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Is someone breaking the law?
Hello everyone, I am looking for some advice regarding my mothers sister who was sectioned over 1 year ago and still is to this day, the other day i noticed her car parked outside a relatives house, checking online I noticed a new v5 was issued 2 months ago, taking into account that my aunt is incapable of making decisions…
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Transfer of a property as part of consent order
Hi me and my husband are sadly divorcing we had agreed that I would purchase his share of the family home and I’ve just received a consent order from the courts which states that he is to give up all his rights to the property within 28 days and then I am to transfer the money to him. Can anyone please tell me if I need a…
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Moved nearer parents - big mistake
I pop up from time to time....and really need some help. Not judgmental help, but constructive 'maybe try this' sort of help. I returned back to where I grew up last year and have struggled ever since. I had a great job and house elsewhere, but felt I had to return to help my mother with my father who has dementia. My…
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Moving from a Joint to separate Bank Accounts
Husband and I have had a joint bank account since we bought a house together 12 years ago. Our relationship is not in the same place it was before and money has become a huge issue for us. We both bring in equal income however we have different ideas of how we want to live our life now and there is an element of…
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Scotland guardianship
I hope this is the right forum for this, apologies if it is not My mother-in-law was admitted to hospital at the weekend having suffered a massive stroke. She is alive but completely unresponsive and things are not looking good. We are not sure what will happen next, whether there will be a partial recovery or the worst…
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Money Moral Dilemma: Should we leave our friend out of rounds at the pub?
This week's MoneySaver who wants advice asks... My mates and I regularly go to the pub for a catch-up, taking turns to buy rounds. One of our friends often 'conveniently' disappears to the toilet or goes for a smoke when it's his round. We've spoken to him about it, but nothing's changed. Should we start to leave him out…
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How do I tell my depressed husband I've just lost my job?
My husband is clinically depressed and lost his job last summer. He is coping, on medication but is very fragile. I have just lost my job - again (I have been made redundant twice in the last 8 years). How do I tell him? It takes months to get another one as I am in a quite well paid field, consequently our mortgage is…
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Money Moral Dilemma: should I charge some of my flight change charge to my friend?
My friend and I purchased flight tickets to go on a holiday. Now a month til we fly, she can’t find her passport and wants me to go alone. I don’t want to go alone and I’ve suggested that we change the tickets but that is going to cost us around £200 each. Should I charge her at least half the change amount?
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Swaps on weekends
I've been separated from my ex husband for over 2 years now. We have a 3yo daughter together. He sees her every two weeks overnight, which is his choice. I wanted to do a swap on one of his weekends recently and I've noticed that he does not respond to my emails on purpose to leave me guessing. He's never on time to pick…
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Nuisance children
Hi all I'm looking for some advice. One of close neighbours 3 children are constantly knocking on my door. They know my son and daughter have a bike and they want to use them, never have I heard them say can my children go out to play its just wanting to use the bikes. Sometimes I let my children go out but when they cant…
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Money from parent
So my grandad is wanting to give his children a lump sum each. The question is can he just give them a lump sum or will they be eligible for inheritance tax?
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Car finance in ex partners name
Looking for advice on where I stand in regards to "my" vehicle. It was purchased over a year months ago on HP and went in my ex's name as at the time he had a more favourable rate. Shortly after this I was diagnosed with a critical illness and had to go on long term sick (reduced income…, will become relevent shortly) The…
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Tax free childcare cap
I've checked and can't see that I'm breaking any rules by sharing so hope this is okay to post, but please delete if not... It's definitely on the topic of moneysaving! I'm really missing being with my son at the moment as I love this age (he's just turned 14 months) but have to work full time. To be honest it's making me…
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Looking for Help - Relationship / Recovering Alcoholic
Good afternoon! As the title says, I'm looking for some advice please. Basically I'm a recovering alcoholic, sober 5 months, and my relationship is starting to unravel, if it hasn't pretty much already. I am an active member of AA and am currently working through my steps with my sponsor, and I have requested that I am…
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Is my wife being unreasonable?
Hi all I'm starting to resent my wife but not sure if I need to be more accommodating or if she does. A few years ago, she came into a new religion and part of it means she can't do any work on a Saturday, or anything that requires people to work or spend money. This means the only recreation outside of the house is going…
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Eharmony ‘deal’ - don’t bother
This old chestnut is back! Tried it last time through MSE link, entered all details and answered extensive questions only to get the end where payment was required. I queried this with Eharmony and was told it was nothing to do with them and wouldn’t honour the deal if it hadn’t come through on the link. Complete waste of…
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IHT403 (Gifts) - declaration of £250 gifts over and above £3k annual allowance?
I'm completing IHT403 (Gifts and other transfers of value). In the last few years my late mother made a series of gifts (usually cheques) to her children and grandchildren. Most of these gifts were £200-250 each, but cumulatively amounted to >£3k in the year in which they were given. The instructions at the top of the form…
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Ex Partner Remained in Our Home and is Wrecking It.
I left my sons' father in 2015 as our relationship was terrible. He refused to negotiate at the time, our kids were then 3, 6 and 8. We owned a house together as joint mortgagees and £35K was outstanding then. He took over the mortgage as I rented from the council. I left the house with him in good faith and it was in a…
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Issues with 18 year old at home
Ok, so we have an 18 year old living at home. Spends 99% of time upstairs in their room playing Xbox and goes to college (when they feel like it, and if they do they are always late) and from conversations has no interest in getting a job. Will eat loads (had a full tea last night, then had a huge bowl of cereal after and…
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How to assess a good primary/secondary school?
As I am searching for properties, when it comes to location, I am also trying to take into account the schools and their quality. I am now finding myself confused more than ever because there seems to be a general view that schools in south of Manchester are better than those in North of Manchester. News and other…
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