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Re: 2026 DECLUTTERING CAMPAIGN Mrs SD - our Year of Redistribution
I’ve been reading along but haven’t posted since the middle of last year, mostly because waiting for the date to declutter a cataract* was very anxiety-making. The time on the waiting list (only seve…22 -
Re: Tax code change
Although it might well have to be a paper one ( the ability to self assess online is blocked to some people) and there might be some long delays in processing it.1 -
Re: Where to keep my emergency fund
'Effective' is doing a lot of heavy lifting there! The nominal rate is 3.6% but this is skewed by the small number of large prizes, so the effective 'average luck' rate (based on…2 -
Re: 2026 Frugal Living Challenge
Good morning from the not so sunny Frugaldom - pouring rain on top of yesterday's ice and snow so not so great for working outside. Needs must but I'm having a catch up on here while having…17 -
Re: Easter 2025 I’m coming to get you!
Been to Mr Marks shop this evening to collect a parcel, not for me obviously! Hadn’t been able to order the sandals he really wanted online as out of stock in his size but tonight found a pair in the…1 -
Re: After some investment advice
Unfortunately she isn't that money savvy and I live 200 miles away so don't get to see her as much as I'd like. I'll offer up the idea of premium bonds but I don't think she…1 -
Re: After some investment advice
No judgment, but just highlighting the irony that your mum paid tax on that transaction to avoid paying tax. She could make pension contributions each year. tax relief on the way in, tax free whilst …3 -
Re: After some investment advice
What sum are we talking about here? What made her think that? If it is sitting in a pension it is not going to be taxed. In fact, it would have been taxed in the first place let alone taxed 'ag…1 -
Re: Where to keep my emergency fund
Maximising interest is great, but also consider which account is going to be the quickest/easiest to access if you need it ASAP. Can you get cash out of an ATM? Do they support instant transfer to yo…2 -
Re: Where to keep my emergency fund
One last question.... Do I want interest paid monthly or annually on the sunny day account? I'm rather excited about this drip feeding into a reg savers plan... Just had a read up on it seems pr…1
