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Apple muncher's number crunching
Time for me to start a diary :j. I work 2 days a week, dd is at school and dh was made redundant in the summer. We are living carefully, although the redundancy money is being nibbled away at of course. We are fortunate to have no debts other than the mortgage, so I would like to get rid of it! We'd also like to have a…
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Resourcefulness: The budgeter's friend
Happy New Year to readers old & new! Well, it's time for a new chapter. My old diary ("Put away your purse & become debt averse") achieved pretty much what I intended. I shared the story of how I got into debt at the age of 19 & stayed that way until a pretty enormous lightbulb pinged on during my early 40s, I've shared…
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Lime mortar frustration
I need to repoint a small area of the front of my house but cannot seem to buy a small amount of lime mortar for the purpose (Victorian property), it all comes in 25kg bags, any ideas?
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Claiming off house insurance for contractor's mistake
Hello
Everyone, I had a
plumber fit a new heating system last year and now one of the joints he fitted
has failed and caused a lot of damage. Although he has admitted using the
incorrect type of fittings (against manufacturer’s instructions) he is denying
responsibility – because he’s always done it that way. I have proof…
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Selling a stamp collection, advice needed please
Hello, this is intended for any stamp collectors who are proficient
with buying and selling. I have a collection
that I wish to dispose of and I need some advice. I’m not jumping
into selling yet, no rush there, this is really about managing
expectations when I don’t know what I’m doing. The collection is
English First…
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Interesting report about retirement lifestyle (Quilter Retirement Lifestyle Report 2025)
I just came across the report about the attitudes and health of retired people. It is interesting to see that spending is far more realistic compared to the Retirement Living Standards: from PLSA or as they call themselves now, Pensions UK. It suggests that the average retiree spends £22,141 annually, with holidays,…
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eBay simple delivery (merged)
This thread has been created by combining posts from more than one thread
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Buiying a new car with exisiting debt
I've just finished my PCP agreement for a car (£330pcm). I need a new car but have the following set of circumstances: - Credit Score 847/999 (Good) - Personal loan / £7,400 to pay of £10k / No missed payments - Mortgage / £184k left to pay of £201k / No missed payments - Credit card / £10k but 88% utilisation / No missed…
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Time to look at energy deals
Hi I have an alert my energy deal ends in September and I've had a brief look at the price comparison. I have used the data from full year last year as its tricky to do so for this year. Currently with edf ELECTRICTY Tarriff 22.82 p Standing charge 70.33p Gas Tarrif 5.96p Standing charge 30.28p I did the energy club…
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Trading 212 cash savings in S&S ISA
I have money in both Cash ISA and S&S ISA with Trading 212. I have noticed that I have a cash balance of around £50 from dividends in the S&S ISA which is getting 4.1% interest, better than the 3.85% which the Cash ISA is paying. I have already transferred money from Cash to S&S and invested, but can I transfer to S&S from…
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What's the purpose of this strange return pipe?
Hi, In the kitchen the return pipe has a kind of angled deviation. What's it's purpose? Since on it sits the TRV I want to move it to the other end, in order to have the TRV on the flow. Is there anything preventing it due that angled deviation? It makes me think of a flushing system and I definitely don't want to trigger…
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Advice needed: CLAIM form received on charge given for parking in own resident space
I've received the following claim form through the post and don't how to proceed from this point and need advice please. I received a parking charge notice for a vehicle parked in my parking bay at the communal parking area of my block of flats. The charge was for not displaying a valid permit. I disputed and argued that…
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Secure Parking Solutions - failed appeal. Do I have hope?
Hi everyone, (using ChatGPT to make this easier to read) I’m looking for advice on a private parking fine I received shortly after moving into a new flat. It was issued by Secure Parking Solutions (SPS), and while I’ve already appealed and been rejected, I’m now deciding whether to escalate it to POPLA. Here's the full…
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More WIRE than FIRE, simplifying, saving and savvy spending
HI :) I've been around the boards for years - I learn so much from other MSE-ers and find having a diary truly helps me keep track of what I'm doing £££-wise! However, I neglected my last diary and life has moved on since then, so it seems sensible to start over. My overall goal has been to retire early (FIRE - Financial…
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PCM - High Point Village/Hayes and Harlington Train Station PCN
Hi all, Firstly, my sincerest apologies for creating yet another thread as I'm aware it is frowned upon creating duplicate threads. However, I'm still a little confused and it was either this or hijack another thread which I'm aware is equally a peeve for forum members. Anyhow, I have read the newbies sticky thread and…
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Does this open the floodgates for counterclaims?
Can people use this as a precedent to counterclaims: https://www.bbc.co.uk/news/articles/ce83n7j7p6po
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UKPC -- Parking outside of bay, Valley Retail Park (Croydon)
Bit of an unusual one here... There was a bird in the parking bay, as the attached photos show. I think it was a bit injured. Anyway, I wouldn't want to injure it (and to do so would be illegal), so I parked adjacent thinking it would move, and I would then straighten up. But it didn't, so I just popped into the shops…
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DCB LEGAL RECORD OF PRIVATE PARKING COURT CLAIM
Hi. I have done some work for DFS Cardiff in 2021 as a subcontractor. When I arrived first day to start the job for a contractor through the induction process they took every contractor’s car registration to allow park in parking lot which belong to DFS , I finished my job after one week. After 10 days I got 7 PCN . ( for…
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Parking Control Management UK Limited - Moorside Legal - CNBC Claim form
Good morning all New member here, first post! Thanks for having me I have received a PCN/CNBC claim form and attempting to fight it I have spent a lot of time reading the newbies thread and a lot of other threads linked within there, sure is a lot of reading! I was hoping to get some advice and opinions from you all I…
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Daily Mail rewards club thread 4
Welcome to the Daily Mail Rewards Club thread. If you wish to join the scheme you can here https://mailrewardsclub.mailonline.co.uk/WeekendClub/register If you are already a member you can log in here https://mailrewardsclub.mailonline.co.uk/WeekendClub/login The rewards catalogue can be found here…
