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Mcdonalds Food for thoughts
Does anyone have a 12 digit code from their receipt that they don't need please ? Would be very grateful - I stupidly threw mine away after visit yesterday
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Settling in for the long haul
After avidly reading others’ diaries over the past five years, it feels like the right time to shuffle in and create a cosy little corner of my own. Following the example of those much wiser, I have cleared a large amount of debt, including a hefty overdraft, student loan, credit cards, bank loans (that were consolidated…
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The New Top Easy Access Savings Discussion Area
This thread is for discussion of the Easy Access Savings Guide A previous version of this thread which ran from Nov 2007 to June 2024 can be found here: https://forums.moneysavingexpert.com/discussion/596724/the-top-easy-access-savings-discussion-area/p1
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Increasing value for House Sale
Hi everyone. I have a couple of questions about selling my house to maximise its sale price. I know an estate agent would be ideal to ask but i'm in the doing it up stage to make it look nice for a sale and am about 2 months away from starting the process so just wondered if these things were worth spending money on.…
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2026 Mortgage-Free Wannabes
MFW 2026 - The annual challenge for everyone who would like to track their mortgage overpayments, mortgage payments, or even house-related savings. Feel free to join any time throughout the year. A very warm welcome to the Mortgage Free Wannabe 2026 thread! <3 Over the last few years, this challenge has been providing…
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Problem with Ebay International Delivery
I sold an item to a German Buyer through the GSP. The buyer raised a return request when it was delivered claiming the item was damaged. Immediately I was offered the option of them returning the item and me providing a postage label or a full refund. As I have 100% feedback I opted for the full refund. The item was sent…
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Poor DVLA records causing problems - for parking companies.
https://www.theguardian.com/money/2026/apr/23/ghost-owners-uk-vehicles-in-use-without-proper-records-dvla This article in the Guardian reports that the DVLA do not have records of the owners (surely they mean keepers, but never mind) of thousands of vehicles, which means that “speeding, hit and runs and worse” are going…
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6 weeks and still haven't got my landline or existing phone number ported
I signed up with Vodafone to have my broadband and landline moved from TalkTalk. Change day was November 5th and the broadband changed with a few problems which were sorted quickly. However, I have been without my landline and therefore without my phone number of the last 38 years ever since. The support staff are very…
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Do you have to accept a bequest in a will?
Hi all. I wonder if people could give me some sort of guidance on a situation that is likely to occur for a family member An elderly relative has, in her will, left her estate to be divided equally between her daughters and their children (2 on each side so equal shares of 1/6th) and this is likely to be circa £80k. This…
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Dubai with Emirates Holidays Late June 26
Looking for advice and wondering if anyone else is in the same boat. I booked a package holiday with Emirates Holidays back in February — flights with Emirates and 4 nights in Dubai, late June. The balance was due early April. With the FCDO advising against travel and no end date in sight, I called Emirates Holidays on…
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Cheap-rate electricity sounds great in theory, but how do people actually remember?
I get the idea of using electricity at the cheaper times, and in theory it makes total sense. But in real life I think the hardest part is just remembering at the right moment. It’s easy to say “run the washing machine later” or “wait until the cheaper period”, but day to day I think most people just forget or get busy.…
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NS&I index linked certificates
My 5 yearers are up soon. At first we had RPI, now a lower CPI. At first we had plus 0.5%, now we have plus 0.01%. You used to be able to cash in, and the best time to do so was on an anniversary, but you could at anytime if wishing to get at the money. Now the next rollover is fixed with no withdrawals for the term. Are…
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Changing US Hotel Booking
Hi all, Might be a strange one but I will ask anyway. My husband and son are going to Boston for the World Cup. They have a booking for a room in a Marriott Hotel. My nephew would love to go too, but there is no space on the flight, so I have offered to fly out with him. The issue is that there are no more rooms in the…
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Flexible ISA and transferring to S&S ISA during the tax year?
Hi all, Another dense question from me that I hope more experienced forumites may be able to answer, 😄 around flexible ISAs. Although my partner and I have both saved into cash ISAs over many years, we've been overly cautious about stocks and shares ISAs. However, we're each intending to put a portion of this year's ISA…
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AVC-PSE-Mimimum Wage
I have been paying AVCs through payroll for the last number of years. It has been on the Gross side of my payslip as my company have been using PSE. However with the mimimum wage rising it had moved to the net side. (I think it would work out that I could pay £10 AVC and still be in PSE). I want to pay £50 or so and am…
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Home Energy variable vs Octopus fixed
so I’ve read through Martin’s advice and any threads but still struggling to figure out what to do. We are on the Home Energy variable tariff which is a discounted vs price cap tariff. Currently averaging around 10% below cap. With July price cap looming is it worth sticking with it (hoping that even if price goes up it…
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Watty's Awakening
Time for a new diary I think. It is 2024, my last diary began over 10 years ago and so much has changed. My introduction in case we have not “met” My first diary told the story of, what I thought was a long and
happy relationship, paying off a mortgage aiming to get my financial freedom
from the world of work by paying off…
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TSB £200 bank switch starting 13th Jan 2026
Hi, TSB has launched a new switch incentive campaign today rewarding those eligible with £200 Terms and Conditions https://www.tsb.co.uk/current-accounts/switching-bank-account.html "If you’ve received an incentive or benefit for switching to TSB Bank plc using the Current Account Switch Service since
1 October 2022,…
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Parking tickets sent to wrong address
Hi guys. I've been looking through the newbies thread, along with using the parking fines chatbot, but I am still having issues working out what my next step should be. This is the situation I am currently in: Back in December, I was about to go over the free parking allowance in an ASDA car park. When I went to pay for…
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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…
