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Loaning money to mother in law options
My 83 year old mother in law has been diagnosed with spinal stenosis and needs an urgent operation. The wait on the NHS is over a year and she cannot wait that long so has looked at the option of going private. However, the cost is £20,000 and she can't afford the outlay in full, but my wife and I are in a fortunate…
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Mums inheritance in Dads name
Currently trying to sort out the complete mess that is my parents finances and an interesting question has arisen. They are of a generation where the husband looked after everything on the financial side. Their main bank account was always his account, although this has in more recent years been converted to a joint…
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40 years old and friendless
I am 40 years old and completely friendless. I haven't had friends since leaving secondary school and even they weren't 'good' friends so there's no one I would really want to get back in touch with. I have had acquaintances etc when I've worked who I get on well with but since having to give up work when my youngest was…
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Limits Of Lasting Power of Attorney Abilities
Some advice please folks? My mum is a Health and Wealth LPA for my dad who has dementia and Alzheimer's diagnoses but no assessment as yet of his Mental Capacity. Myself and one of my sisters are also Health and Wealth LPAs for both parents. My dad has 2 pensions which make him a 40% tax payer. My mum is a non-taxpayer. I…
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Dad is homeless
Hey guys, Story starts with my Dad being an alcoholic. Me, my Mum and my Dad all lived together until my Mum had enough. Whilst my dad was never violent he was vile with the mental abuse he gave to my mum. So one day recently my mum had enough understandably. She called the Police and got him arrested and now obviously…
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Partner owns house. I paid for extension. Now pay off mortgage
A few years ago I moved into my partners house. Around 18 months later had a baby. Now have another baby together. We have a bit of a funny relationship in a way, I feel. Especially financially. No joint bank account, bills all in his name and I transfer x amount to him each month. Around Jan 2020 we had his house valued.…
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Divorce - Clean Break roadmap
Hi, I’ve just applied for my conditional order. We’ve only got one asset that we’d like to divide via a financial order and that’s the house 55/45. Ill hopefully be brought out, otherwise it’ll go on the market. Is the procedure to wait for the conditional order, then get the financial order drafted by a professional (it’s…
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After some advice re my parent
Not sure why Im posting, I guess Im after some advice, who I can contact about it or if anything I can do. Lately my mum seems to be getting days of the week mixed up, dont know why, its only been say last month for example I texted her yesterday to say id be home on Monday and we could have so and so for tea, she replied…
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Protection in the event of re-marriage/ new partner
We want to word our wills so that our assets pass to each other and subsequently pass to our natural children but not to children of any new relationship that the surviving partner might enter into. Has anyone done this ? Could you supply me the wording ?
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Council applying for deputyship - unsure of all the implcations
I'm probably posting a little prematurely regarding this but I want to make the right decision and do whats best. I lost touch with my dad about 15 years ago after many years of only receiving birthday and Christmas cards. I have tried to find him (he moved) and his brothers family without any luck. A couple of days ago I…
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Power of Attorney
Hi all - My wife had Power of Attorney over her mother's affairs until last weekend when she sadly passed away. What is the position of this responsibility now? In short, can she legally still access her mothers banks accounts?
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LPA - Instructions if one joint attorney dies to allow the LPA to continue.
I am trying to complete a Finance LPA and a Health LPA. I have the same problem with both.I am the donor. My wife is the attorney. If she is not fit, then my three adult children take over as replacement attorneys. I have written an instruction allowing them to take some decisions jointly and some severely. So far so good.…
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Why am I so upset about this
Please be brutally honest with me. My parents moved into a bungalow more suitable for their elderly needs, when they told me and my 3 siblings I felt rather sad because it was the end of an era and we had so many memories attached to our family home of 50 yrs+ but they were keeping the house, they took out the contents…
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Care Home asking for taxi fare to attend hospital appointment
Hi I am not familiar with Care Homes and costs and will appreciate your advice. My brother went into a care home after the carers attending to him at his residence decided that it was not safe for him to continue living on his own due to poor health etc... I went to visit him recently and he told me that the care home want…
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Money Moral Dilemma: Should I give my cheating ex his half of a council tax refund?
This week's MoneySaver who wants advice asks... I just received a letter saying I'm to be refunded £179 for overpaid council tax from 2016/17. I lived in that property with my now ex-boyfriend and we split the bill equally, though it was in my name. Since then he has cheated on me, which lead to us breaking up and moving…
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Birthday dinner went wrong
I have a friend I’ve known for over 10 years. Each year there are there of us who go out to have dinner on each others’ birthdays. Traditionally the others pay for the birthday person. This year when it got to my birthday he seemed reticent to go out and, in fact cancelled last minute saying his shoulder was playing up.…
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Do I need to notify HMRC about ex-partner moving out?
My girlfriend of 7 years and I have split up. She is not on the mortgage, we're not married, and she now has new accommodation. This happened early in July '23 (2 and a half months ago). I've been told by a friend that I might need to notify HMRC of this change of circumstance. I have not notified HMRC of this yet. and I'm…
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Divorce - Pension
Hello I am going through a divorce currently and I am in the process of obtaining a cash equivalent transfer form to see how much my pension is worth & to send to the other parties solicitor. I work within the police and have been in the force a couple of years. However, I was only paying into the pension for the first two…
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Struggling to keep pregnancy a secret
My girlfriend took a pregnancy test last week which said she was pregnant and we work it out that she is currently 4 weeks pregnant. She has made an appointment with the doctor to give us some advice on where to go next and by the time she has seen the doctor she will be almost 5 weeks pregnant. We have agreed that we…
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Where to find reliable financial advisor for old age care for my mother
Sadly my father passed away recently, and until the end he had essentially been my mother's 'memory', remembering things for her, since she has a diagnosed condition called 'mild cognitive impairment' which is similar to early stage dementia. I live nearby and intend to see her every day, but I'm not always going to be…
A place for mums with kids of all ages to discuss parent MoneySaving matters.
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13.8K comments
Most recent: Proof of married name? by nameswitch_advisor
27 October at 5:36PM
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