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Marriage, relationships & families

Discuss the MoneySaving implications of relationships and family life.

MoneySaving mums

A place for mums with kids of all ages to discuss parent MoneySaving matters.

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A place for dads with kids of all ages to discuss parent MoneySaving matters.

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Deaths, funerals & probate

Get MoneySaving help at the time of bereavement - discuss wills, inheritance tax, estate planning and more.

12.5K discussions 131.6K comments Most recent: Selling House under LPoA. FiL died by poppystar Today at 8:58PM
Pets & pet care

For MoneySaving questions about taking care of your cat, dog, parrot or other animal companion, including vet fees and pet insurance.

15.9K discussions 249.9K comments Most recent: Anallergenic/hypoallergenic/hydrolysed wet cat food? by Lavendyr 28 June at 12:21AM

Flag Identification please.
I have no idea which board would be most appropriate for this query but I'll leave it here as this is a busy board with many views. Can anyone tell me what this multicoloured flag signifies? It flies outside a JLR manufacturing plant, usually next to a LGBT rainbow flag so I don't think it's for that.
Christmas guilt
Hi all - just wanted to put this down in writing not expecting any kind of resolution per se, but just as an outlet! It's that time of year again when Christmas plans are being discussed. I have a wife, two kids (aged 9 and 7) and last year, we hosted both sets of parents at ours for the big day. My father has dementia,…
Care homes fees and £23250 limit
In a nutshell my mother in law is in a care home aged 89 and has been for 5/6 years. She has dementia and receives some extra money for this. Currently paying for her own fees with some help from the state. She has reached the £23,250 limit and we have been told rightly or wrongly that this money can no longer been used to…
Would land registry accept two marriage certs for third name change?
Ok, sorry for the confusing title. Basically, when I bought my house with my ex husband it was under my maiden name. Since we got divorced I haven't changed it back simply because of time/effort/money. I've had the register updated to remove him and only I remain albeit under maiden name identity, the solicitor said if I…
Marriage and Capital Gains Tax
My partner and I have decided to marry. We have been together for a long time but ran two households for years as we both had young children living at home and it was more convenient at the time. We currently live in my house which is in my sole name, and will continue to do so. The long term plan is to sell her house,…
Relationship breakdown - Property advice needed
I’m seeking some advice as to where I stand. Me and my girlfriend are currently going through a split. We have lived together for the last 5 years, I paid the initial 10% deposit on the house and I’m the only one named on the Title Deeds and the outstanding mortgage. They have a child who’s 14 from a previous relationship…
Getting divorced and struggling to leave my mortgaged property due to husband
My husband and I split up in January and we've been discussing for months what to do with the house. Neither of us can take it on so we are going to sell, however; he is stubborn and keeps holding off on letting me instruct an estate agent and I am at my wits end with it all. I am not getting anything from the sale of the…
change of name on house deeds
I have just gone back to my maiden name. So now in the process of notifying everyone . But I seem to have become stuck at how to change the name on the deeds of my house without paying. I have a uk passport in my maiden name. But just doing a google search, it seems have to use a Conveyancer any advise please
Is there a way to find out if someone has passed away?
A friend, where we had no mutual friends, has suddenly stopped responding. Phone goes to voicemail and no response from email. Said person has no social media presence that I can find. Wondering if there is some public obituary or death certificate record where I can type in a name and find someone.
Lasting Power of Attorney Advice
I'm arranging a Lasting Power of Attorney (both for finance and health/welfare) for my mother next week via a solicitor. I've carried out a fair bit of research but would greatly appreciate any feedback from someone who has already has a Lasting Power of Attorney. The most important point I came across was not to tick the…
Care costs and the loss of your home and the bulk of your savings
This question is in relation to my 85 year old widowed mother who currently is in good health and lives in her own home, albeit with some equity release on the property. If she had to go into care, I understand that “if your capital is under £23,250, you will pay what you can afford from your own income, and the local…
Is this Financial Abuse?
After my divorce I was left with a court order that was not enforceable, and a huge litigation loan debt. To pay the litigation loan debt (my solicitors organised this to pay their fees) I had to sell the house, but it was in joint names with my ex husband and he refused to consent to instructing estate agents, I had to…
Options available if you can’t buy your ex out.
Hi guys first hearing fast approaching and going in as a LIP. Property was bought under RTB and still in exception period. Received a without prejudice offer about 7-8 months ago. Taking into considering she left the property after 1 year from purchase and was not on the tenancy but that’s another issue. She offered 30% of…
Single Parent (Living Alone) - Seizures and caring for a Young Child
Good Evening All. I was wondering if anyone might have any suggestions, experiences or links to potential support which can be put in-place with regards to how a single parent, diagnosed with non-epileptic attack disorder, can safely care for a young child (3 years old) whilst living alone. I m looking for charities, alarm…
HOW TO INCREASE MY SOCIAL CIRCLE
Hi Folks As we are getting older and older, do you find that your social circle is getting smaller and smaller? If so, what things do you do to increase or at least maintain your social life? Any advice greatly appreciated. Thank You
My impending divorce...
Hello everyone, as the title states I have just started the process of dealing with my divorce.. At the moment it's quite amicable and it would be nice to keep it that way.. my wife is seeing her solicitor next week, I am currently awaiting a call back from a local solicitor... I have a couple of questions that it would be…
Rogue sibling tries to prove our mother has dementia
Hi all, back again with more tales of woe in this continuing family saga. Some background can be found in the previous thread here - https://forums.moneysavingexpert.com/discussion/6533640/pr-for-probate-goes-rogue/p1 I'm looking for some advice on the latest development i.e. demands for a dementia test. My sibling has…
Co parenting and secondary school place
Hi there hope you can help? so my youngest has just had his form through for a secondary school placement. His dad and I co parent but live in different council areas, I had to move further afield as it was affordable mortgage wise. My son has continued to go to school near his dads house (as that was where i originally…
Divorce D11 Form Help
Hello, I only know my husbands email address and not his home address. I've tried searches, asking people etc to no avail. Can anyone please advise how to fill the D11 form in? I especially do not understand how to answer question 3, Many thanks in advance
Consent Order Review: Life Insurance and Car on Finance—Advice Needed
Hi everyone, I’m in the process of finalising a Consent Order following my divorce and would really appreciate some feedback to ensure everything is covered properly. I’m trying to handle this on my own to save money, as I’ve been struggling financially and have used legal aid in a family law court case. The Consent Order…

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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
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
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
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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