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Income calculation/ adjusted net
Hi I am self employed If my gross income ( turnover - expenses) is £70,000 If I pay £1000 with bank transfer into a SIPP. The pension companies at some point I believe claims some tax benefits on the £1000 SIpp and add it to my pension so should total £1200 pension in the SIPP account. To calculate my tax bill and child…
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Taking child's friend on holiday
What's best practice on this? Getting to the point where our youngest is on their own coming on holiday with us, and they'd probably prefer to take a friend. Now as this is doing us a favour and a benefit to my child I'd be happy to pay for them. However, if my child was invited then I wouldn't be comfortable having…
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My husband likes to spend, I like to save- causing me anxiety and stress
My husband has taken early retirement at 60, he has a works pension, but took a lump sum, so his pension is half what his wage was, he will not get his state pension until he is 67. But he continues to spend as before, I don’t work due to disability, he has always been the main breadwinner, I have worked part time and even…
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Tenant
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Should I ask my ex to refund the cost of our daughters holiday
Hi, just looking for a bit of information, a holiday was booked for my daughter & myself (& family) , there are no court orders involved, but the other parent has parental responsibility as well, as this was done as a surprise I only had a few months to sort legal help ( there was domestic abuse with my ex)my ex has not…
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I have a small endowment
Can anyone give me any advice of what i can do with it?
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School absence fine
Hi, I’m split from my ex and we arent very amicable, yesterday she sent me a picture of a letter from a magistrates for a notice of fine & collection order for a school absence presumably when she took my son on holiday, it’s for £388 with my name but her address on it. This is the first I’ve heard of it and I’ve never…
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Elderly, frail parent refusing home help - can we use LPA?
I will try to keep this brief as there are several back stories leading us to this point. MIL is pushing 90 and lives on her own. We are 400 miles away and she has no other close family. We are currently driving down every 3-4 weeks to do household chores, gardening, shopping etc. She has always refused any other help or…
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Power of attorney - when to register with the banks etc?
I have a power of attorney for my parents. They both have all their faculties still, which is great. I'm just wondering do I register the powers of attorney with their banks now, or wait until any loss of faculty comes? Grateful for your thoughts/experiences.
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education at 17
My son is 17 and wants to be an engineer specifically on the railways in some form or another. He is just finishing a city and guilds in engineering. For this course he found work experience which has led to a job in a mechanical engineering firm. our dilemma is he can't apply for railway jobs till he 18, he is 6 months…
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Topping up an unused Tax Free childcare account for a year
Hello, My partner and I have a 2 year old and have been using his tax free childcare account to pay for nursery (roughly £1200 per month). We're expecting our second child in July, and are reducing our childcare hours dramatically whilst my partner's on maternity leave (about 11 months). We were thinking that it'd be worth…
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Financial settlement
Hi A friend of mine got married about 7 years ago. But her partner left her within 2 months , so they didnt hardly stay together for more than 2 months. No idea where he is now. Their going through divorce procedures now. Can he claim her house etc in a financial settlement? She only has a house really. Nothing else. He…
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How much should we be repaying my family member??
In December 2021 my sister lent us the exact money to pay off our mortgage as she was working abroad and couldn’t buy for a couple of years. We always talked about her having a percentage share of our house which would be repaid when she came back to the UK. when we came to remortgage in March this year because she had…
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Worried about my brother
My brother is 47 and lives at home with my 77 year old mother. He's got various mental health problems (anxiety, mild depression, possible ASD, etc), but he's never been officially diagnosed and has never claimed benefits. He's never really worked either, and has paid no National Insurance. In fact, he barely shows up on…
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Elderly Dad having to go into home
Have no idea at all how this works? Whats the deal with payment - does it depend on how ill he is? Unfortunately, hes got money in savings (£30K) plus he part owns his flat. (Worth only £120K but he owns 40% of it). Tried to tell him for years to spend his money but it all fell on deaf ears..... I hope hes willing to spend…
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Power of attorney - what can I do to protect my father
Hello, my parents set up power of attorney for myself and my sister when my mother was in the late stages of cancer. Never really thought I would need it until my dad passed but… cutting a long story short my father has just been fleeced out of over £4000 for some garden work by some travellers . He has been to Barclays…
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Money Moral Dilemma: Should I share my 'free' £50 voucher with my partner?
This week's MoneySaver who wants advice asks... My partner and I are moving house. I look after our household bills to ensure we're always on the best deal, as my partner doesn't have a clue, though we split the costs equally. I've sorted the broadband for our new place - it's the same speed but cheaper, and includes a…
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House left in Trust to my daughter
I have left my house in Trust to my daughter. My partner is allowed to live there until he dies. Will my daughter have the right to inspect the house while he is living there?
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Lasting Power of Attorney—should it be this difficult?
It took me almost 6 months to successfully create a Lasting Power of Attorney for myself, the attorney being a friend and neighbour, due to the OPG’s bungling. I have recently been diagnosed with heart disease and wanted to ensure my frail elderly mum had ready access to her finances if I wasn’t able to operate her…
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Free Will
Does anyone know if you set up a free will through a service your union has available, if you leave the union does the will still stand?
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