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Homemade Cake
How To Make Homemade Cake?
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Focus
Hiya, another newbie.. I've been casually saving for a long time now, little bits here and there - but it's time to put some proper effort in! It seems these days I take more money out of my savings than I put in :| Two simple goals to start: * Learn how to properly track my spending (or potentially find an app?) * Get to…
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Ready for the next stage!
Hi everyone :) Things have been a bit stressful around here lately (as they have been for everyone!)- I'm in my second year of an msc and I'm juggling placements, assignments and a research project, as well as a lovely 2 year old- and we've let spending get a bit out of hand. I've started using Emma to track our spending,…
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Hold me accountable
Hi, I'm new here... Well that's not true I have lurked for many many years whilst promising myself I will get my sh*t together. Well I never have im addicted to spending and no matter how much myself and my husband earn we always seem to live outside our means. Well enough is enough, we want to buy our beautiful house and…
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Head out of the sand. Saving for a shiny future
I’ve decided to do a shiny savings diary. I always considered myself good with money and relatively frugal... until I actually analysed my spending... oh boy 😬 I was NOT. Turns out I spent at least £500 a month on “stuff” and over £250 a month on food (for a single person!). I’d been buying anything I wanted as soon as I…
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CyclistDreams - House deposit diary
Morning all! Hoping this is the best place to keep a copy of my road to a house deposit! Thought If i posted here and keep it updated, it will help motivate me to hopefully save more. I'm currently saving for my first house. I found one that i really loved last year, but after speaking to a broker I didn't have enough of a…
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Gifting of my Tax Allowance to Husband
Thank you for the prompt Martin. Today I contacted the Inland Revenue and asked for my tax allowance to be passed to my husband. What a result as it was backdated to 2018 and we should receive a tax rebate of £496.50 in a few days. Thank you Martin as now hopefully hubby wont pay so much tax on his Army Pension each month.
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Saving to take son away. Camping/caravan this year :) plus legoland florid when hes 15/16 I hope
I've always tried to save. It's how I was brought up. I have been saving up for Disney for years.... my sons now 8...so it's been slow BUT with my birthday/Christmas and have around £1200-1400 I think :) I reckon I need £6k plus spending money maybe 4k??? So £10k I want to take him to legoland next year. It's my 40th too.…
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£148saved in homecare agreement
Feeling pleased with myself! Today i switched my auto renew British Gas annual homecare cover to SSE/Ovo and saved £142 for the year. I tried to haggle with BG first on the phone. They did offer a big price drop but I wanyed to save the max. By the way Ovo has now changed their annual service to happen at the end of the…
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The simple things
Hello fellow money savers, I managed to lock myself out of the forum for a couple of months but have finally got it sorted so thought it was a good time for a new thread. As some of you know I am a single mummy with two young children, always trying to make sensible decisions to ensure we are secure financially. I have…
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Sorting it all out... a 'got to start somewhere' diary
A long-time lurker and poor implementer of all the amazing advice here on MSE. At 34, I've only just started a pension, don't own a house, have *some* savings but house prices are continually just out of reach, it's time to start understanding this thing called money. I'd also like to accumulate lots of badges ;) To top it…
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How Much have you saved ?
How Much Have You Saved AND What Strategies Do You Use ?
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EDF ENERGY
Last year I switched to EDF energy. I paid £110 per month. After about six months they put my DD up to £206 pm which was a struggle as we are pensioners. So that was an increase of about £90 pm which I’ve paid for six months, or £540. I received my bill yesterday which stated I would receive a refund of, guess what, £540.…
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Building savings to bubblewrap my new life.
I would like to join the savings gang if you will have me. I am a fifty something on the verge of a big life change. I am moving away from the place I have lived for many years to a lovely market town with rural countryside on my doorstep plus a nature reserve and a river. I will be under 5 miles from the sea too. I had…
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The savings pit
Hello forum! I have joined the site and am starting a thread in an attempt to record my daily efforts to get a savings pot together. Predictive text changed that to savings pit haha! I am a single mum of two so there always seems to be something to pay for. I have recently finished some renovations so now seems like as…
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FUEL PRICES
with fuel prices AGAIN going through the roof, im more grateful than ever for my Duster bi-fuel car. paying 72.9p or less for lpg. when im driving more than 1000 per week the savings do add up. great car, great value.
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Refunds from booking.com
New to forum so not sure if this is OK? Wondering if members have advice on getting refunds from booking.com? They approved it on 30th July, despite weekly emails repeating info over and over, still no money back! £172.50 so not a couple of quid! Threatened with legal advice - still nothing! Help or advice from any who’ve…
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Saving for a smallholding
Hi all, Up until late last week I had thought we would be joining the Mortgage Free Wannabe part of the forum, but unfortunately our house purchase has fallen through. We have reassessed our buying power and realised that we need to make some changes over the winter and start looking again in Spring. Long back story: we…
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A modest saving - but easy.
My comprehensive motor insurance has been pretty cheap for a long time (old, no accidents etc and every year I do haggle or swap). This year I did the usual on receiving my quote for this year (£18 more than last year): 1. look on a couple of comparison sites recommended by MSE; find cheapest quote for identical cover 2.…
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Ryanair and self isolating
So a family member in our household has Covid . We’re having to isolate and had a flight booked for this Sunday . I bought insurance (hoping it will cover ) Trying to get through to Ryanair is driving me to despair . I need a no show letter . Anyone else in this situation and have advice please ? 🙏