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Tax free childcare - Nursery closed down
Hello everybody We pay our nursery fees in advance through the “tax free childcare” account. The nursery has ceased trading but owes us money (about £1k) which the director is refusing to refund. Are there any options to reclaim this? I was wondering about contacting the tax free childcare team or my bank? Thank you!
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Care home fees - council funding after self funding runs out
Hi, hopefully this is the right place to post this. My father received a dementia diagnosis at the end of 2023. For a couple of years prior to this he gifted me the maximum amount of tax free gift (£3k). Once his ability to self fund has run out and he gets down to the £24k minimum, is this tax free gift able to be claimed…
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Money Moral Dilemma: Should I ask my ex-fiancée if I can have the engagement ring I gave her back?
This week's MoneySaver who wants advice asks... I asked my (then) girlfriend to marry me and she said yes, but not long after she changed her mind, and we soon broke up. No one was to blame; we just grew apart. We have two children together and we're still on good terms. I have some money struggles - nothing too bad but it…
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Financial Consent Order Form D81
Ex husband and I split up amicably and obtained an online Divorce (Final Order) in May 24. We have agreed to split home and savings 50/50 and he is living elsewhere. We are both retired and have separate SP and DB pensions. We have agreed to keep our own SP and DB pensions and neither will claim on the other. No children…
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Joint accounts
We have joint accounts for work and state pensions? We have set a monthly standing order years ago for our adult son and grandson? That’s surplus pension income. Will that be considered deprivation of assets if one of us need care in the future.Might it be better if I transfer my pensions into my sole account? Not sure…
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Passport renewal and divorce
My UK passport has ran out and I am looking to renew it. I am going through a divorce at the moment but I do not intend to change my name after divorce, which I understand I am entitled to do. Can I renew my passport now and not have to change it after divorce because I am not changing my name? Do I need to inform the…
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Turning 16 - what to consider financially?
My eldest daughter is going to be 16 soon and we’re trying to help her consider everything finance-related for a 16 year old. She already has a bank account and now has her NI number. She’ll get a 16-25 railcard (using Tesco points of course). What else should we be thinking about? ISAs? Anything else she can get once…
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Separation Agreement and Pension
We are looking to apply for a consent order but there is now a delay with getting a CETV from the Teacher Pension Scheme, so we are thinking about getting a separation agreement as that could allow me to buy my husband out of our home and he can go and buy a new house. Has anyone had experience or have knowledge of a…
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Friend is annoyed I am not going to a game with him
Me any my best friend have gone to rugby games together since we were in primary school. There is a game coming up in a few weeks that he really wanted to go to, and so do I, however the game is a week after my girlfriend is due to give birth so I told him months ago I wouldn't be going and he seemed with it. But now that…
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Birthday and Christmas Gifts for friend’s grandchildren…
I’d be interested to know if anyone else here buys gifts on birthdays and Christmas for a good friend’s grandchildren? I’ve been doing this for a few years but I have to admit I’m wondering whether to stop. It’s not as if I ever see them either. It’s not about the money as such, it’s more whether it’s a sensible thing to…
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Announcing pregnancy
My girlfriend is 13 weeks pregnant and we’re going for our scan tomorrow. We have kept the pregnancy secret from absolutely everyone and agreed to tell our family once we’ve had the scan. However, now it’s nearly time to announce the pregnancy I’m starting to feel nervous about how my family will take it. Back at the…
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Parent moving to care home, wants me to live in her house with my family, what about my sister?
This is quite a likely scenario, my mother has been diagnosed with early stage alzheimers, she's expressed a preference for moving to a care home (when the time comes she needs full-time care, and I'm hoping a care annuity from her savings can cover this), and for me to move into her house with my wife and child. I would…
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Short marriage - What to do?
Asking on behalf of my son. His wife has left him after less than a year of marriage. Her decision came rapidly and unexpected. Not that the reason is relevant just establishing why DS head is currently in a spin over it all and not completely aware what he legally needs to do. I'm aware they can't divorce until they've…
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Lending money to family
I have been asked to borrow about 3k to a family member with bad credit he is wanting to consolidate his debts into one payment he can’t get a loan out because he has bad credit he says he will pay me back every month. What are peoples thoughts on this?
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Marriage tax allowance
Hi everyone. I got married in 2016 and we've had a child in 2021, my partner stopped working and I claimed marriage tax allowance. We were successful and my tax code changed to 1389m and we got a cheque through the post but a couple of weeks later we had to pay that money back! Is it me or is it a waste of time backdating…
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Separation
My wife of 25 years, has decided she wants a separation, At
first everything was amicable, we have done a separation agreement which she
still has not signed. She is now starting to get difficult. We agreed on 50-50 split of the house, and for me to pay for
my 17 year old, £100 a week, until 18 or finished education. She…
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Divorce financial settlement - chasing ex's solicitor
Id politely requested a response from my ex wife's solicitor by 24th May to my letter, which was a month after they had received it. Coming up to three weeks on, is it OK to email the solicitor asking for an update?
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Gifting second property to child vs. gifting money - most sensible option?
I'm wondering what is the best option for my mother who has retired abroad and owns two properties in Scotland. * Property A was her primary residence for 18 years and was rented out for 2 years. It's value is about £430k. There is £20k left on the mortgage. * Property B was her primary residence for 4 years, and for the…
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Divorce and Financial Settlement
I am currently going through a Divorce awaiting the conditional order period to lapse. I did want to apply much earlier however family court proceedings were the priority, the outcome was that I now am the Primary carer for our two Children aged 12 and 6 and we currently still reside in the family home. The boys Mum…
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Separation Advice
My nine-year unmarried partner and I recently separated. I moved into his rented house when we initially started dating, after four years, he had saved up enough cash to buy his own place. He had stated that he had worked extremely hard to save for a deposit and that someday the property would go to his daughter (from a…
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Most recent: Child maintenance increase by sheramber
22 June at 1:11PM
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