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£2000 childcare scheme
Hi This is probably a stupid question but I'll ask it anyway - can you set up the online Tax-Free Childcare account before baby is born or do you have to wait until they've arrived? (Baby due in May). A nursery place is already sorted & deposit paid. Both parents work full-time but mum will be on a years maternity leave…
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Should my brother get 1/5th if mums estate ( morally )
My father died 10 years ago and mum died in January. Originally mums and dads wills had oldest brother and sister as executors but couple of years ago mum made it all 5 of her children. Main reason is my oldest sister lives abroad and the brother would probably just ride roughshod over all our wishes. Dad was Italian and…
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Becoming next door's dog poop depository
My long term partner lives in an end of terrace house. The land adjoining the non-terraced side was derelict for a long time until it was acquired by developers a few years ago and twenty or so flats were built. Recently one of the flat dwellers has decided that my partner's back garden is a convenient place to deposit…
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Partner had CCJ’s
Hi, 3-4 years ago my partner was using payday loans - I wasn’t aware of this but he recently had to tell me as he had three CCJ’s against him. I have paid off all three for him along with all other outstanding payday loan debt before those also went to court so everything is now settled (£5K). The CCJ’s also show as…
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Annual Unearned income
Good afternoon, I have two questions….. 1. How exactly is annual unearned income calculated? ( I earn £13,200 from lodgers per year) 2. Can/do the csa back date maintenance payments. I have had a verbal agreement with my ex for the last 5 years of how much she wanted each month. I have not missed a payment and during this…
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The next of kin is stop me
My granddad is in a care home dementia and my aunty is the next of kin and she is stop me and brother from see him . It take me long time to see find where he is lives now . And they have gone made at me . All of this due me and siblings gone init to foster at young age . And my mom passed way 6 year now and they have just…
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The next of kin is stop me
My granddad is in a care home dementia and my aunty is the next of kin and she is stop me and brother from see him . It take me long time to see find where he is lives now . And they have gone made at me . All of this due me and siblings gone init to foster at young age . And my mom passed way 6 year now and they have just…
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Helping a friend in trouble
Does anyone have any ideas how I can help a friend struggling financially? I offered £ but of course he turned it down.He’s a proud guy, rents a room in a house, works at Aldi, doesn’t have any family in this country. He’s so stressed & frustrated. Other than offering cash is there anything a friend did to help if you’ve…
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Divorce - financially dependant
I've been married 13 years this year, have three kids aged 5, 9 & 11 and Im a full-time mum. I used to work full-time before I had the kids. My husband is a higher earner (he's over the 90+k bracket) and we have a mortgage which is joint, with joint names on the deeds. The house is an average 3 bed semi. He has a company…
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Ex won't sign consent order
Had a short marriage of 4 months. Got the marriage annulled. Decree nisi was obtained. The ex then out of blue asked for a clean break consent order and asked my solicitor draft it up. So we obliged and I filled in d81. Now ex won't sign the consent order nor exchange d81 and refusing to do so. She keeps playing games and…
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Single parent wanting to rent privately
How does one do this? I have been offered a job but cannot currently do it where I live. There are seven of us in a two bed flat. (Social) I have no chance of moving into a larger property and having spoken to my landlord about my work situation, they won’t stop me from renting privately with my younger children while the…
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Divorce settlement
Hi, currently going through the motions of divorce. Fairly amicable. We have 90k to split from the family home equity, I earn 70k she earns 14k working 2 days. I have the kids (5&7) 2 days/nights a week. I have a new house sorted already. We initially agreed on 80/20 of the equity so she could afford somewhere (3 beds in…
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Why don’t gamblers, give up asking for money.
Long story short over a year a gambler manipulated me for 6k, you name it he tried it. Any work or any problems I had he answer, he would be available almost 24/7 Spend hours texting and calling me. Went to his house, he took me out etc After a year when I blocked him he spent a whole year trying to get back in touch, then…
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Couples who live together: how do you deal with bills when you're paid on different dates?
Hello folks, I'm keen to know: If you live with your partner and you have different paydays, does this affect how you pay your bills? If so, how do you deal with it? Joint account experiences and suggestions are very welcome, but I also hope to hear ideas for couples who don't want to set up a joint account at the moment.…
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Dropping 1st name..... legalities
Good morning. I'm after a little advice. My Son being age 17, half Thai/English has a Thai and English name on his passport and birth certificate but wishes to drop his Thai name. Can he just not use it anymore? How would this work for I.D purposes, bank account, driving license etc? Thank you
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Issue with friends new girlfriend. Update.
Not sure what I'm expecting from this post but opinions would be appreciated. Hubby and I have had a male friend for years and up until about 6 months ago he was in a relationship of 7-8 years but he was not at all happy. During the time he was in that relationship we all used to go away together for a few days 3 or 4…
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Low sugar/sugar free ginger drink must have no added sugar
I was not sure where to post this question, so I hope it is good here The drink I have recently had is artificial sweetener free and low sugar. There are other similar drinks at Tesco & Morrisons two of our local shops but they all contain a lot of natural sugar, added sugar or artificial sweetener. This is the one I drink…
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Tax free childcare
Hi Im hoping someone might know the answer as I don’t know where else to ask or look. Im at teaching assistant working two days a week I earn £585 per month before any deductions. My 17 month old goes to nursery one day a week which costs £194 per month and I normally pay this through the tax free government account. I…
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Me vs my wife
I’m actually going crazy with this so appreciate everyone’s opinions! 11 years married and 5 kids, We live in the south east where rent is 1700 a month, nothing special 3 bed house. She got a job in retail 12 hours per week after discussing this together it would be really good to boost her confidence and to get out the…
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Daughter and partner freeloading
My daughter and her partner have been living with me for over three years. When they moved in they were working, past two years both not working, daughter students at local uni. They did pay total of £120 month board, but last few months nothing. I had a lodger before they moved in, so that was £300, I am much poorer. I…