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Where to park my money
I am looking to minimise my tax on my savings interests and investments. To minimise CGT, I am planning only to sell when I can move my investment into S&S ISA. In terms of ISA allowance, for April 2026, I am planning to use money from my savings account to invest into a S&S ISA. For April 2027 ISA allowance, the options I…
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Interest on fixed rated bonds
I’ve just had issues with Nationwide and their handling of tax on my 3 year FRB. They credit the bond annually with the interest for that year, and tell HMRC that i have received this. However i can only access the money on maturity. I have put down the entire 3 year interest payments this tax year, and didn’t realise that…
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Unable to login to Raisin
Raisin keep sending me nag emails telling me my monthly account statement is available. This is despite the fact I have not held an account with them for years. So I tried to login… After entering email address & password followed by 2FA, I get this:- The 'Confirm' button remains greyed out so I am unable to proceed. I…
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ISA yearly allowance
EDIT - Has now contacted share dealer. EDIT - Finally believed £20 limit, reversed 2nd ISA. As I read it, you have a £20,000 allowance to put into any combination of different types of ISAs. My partner put £20,000 into a cash ISA earlier this year and has today opened a Shares ISA "using" (maybe, I know nothing of shares.)…
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How to sell my paper shares?
Hi, I wonder if anyone can give me some advice please? I bought some shares about 25 years ago. I have the paper certificates. They are worth about £1k. What is the best / easiest method of selling them? I want to get the cash and reinvest it somewhere else. Thanks in advance.
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Help to save regular payment not showing in help to save account
I set up a regular payment (standing order) to leave my bank account. I copied the account number, sort code and reference exactly as it was. It needed a 'name', so I saw people on here had just named it something like HTS so I did and it came up 'it's a match' on my banking app. Anyway, the money has left my bank account,…
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Savings Account for someone in a care home
Hi, My Mum is in a care home suffering from vasculal dementia and my brother and I have recently sold her house. The money from the house sale is sitting in Mum's Virgin Money current account. My brother and I both have Power of Attorney, so I imagined that creating a savings account with Virgin would be relatively easy.…
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SAYE Options
Hi, I’m in need of some financial advice please. In the next few weeks I have a SAYE policy maturing. The current value is over £25,000. I’d like to keep the shares and know I can transfer the shares to a stock & shares ISA, as long as I do an In Specie transfer.…
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NS&I Withdrawal
Good morning, About thus time yesterday, I made an online withdrawal of £10K from my Direct Saver. I believe it is supposed to reach my current account today. What time do NS&I funds usually appear? Thanks in advance, Misha
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Moneybox investing
Hello Friend recommended moneybox as a good way to start investing. Any one used then on here before? Thank you
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Single, no dependants, self employed. Best setup for SIPP, LISA, SSISA ?
I pay myself basic salary for NI contributions (12570 a year) then take about 35k dividends to cover my lifestyle (rent, food, shopping, holidays) That leaves me with about 100k in my company accounts after all corporation and VA taxes are paid. My plan is to then: Take 4k dividend, put straight into LISA Put 20k into SIPP…
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TSB monthly saver
Do the monthly payments have to come from TSB account or can it come from external account? Many thanks
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Principality online banking
Principality's 2FA text messages didn't seem to be arriving, or perhaps not being sent (this seems to happen from time to time, but trying a few minutes later usually resolves it), but no luck with it this time, and now their online banking site seems to be "offline for maintenance". Has we all in effect knocked their…
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The Banking & Savings Spreadsheet Discussion Thread
Welcome to this thread. The aim of this thread is provide a place for people to discuss how to set up and manage their banking and savings spreadsheets . Feel free to use this thread to ask any queries you may have about spreadsheets, share any tips and tricks you may have and discuss how you structure and manage your own…
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Change Mortgage to Interest Only to Invest the Capital Repayment Element
I would appreciate some advice about the benefits/risks of changing my mortgage to Interest Only (which my bank offer subject to conditions) for the remaining 13 years, instead of paying the bank I will invest the £1500 (per month) capital repayment element Current Situation - balance is £240000 (50% LTV), ive got about 13…
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Full sovereigns vs Half-sovereigns for long term investing?
I'm looking at trying to accumulate some physical gold (isn't everyone), and wondered if anyone here prefers full-sovereigns or half-sovereigns. It's essentially a long-term hold, just so I have some physical assets. Half-sovereigns would be slightly easier for me to accumulate, for cashflow reasons. From what I can see,…
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Small Windfall and what to do?
Hi all, I have recently received an insurance (RTA) payout to the tune of £7,000. I am thankfully recovered from my injuries and there are no lasting effects on work, hobbies etc. I am trying to make the best decision for the here and now as to what to do with this money. I'm 48 and have a good career with current gross…
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INC vs ACC - are my sums right?
How do you estimate what income you'll get from INC versions of a fund, vs the ACC price. All my S&S are in ACC funds, and thinking of switching, but have I got the maths right. (appreciate this is all "in-hindsight" not what will happen) Take my HSBC Global fund The ACC version was at 273.52 in Jan 25 and now 296.65 The…
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Parent savings account
Hi, My mum and dad have a joint current account and separate savings account. My mum needs to get access to his savings account. My dad has had a stroke and also has Parkinson’s because of these he hasn’t got much of a memory and can’t remember his password. The bank have mentioned power of attorney but my mum doesn’t want…
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Certificate of Interest - Self Assessment
I was doing my Self Assessment and started checking my Bank Account for Interest I got in 2024-2025 - unlikely to be anywhere near HMRC allowance. To my surprise it's not possible to get one for Halifax via Digital Banking. This got me thinking - do I really need to report £2.21 interest I gained in 2024-2025 - I then…
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