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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.

971 discussions 13.8K comments Most recent: Money Moral Dilemma: When should I tell my son I can't afford for him to go to a private school? by pomcycle 26 September at 2:34PM
MoneySaving dads

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

371 discussions 4.1K comments Most recent: Child maintenance increase by Northern_Wanderer 12 September at 9:50PM
Deaths, funerals & probate

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

12.8K discussions 134.5K comments Most recent: Calculating IHT when two life interest trusts are involved by poseidon1 Today at 6:35PM
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 250K comments Most recent: Doodle Dog Buying Advice / Health Issues by sheramber Today at 4:55PM

Who has rights on our family home?
Our parents divorced in the early 1970s. Mum stayed in the family home with my sister and myself. My sister (aged 59) has never moved out of the family home. Dad paid the mortgage (now clear). I have just found out his name is still on the title deeds and he has willed his half to my sister and me. My Dad is in a lovely…
Can anyone advise on this horrible scenario please. Update.
My niece has a lovely boyfriend. They moved in together 2 years ago. He has 2 children from his previous relationship aged 5 and 7. They separated when the youngest was 14 months old and since then he has had both children every weekend and for most of the school holidays. His ex has had 3 live in boyfriends since then and…
Tenants in common/Joint Tenants and care home fees (mum and daughter)
Hello My mother and I are currently joint tenants of a house (done to help me out initially). I am beginning to think about the future and if (touch wood it doesn't need to happen) my mother needs to go into a care home, would it be better for us to stick to joint tenants, be tenants in common - 10% and 90%? OR transfer to…
LPA dispute on care home choice
I am joint and severally LPA for health and finances with my sister for my father who has dementia. The time has come for him to be assessed for residential and or nursing care. His mental capacity for making this decision himself or deciding where he would like to live is very much day to day and compromised at best. My…
Budgeting to Have A Family - Maternity Pay Calculator
Hi everyone,I'm trying to get my head in gear for the potential of having assisted fertility to start a family at age 40 (I froze my eggs when I was 36).Last year I was pregnant for a short spell and suddenly became very aware of how I had NO idea how much money I'd have to survive off for the duration of the maternity…
Lasting Power of Attorney
Hi. My brother had LPA for my Mum. She passed in April this year. 5 days before she died he executed transfers of all her estate to himself. Is this legal and is it possible? She did not have capacity at that stage.
15 / 30 hours free childcare calculation
Hello, I was surprised to learn how my child's nursery calculates the 15/30 hours free childcare. I'm interested if this is standard or if its better/worse than how other nurseries handle it. The nursery is open 52 weeks per year, Monday to Friday, from 7:30am until 7pm. Closed on bank holidays.They have different prices…
Divorce - amicable, each have seperate property, assets, etc - clean Break?
So, my wife and I separated in 2022. We had been together and co-habiting since 1998, then married in 2018. We have one son, who is almost 21. He is at Uni but lives with me out of term time and sees his mum regularly. During the separation, she moved to her parents, and from the day she left never came back, apart from an…
Declaring Credit Card Debt on Financial Order
So I am just getting my head around the D81 form and declaring debt, assets, etc. The part that still confuses me is declaring credit card debt. We both have cards in our own name (none joint) which were about even when we split. We have both spent on them since I think she has even paid for a holiday on her cards so I am…
CGT due on former matrimonial home, help!
I separated from my wife in July 2021 and moved out in October 2021 and have been in rental properties since. I then started divorce proceedings in July 2022. Having read the updated laws effective April 2023 I am unclear if I will need to pay CGT if the FMH is sold as part of the divorce. We are due attend our second…
Ex wanting son's NI number
Hi. My son is 17 and shares his time between me and my ex wife. My ex has just messaged me asking for my son's NI number, but she won't tell me why she needs it. My son doesn't know anything about it and doesn't know his number off by heart, hence her asking me for it (he is currently with her) Normally we are very open…
Cerificate provider for an LPA
Currently completing the LPA for my parents. Need a certificate provider. I've read the rules about family but would this include the ex-wife? Mother of my three kids. What is the legal definition of family in this respect? I'm assuming because we have kids this would rule her out but wanted other input. We split up 9…
HMRC debt at time of separation
Hi there, hope someone can help. I separated from my partner in April 2024. We have to give each other a full disclosure of our assets and liabilities and he claims his HMRC debt at time of separation should be included. As far as I'm aware, he is responsible for paying his own tax bill? He has since paid what is due but…
Using my address?
My family member is homeless (he sleeps at different peoples houses).He is about to inherit a lot of money- enough to help hime with his housing issue.However he needs to have an address to go through all the legal side of things. My question is - should I let him enrol on the electoral register at my address to help him…
Guide discussion: Tax-Free Childcare
[URL="hhttp://www.moneysavingexpert.com/family/tax-free-childcare"]Tax-Free Childcare[/URL] guide. Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.
Possible family breakdown advice
Hi, I am writing on behalf of my younger brother who has been married for over 12 years, he lives in a house with his wife & 2 children (aged 15 & 11). Basically his wife has said she no longer wants to be with him, has arranged estate agents to value the house etc. They have both been through a tough year, his wife lost…
clothes for old man
I have a 90+ year old relative who is VERY set in his ways with what he will wear. Over the past few years he has lost weight (nothing to be concerned about) and is now looking like a scarecrow wearing his old, now very threadbare and too big clothes. My problem is that he will only wear beige, thickness and texture of…
Divorce- wife won't be able to afford a mortgage
Recently separated and will shortly be putting in an application for a divorce. My wife has moved away to another area and does not wish to stay in the marital home. She has taken our child with her and we are currently going through family court. She's had part time jobs throughout the 6 year marriage but is currently…
CETV greater value than marital assets in a divorce
For the purposes of splitting assets in a divorce settlement. What happens if one persons CETV pension has a higher value than the relatively small marital asset pot? Just for clarification, the other person in the divorce has no pension.
Separating from ex, I’m moving out but planning to sell house in 12 months. Should I be worried?
Me and my ex mutually agreed to end our 14 year relationship. We are not married, have a child and a mortgage. We both have new partners, but currently still living together in our mortgaged property that we both own. I have agreed to move out and rent somewhere for 12 months with my new partner, whilst he stays in our…