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Best Of
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Re: Replace bond fund with Gilt Ladder
I am probably looking at nominal gilts rather than index linked, because my SIPP strategy is to draw up to the 20% tax limit which seems to be fixed for the next 5 years (unless that changes again). …1 -
Re: A Totally FREE Christmas 2026
What a great thread - Ive picked up some great tips for Christmastime.2 -
Re: An in-between phase
I hope you get a good response from the builders x1 -
Re: Cancer, cash and carrying on
Pay day!! We limped through, had £18 left in our account 🥴 (the Irish trip came out the FU cancer fund). Pots filled, bills paid. We have £1400 to last the 4 weeks until payday, so £350 a week. I’m …1 -
Re: Benefits following death & savings
No pension income from her husband’s pension?1 -
Re: Benefits following death & savings
She can apply to her local council for single persons discount for Council Tax, which will reduce her bill by 25%.1 -
Re: £4K First – Mortgage Freedom Next
I have now decided to do monthly spending reviews instead of weekly: - Hi, I have been busy spending and now I need to curb said spending and save, hence why I have come back to the forum. My lodger …1 -
Re: Steadily climbing the mountain, enjoying the view along the way
Great thanks. 🤩3 -
Re: Pension Tax Relief when Gross Salary = Personal Allowance
Ok some inconsistent numbers, but I think I get it, the relief at source will need to be capped to max gross = £12,570 which means: Salary sacrifice - gross £12,570 into pension and considered inclus…1 -
Re: Octopus Energy - Switching to new tariff?
@boco803 asked: Back in April 2026, the current fixed unit rates were reduced to account for the ~£150 government reduction. I've just noticed Octopus actually said this was worth around £130 fo…1
