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UK armed forces MoneySaving

A place for MoneySaving talk by current and past members of the forces and their families - discounts, living overseas, readjusting to civilian life etc.

Forces Help To Buy and Letting
Whilst in training we had a talk from a guy who told me I could use FHTB towards a property that I intend to let. I spoke to my lender and they have agreed to give me a residential mortgage on a property with a 'consent to let' agreement. I'm in the process of booking viewings for properties and stumbled on an article…
Electoral roll
I have registered as an army voter and I'm registered on the electoral roll but as it is not at my place of residence this is having an adverse effect on my credit score and rating. I am reluctant to register at my home address simply because I'm based in Northern Ireland but originally from Scotland and wish to remain…
Pension or Gratuity
When I was de-mobbed from the RAF in 1973, I received a gratuity of £280. I completed a twelve year term, although with Apprentice training, I served nearly fifteen years. In those days, I believe that twenty two years was the minimum term in order to receive a pension. Just out of interest, have any viewers of these…
So where are annual rises found?
I folks having done a 22 year stint with the RAF and then another with the Fire Service, so I am keen to keep an eye on where my next £ note is coming from. I understand that Gov pensions are linked to the Sept CPI index rate of inflation published by The Office of National Statistics (ONS) with the pensions being adjusted…
Board Guide call out!
Hi everyone We're looking for a new Board Guide for this board helping guide forum members around MSE guides and the forum, helping keep it running smoothly. We'd need you to also help out on a few other boards too so if you'd like to help us out and join our band of volunteer board guides please post below to volunteer…
EE Mobile Discount Code
Morning, Does anyone have a discount code to get 20% discount from EE please? They no longer honour showing your ID Card. Thanks
Served as a boy
Hi I served in the RN from Feb 72 to Dec 78, joined as a boy at 15. HMS Ganges. Is there a pension entitlement now I'm aged 60? Thankyou
Betrayal of Armed Forces Pensioners
THE BETRAYAL OF OUR ARMED FORCES PENSIONERS A pensions ANNOMALY that is resulting in the GROSS BETRAYAL of a tiny group of ex Armed Forces Career Pensioners by the MOD and Government, with glaring silence from MP’s across all parties. Over the past 5 years all approaches to Downing Street, the Royal British Legion (RBL),…
Military money / Utax scam / kit insurance
Hi all, Wanted to cover as much as possible in 1 article so if guys are lucky enough to find it then they will get squared away all at once. Firstly regarding the tax reclaim companies that everyone seems to be talking about at the moment. While you can do these claims yourself ( and some do ) most guys seem to be using…
Adding someone on to council tax for travel expenses
Hey guys, my mother is trying to add my name on to the coucil tax bill to show that I financially contibutes to the house but when she phoned them they said they can't due to it being private property, which she owns. Is this correct? As I am aware of other people being able to do this. Thanks for any information you guys…
Tesco to BFPO addresses?
Has anyone heard,read or seen anything about Tesco doing deliveries to BFPO addresses? , it seems on a FB page at one of the bases, there has been news of an impending announcement. Of course, it could be clothing only.
Royal Navy Pension, Am I entitled ?
Not sure what department to ask about this so I'll just throw my situation out there and hopefully receive some good news and a little guidance. I am 57 years of age and I was in the RN from 1979 through to 1989, (or maybe 1990, I honestly can't remember). Am I entitled to an Armed Forces Pension and if so where do I…
Credit Checks When Joining The Armed Forces
I'm wondering if anyone can help me please. I want to join the Army once I've finished University next year and when I've spoken to the careers office on the criteria and what I need to pass etc. They only mentioned the fitness tests, the BARB tests and Medical check... But I've just read somewhere else that they do a…
Security Clearance & Bad debt
Hi all I hope someone can help I have recently got a job as cabin crew flying for the military however have had some bad debt previously (well under £5k) and also got a fine on a train that later turned in to a conviction around a year ago but is now paid. Does anybody know if I would pass my SC Security Clearance or…
Rewards for Forces
Has anyone purchased one of these cards? Is it worth it? They are offering a card for £12 at the moment with a cinema ticket deal so I wondered whether it's worth purchasing the card or just using an id card instead.
Charge Tony Blair with his crimes.
I'm not sure how popular Mr. Blair is with forces personnel. I've posted this petition everywhere I thought it may get some support. As you can see there isn't much time left. Hope you can support and circulate to areas of the net I've never heard of. Thank you..._ https://petition.parliament.uk/petitions/108495
War and preserved pension
More than likely done before but 340mg of morphine a day doesn't help concentration! Is there any way you can get any money from these pensions? I am in financial meltdown and really need an answer! I get 90 percent attributed war pension and my preserved was paid early as I can't work due to severe disability. Sorry if…
Appeal against Medical Decision
My Son has been going through the process of joining the army which is all he has ever wanted to do, unfortunately he has been declined on medical grounds based on the GP records. It is based on the fact of Autism/Asperger's and Milk intolerance as a baby!!!!!. Firstly I am so angry as he has never had a full diagnosis of…
ELC IT / Business Courses
I have £6,000 ELC funding. (£2,000 per year for 3 years). I'm out of the forces now. I've been looking at some of the IT courses. They are mostly distance learning courses, which suites me as I know T+S is not included in the funding. Does anyone have any experience and / or advice on which of these courses are any good?…
Visiting London
Hi, I'm visiting London with my wife and i'm curious to find out what attractions i can see with my ID card or any discounted places of interest to visit.

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MSE News

Martin Lewis: How to call your bank with just three digits – as 'anti-scam' phone number called over a million times
One million calls have been made to the '159' anti-scam phone number since its launch in 2021, new figures reveal today (Wednesday 30 April). MoneySavingExpert.com founder Martin Lewis – one of the well-known faces most used in scams – explains how to call your bank by dialling just these three numbers.
Revealed: Holland & Barrett's supposedly cheaper 'Subscribe & Save' often costs more – it's promised a review after our investigation
Holland & Barrett's 'Subscribe & Save' scheme claims to offer regular shoppers "the best value" – but it failed to do so in the majority of cases MoneySavingExpert.com checked over a five month period. The retailer has now promised to review the scheme after our research found it was often more expensive.
Don't get your passport by post – 360,000 paid more than needed last year
If your passport is due for renewal, apply online if you can – it'll save you £12.50. More than 7 million Brits did just that last year – but over 360,000 missed out on savings by using a paper form instead, MoneySavingExpert.com can reveal.
Sainsbury’s Bank customer? NatWest takes over this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Chase customer? Check if you can get its newly boosted 4.8% easy-access saver
If you've got a Chase account, check if you can boost your easy-access savings to 4.8% – made up of a 1.8% AER fixed six-month bonus plus its standard 3% variable rate. Chase says over 2 million customers can get the boost, which would top our normal savings tables if it were open to all, though it's beaten by the top easy-access cash ISAs.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Martin Lewis: Is the £20,000 cash ISA limit about to be killed off? What savers should be doing now
Plans to cut the £20,000 cash ISA limit later this year are being considered by the Government. In his latest video, MoneySavingExpert.com founder Martin Lewis explains what's likely to happen, what the changes would mean for savers and what you should be doing now.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from 1 May. For most, this means little change for now as the Sainsbury’s brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, you'll need to move any excess elsewhere to ensure your cash remains protected.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
From Thursday 1 May, Sainsbury's Bank credit cards, loans and savings accounts will be run by NatWest as part of a deal between the two banks. You'll be moved to NatWest in the future, likely towards the end of this year, but for now the Sainsbury's Bank brand will remain and you can continue to use its products and services as before.

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UK armed forces MoneySaving

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