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Budgeting & bank accounts

Archives for September 2014

Money advice charity closed, can you advise me of another one please?
I hope this is the right forum? I used to go to a charity based in Salisbury called shine, who used to advise me about my money and hep me draw up a budget sheet etc. Now they have closed and I have no one to go to now :eek: Can you good people advise me if there is another charity in Salisbury or Wiltshire that could do…
Standing Order Clearing Times
I've got some money shuffling around to satisfy pay-in offers for accounts such as the Halifax rewards account. The account has a running £0 balance. I want to pay in the required amount and withdraw it again as quick as possible, but I want to automate this using a standing order rather than manually making faster…
Budget advice please!
Ok so Im new to this... Im following the tips to clear debt. Ive started to make a budget, all is going well so far; Im feeling positive. I am a little confused though and I wonder if anyone can give me some advice.... I have divided all the less than monthly outgoings (christmas, birthdays, easter, car tax, mot etc etc)…
PayPal security a lot poorer than banks
I consider myself pretty computer literate - I have earned momey writing software, produce open soure code, and so I would not be easy to trick to give my password away. Anyway, some hacked into my business PayPal account and tried to pay a substantial amount of money to someone who I have paid before. Luckily the amount…
Nationwide Flex Direct
Hi there, I am new to the forums so please forgive me if this has already been done. I have 2 Flex direct accounts, one of them is coming up to 12 months old, so is at the end of the 5% rate. The other one is only 3 months old. Will the interest continue on the second one or will they both finish?
Receiving Money from Abroad
From what I can see most banks charge to receive money from abroad. Does anyone know if there is any bank accounts that do not charge for receiving between £50-£100 a month.
basic bank account - which one
Looking for an opinion on the best basic bank account with internet banking dont want credit check
Local bank account (for local people)
Hi, Our primary bank account is with Santander who, until recently, had a small branch local to us (we live in a small market town not far from a much bigger city). Now that their branch has closed, we have no way of paying in cheques to our current account other than travelling into the main town, which is not a pleasant…
Contactless card not doing contactless payments
I had my new Santander debit card sent to me last week and told me to activate it, I needed to use in an ATM first. On Saturday, I just got a printed mini statement. Yesterday, it was the first time i've been in a shop which accepts contactless payments. Held card over reader and it said card not authorised. I didn't have…
How to move forward sensibly
I started a thread yesterday stating that within the next couple of months my husband and I will have cleared our huge debts which have been hanging around is since I divorced my first husband 10 or so years ago.mmy question was about buying a house as we are renting. I have now stepped back from that and I want to…
Bank Account switch incentive
Hi. I recently opened a new account with First Direct, and manually moved all of my direct debits, standing orders, and salary payments etc. Shortly afterwards I received an email offering me £100 incentive to use their switching service! (yes I know, I should've known, but I didn't) I rang them and they told me the…
Need a bank account/prepaid card that accept cheque deposits..
... resolved now.
Halifax Student Account Overdraft
Just logged in to my Halifax account this morning and I've noticed that the account that was my Student Current Account has been changed to a standard Reward Account. As such, I'll be charged £1 a day for using the overdraft, which is currently at £1,500. Are they allowed to do this without any prior warning in writing? I…
Halifax CA question
I have an authorised overdraft facility on my current account of £3000 If my balance is £0 the balance shows as balance £0, available balance £3000. Yesterday I paid in a cheque for £3000, my balance now shows as balance £3000, available balance £3000 (obviously as they don't already have the money they won't let me…
Barclays Current Account Charges
Hi, I don't know if any of you can help me please. I have had a standard Barclays current account for about 10 years now. Its not a main bank account for me, I use if for online purchases. It has a £100 overdraft limit and I choose to always keep the account a little overdrawn - say £50. it works for me that way and I have…
First Direct - When to apply
I graduated in July, was unemployed in August, and have just started a new job (this week). I want to apply for a first direct 1st Account, however do I need to wait a few months, as if they ask for pay slips, I cannot provide them? I also have about 9 searches on my credit file, all within the last 6 months - is this…
Applying for a Co-Op account
I just applied for a Co-Op account to take advantage of the switching offer, and after the application it said this: Is this normal for Co-Op Bank? Never been referred for an application before.
terrible at sticking with a budget, please help
hi all, money is all over the place at the moment and i really want to get it sorted before baby is here in jan i would love to have a proper monthly budget but it is just awkward that money comes in weekly as well as 2 weekly and hubby gets paid 4 weekly i was just wondering if i put our dd dates and prices and when money…
Awful at sticking to a budget, considering ThinkMoney account, is it worth the fee?
For years now I have had trouble sticking to a budget. I sit down and make a budget, nowadays with my partner, I've used the budget calculator on here which is fab... but then time and again I just get carried away. I've been trying to 'kill off' my overdraft (I have a Lloyds Graduate account atm) for ages but I always end…
direct debits to legitimise current accounts
What are the easiest ways of setting up dds in order to meet qualifying rules of lloyds halifax etc for 2 dds. Thought there was a thread but I can't find it. Thanks

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
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Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
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Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
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Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
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Base rate held at 4.25% – here's what it means and when it might be cut next
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Budgeting & bank accounts

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