and changes (it's happened to …1 -
Re: How best to allocate £6k cash + £6k loan across cards?
What are your reasons for not wanting defaults, allowing that you almost certainly already have arrangement to pay markers which in reality are more damaging?1 -
Re: Weekly Flylady Thread 26 January 2026
I truly feel for you Valli. It sounds awful. I hope they can sort it out very quickly indeed. Lots of rest and as much pain relief as you can cram into yourself. Ah yes, Round. The shelves in the cup…6 -
Re: Weekly Flylady Thread 26 January 2026
Ha, Round, you are not alone! S’pose we can stay friends…😉. Just don’t look in my once tidy craft room boxes. Or the drawers, or the shelf unit. For some reason, I can suddenly only type double spac…6 -
Re: ISA allowance in the year Junior ISA converts to Adult ISA
I would suggest that the only way to "regularise" this particular issue is through a letter of termination to the IFA. But in all seriousness, I think this is worthy of complaint, because a…2 -
Re: ISA allowance in the year Junior ISA converts to Adult ISA
The IFA has been adamant we needed to regularise this before HMRC catch up. I have now sent him the page and example. Unfortunately son sent letter to HMRC the other day. I guess we could write again…1 -
Re: Builder Depot refusing return under Consumer Contracts Regulations — advice needed
The last two comments are bizarre, and one is rather rude. Are you saying I'm lying about my parents state of health or age? Obviously, if I sold it, I would state that it is collection only, an…3 -
Re: ISA allowance in the year Junior ISA converts to Adult ISA
See "Subscriptions between ages 16 and age 18": https://www.gov.uk/guidance/repair-a-junior-isa-and-manage-account-holders-subscriptions1
