Savings & investments

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.…

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.…

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

Hello Friend recommended moneybox as a good way to start investing. Any one used then on here before? Thank you

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…

Do the monthly payments have to come from TSB account or can it come from external account? Many thanks

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…

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…

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…

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,…

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…

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…

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…

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…

This discussion was created from comments split from: Weirdest Christmas flavours | 2025.

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Was anyone else holding this gilt (which matured today) with HL? I have a long running transfer out (I believe the blame for the delay rests with the receiving party!) whereby I was told this asset was still in HL custody. I received the final coupon in HL today but no sign of the principle repayment. Was anyone else…

I’m sure this has been covered many times from different scenarios but simply, can I move £20k from my savings into an ISA in my wife’s name to lessen my tax burden without any tax implications. I realise that the money will effectively be hers if I do it. Happily married for 30 years and she shows no signs of leaving me…

iWeb has now moved to Scottish Widows and I can see my GIA and ISA on Scottish widows website. How do I register to see these on the Scottish Widows app? Apparently I should be able to do so but I end up getting nowhere. Any ideas?

Hi All, Hoping you can help steer me in the right direction. I am a 45 yo who has decided to start investing, so that I have more money to enjoy in retirement or, leave it to my kids if I pop it before I get to enjoy it. But I am feeling a little overwhelmed at the options. One thing that seems to be a no brainer is the…