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How much money can I save if I switch to a cloud hosting provider for QuickBooks?
I recently bought QuickBooks Pro License and I am thinking of a cloud hosting provider wh can host the particular software.
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National Insurance
Hello, can you tell me exactly how many years you need to pay in to NI to get the full pension? My DOB is 1960. I did 3 years at university and I thought it counted towards NI but I see very confusing information on websites saying it doesn't count. The site says I have 41 full years but need 3 year more. Another website…
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Saving to travel in retirement... and perhaps buy a house abroad!
Hi everyone I am starting a diary to encourage me to continue on the path I am on. I spent many years in consumer debt but with the help of this forum and finally settling down, I find myself in a position where I can start to dream about what I would like to do in the future. I have no debt and just a few years left on my…
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Moved: Wheelie bins
This discussion has been moved.
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Garage Conversion Added value
Hi, I’m looking to convert my garage and downstairs toilet into a bedroom & en-suite bathroom. I have plenty of driveway space for off road parking, plenty loft and a shed space too. The initial quotes I have are higher than I expected (~16k) and that’s before I choose a higher spec bathroom suite and tiles. My house is…
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Covid Spreadsheet
When Covid lockdown started, I started a budget spreadsheet to see how much I'd save by - well, doing nothing. So far, it's averaged £100 a week - £1600 thus far - Woohoo! Half was inevitable I suppose, transport being an obvious one. Not so obvious was mobile roaming data - I didn't really pay attention to it, £20 a week!…
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Future is Bright
Long rambling post I fear for my first diary post but here goes.... I've spent all my 20s in and out of debt (mainly in). I'd say a lot of it was gambling, the rest was living above my means. I'd have a good month and splurge on holidays, days out etc and then instantly regret it as the next month the debt is still there…
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Saving for my first bricks and mortar...
Hi everyone! I've been having a little read of other people's stories on here so thought I'd start my own, hoping it'll keep me on track :rotfl: About me. I'm early 40's and have been renting forever. We have been very lucky with the landlord and not had a rent increase for 10 years, until now. He wanted to increase our…
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Young, dumb and saving for a house
Hello everyone, my name is Joe and I live in the South East of England. I'm 19 years old and I'm saving up to eventually buy a house. I currently earn <£20,000 a year but I manage to save ~£1,000 a month - having no bills to pay definitely helps. Here's a breakdown of what I have so saved far: * Vangaurd Global All Cap S&S…
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Focussing on today
Hi, I feel that I need a new focus to help me cope with these strange times. I'm driving myself a bit mad trying to make plans and set goals for the future when everything's so uncertain. I also feel like I've lost a lot of confidence during the past few months and now I'm stuck in a circle of fed up with everything but…
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LucieCat's rolling down to retirement.
I've been inspired by everyone's savings threads to start my own. I'm 64 years old, not due to claim state pension for another two years. I have a small pension and have three very part-time jobs, which gives me a total net income of around £1400 a month. I will carry two jobs into retirement, and plan to drop one, which…
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Redundancy payment
Hi, I have had to take VER & will get a small VER payment, so with current savings put me just under the benefits £16000 cap. I will need to get a car as my works 1 is going back, being told my VER will be taken into account when making a claim? So could I buy a car on fiance or a credit card & pay it off with my VER…
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I finally realised money management is a skill that can be learned
I've never been materialistic regarding brands and so on, but like many people, I often frittered away my hard earned cash on lunches, snacks and so on. I'd save, but often had to dip into it to clear overdrafts as I never planned ahead for specific annual costs like Christmas, school uniforms and birthdays. I barely…
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Saga's saga
A few months ago I tried to be matched to an independent financial adviser using unbiased.co.uk. In the end I never was. I guess my net worth was too small to be worthwhile. Perhaps it was a way for me to be reminded that, in the grand scheme of things, I don't really have that much. You see, back in 2013 I was between…
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Saving for..?
I'm not quite sure yet! But I would like to stop wasting money and be more accountable with it! A little bit of background context: I'm 26 and live alone with no family around me. I left an abusive relationship 2 years ago and became homeless. I spent most of my then £8000 savings, some necessary some not. I went on…
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Help to save scheme
Can anyone advise me on this? I have a Help to save that I opened 2 years ago and deposited £50 each month for 2 years so i now have £1200 in the account. I just received my first bonus of £600. I will be continuing the scheme for another 2 years and will get another £600 in 2 years time. Can I withdraw the first £1200…
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Lady K's savings diary
I wanted to get my saving thoughts and ideas down somewhere and thought this would be the great place to do it. I hope you all don't mind! I'm 27, I moved out to live with my partner just over a year ago. I started a degree with the OU and I also changed jobs from being a carer to working in an opticians. Although the wage…
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Petrol Card v Millage Allowance
Good evening, I receive a monetary allowance to buy my own car. I also have the choice of having a fuel card or a mileage
allowance. Can you help me decide / understand what is the best
option for me to take? I will do around 20k business miles a year. Thanks
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Savings in ISA and income support
Hi. I am on income support. I've been saving money in my ISA account. It is about £16,000. Will that affect my benefit? What is the amount transfer limit?
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There still may be trouble ahead .....
Around this time last year a redundancy threat at work shocked me into actually looking at my finances properly, and it wasn't a pretty sight. I'm now officially debt-free, but have no savings. I'm now in a new department at work, with a new manager, colleagues and ways of working which is all a bit stressful and I'm not…
