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Tax back on professional membership?
I know this is a really stupid question but for a teacher does this mean the GTC (general teaching council?) and not your union?
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Paying inheritance off mortgage
posted above
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Fed up, tired and confused!
Hello everyone! I could really do with some good advice! 2 and a half years ago me and my wife bought our first house (1 bed home for £110k). We took out a 100% interest only mortgage and at the same time also borrowed £25k both from Northern Rock. The £25k loan was for home improvements and consolidation. Everything was…
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self employed (tax on selling own items)
hi guys dident kno were to put this one having a huge clear out(a few large items weight bench n stuff) to make cash to put to the mort as im self employed how would a few hundred look with no recipt to the tax man any ideas?? thanks kazzys
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Will paying this off our mortgage make any difference?
Hi Everyone Bit of a newcomer on here (although lurking and learning for a long time!). I have a bit of a query that I wondered if you knowledgeable people could help me out on? I have read and researched the relevant articles on here but I'm not 100% sure that I get it! Anyway, here goes.... We have a mortgage of £125k…
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Advice req'd - how to pay this off!
As you can see from my signature we are doing pretty well in getting the mortgage balance down. However I don't work (maternity leave and not going back) and husband's wage is pitiful (and not reflective on our overpayments), So the question is what to do next? Without overpaying any further monies the mortgage should be…
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CCA Unecforceable questions
I've done my research through these forums and am i right in thinking that if you send a request to the creditor asking for your CCA and they dont get back to you within a certain amount of time the account goes into dispute or on hold? Then what steps make it uneforceable? Also what happens if they do provide the…
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Am I doing the right thing?
We have a lump sum to pay towards our mortgage of £20K, mortgage currently £65K. However when I called the building society yesterday they advised that there is a is a penalty charged, which in this case will cost around £160. I'm assuming it is still worth our while repaying as we will be charged much more than this in…
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Length of Mortgage
My current fixed mortgage is due to end at the end of the year and I am planning on paying off a small chunk. By doing this whenever I remortgage, I plan to be MF in the next 6-8 years. However, whenever I remortgage, should I always take out new mortgages for, say, 25 years so the monthly repayments are less, regardless…
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Buy-to-Let mortages - do I have to?...
Switch to one when we only own one property, & we have to rent it out? Basically I've moved out of London to the South & am renting down here, and renting out our flat in London as were only getting stupid offers for it, from the various vultures about. We're no wannabe landlords, just stuck in this downturn like many…
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What do you save on to be MF?
I have just finished my first month of recording where ALL of our money goes - right down to the pennies. My head is now in a spin! I cannot say that it is truly reflective on an average month as DH gets his annual bonus in July so we definately spend more on some things (as well as putting aside some for a new bathroom…
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Debts and O/D
I have a dilema (another one) I have recently had my account upgraded to a student account with a £1250 O/D. For the past year or two I have been paying my debts on a monthly basis at £5.:D My debts now come to about £400. Now, I could carry on paying them at £5 pcm for the next 12-18 months or I could use my newly…
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Mortgage or ISA?
I have a First Direct offset mortgage fixed at 5.49% for 10 years on £76000. My question is should I use my mortgage money to put into an ISA at a better rate and would I be better off getting a regular saver at £300 per month at 7% or a lump sum of £3600 straight away at 6.25%?
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Nationwide - Proud to be different
Good ol' Nationwide. :rolleyes: Proud to be different. :rolleyes: Back in May with only 5 months to my tracker expiring I rang up my trusty provider for the last 10 years to try to arrange a new deal. Nationwide: "Sorry we only arrange deals 3 months in advance at the most" Me: "Well how about I come off my tracker now ie…
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on a fixed rate but also on a dmp
hiya we are on a fixed 2 year rate not due to end till march 09 also on a dmp with cccs I know a bit early but just wanted to see our rate is 5.1% at the moment with natwest Would i have to stay with natwest due to my dmp just woundering what my options are regards
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I will climb my mountain!
Hi all, Im fairly new here came to this site to find info on tax credits i look like having to pay:mad: But the the good news is its pee'd me off so much its sharpened my focus on my money wasting lifestyle. Ive never been bad with credit cards and my credit rating is excellent.But im great at wasting money on nothing. So…
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Ok would you do this ?
Hi all Were currently in a 4 bed detached house with a small morg of 55k , We have been thinking recently with how everything is going up gas elec etc (were 29&35) of downsizing to a smaller home. We only have once child and hubby is self emplyed he doesnt earn a lot bt gets to spend loads of time with daughter which is…
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Confused my capital repayments are being properly processed
Hi folks, I'm hoping some of the more mortgage -knowledgeable of you can help me. I re-mortgaged and started my new mortgage with Abbey on April 1st (this isn't an April Fool!) The mortgage was £81516.00 for 20 yrs and is a tracker at 0.23% above BR (so started at 5.48%) My first payment (21st April) was £427.73 with…
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Get me on the road to being mort free!
What would you do? I 'm keen to pay my mortgage off in next 10-15 years. Don't know how to go about it. Current mortgage fixed rate expires 1/11/08. N/Rock 2gether mortgage (balance is 61k of mort + 13k loan = 74k). Value of flat is around 73k. I guess I may need to get a 90-95% mortgage and a loan to make up the LTV…
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Urgent Help and advice needed on Booker Management Services!!
Hi guys, I am new to all of this and some advice would be much appreciated as we have our first baby on the way and really don't need this stress. I had a Barclays loan which defaulted back in 2001 and it has subsequently gone from my credit file. Booker Management Services took over the debt from Barclays and I have…