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2025/26 Self Assessment Tax Return
Hopefully the HMRC system will work soon to be able to make some progress. Well done to anyone already logged in I keep getting busy message so far.
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Smarty SIM - on '3' - very poor download speeds.
Trying to set up a temporary 4G router for daughter as she stays in a relative's house for an undetermined period. Got a cheap BT mini-Halo 4G router, and she bought a data-loaded SIM from Smarty. Download speeds were in the order of 2.5Mbps, which was useless for pretty much everything. I assumed it was an issue with the…
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Noisy Neighbours
Hello Everyone, I have lived in my own leasehold property since 1994 and I have never experienced so much noise until now and this is awful. In December 2025, the flat above mine was sold to someone. In March this year three adults moved in and it has been a nightmare since with their noise. They don't play music but they…
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Pay-as-you-go options (not bundles)
Hello, can anyone tell me which providers offer a 'traditional' pay-as-you-go option that: -isn't a bundle nor a monthly deal, and -doesn't require regular top-ups? This is because it's for a phone which will very rarely be used (probably max 5 texts / short calls per year). It's fine if I need to keep the SIM active by,…
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Need to stop spending and chasing dopamine!
Hello! I’m creating this diary to hold me accountable, as I’ve been trying to pay this debt off for 3 years now and I just keep kicking the can down the road so to speak. The good news is it’s all on 0% interest. The bad news is I need to have the most boring year next year (aside from a holiday) to be able to pay it all…
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Flowerbed Improvement
Hi All, This is the flowerbed at the entrance to my house. I've recently bought the house so I've inherited what the previous owner has planted. Does anyone have any recommendations on how to bring this to life? Thanks in advance.
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Time scales for unique Probate code from HMRC
Just a quick question. Does anyone have recent experience of submitting the IHT 400 forms where there is no IHT to pay....roughly, how long before the unique probate code was sent? Thank you.
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What happens if you straddle pension age increase?
On 6th April 28 minimum pension age increases to 57. My DOB is Oct 71. If I start accessing a DC pension from Oct 26 (age 55) can I continue? Or on 6th April 28 (age 56) will there be limits on how I can access my pension? What are the guidelines? I'm thinking I would be able to access crystallised funds in a drawdown…
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Getting FIREd up 😀
After two years keeping calm and carrying on, now feels like the right time to move on and start getting FIREd up instead 😀 Summary of the last two years: Was working for a plc, decent money but putting in a lot of hours, very little support from the business and pretty fed up with always being sent out to do battle for…
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Hopefully debt free before Mortgage renewal in June 2026
Hi, So, My mortgage is due for renewal in June 2026. I bought a house for £190,000 with around a £48,000 deposit on a 5 year fixed rate of 1.63% interest which comes to an end on 30th June 2026. I currently owe £129,363 and pay £517.72 and i have 25 years and 6 months left to pay (i will be 68 when this ends). I know…
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Swagbucks 2025
Might as well have a new thread for a new year!
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Parking stories in the News/media
To save adding to a post about something else it might be worth having a seperate thread for parking stories in the media Kicking it off is this on the BBC news site"Drivers fined as Durham car park camera 'misses them leaving' yep, its the good old double dip again, full story on the BBC…
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When to retire
I work term-time, so we break up in July. I have been told to set my retirement date as 1st Sept before schools reopen, in order to gain more holiday pay. Would it work?
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AVC's or SIPP?
Hi, I just wondered if anyone can offer me any advice. I have a SPP with around £6K in it that I stopped investing in a few years ago. I have been offered a Local Govt AVC with Prudential, it works via salary sacrifice and plan to put £50 in there a month. I understand you get tax relief and NI relief. The Money Helper…
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Age 42, what should I invest for for retirement?
Hello, I am Age 42, what should I invest for for retirement? Should |I go for all equities or equities and some EFT's? Thankyou,
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Problem Printing From Downloads
I recently purchased a Samsung Galaxy Book 5 laptop. I have a problem printing from downloads, which has never been a problem on previous laptops. The problem is printing ferry tickets, which are sent as an email attachment. I can view the attachment without downloading the ticket but because there is no preview when I…
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North Greenwich blue badge car park
Hi all, I’ve read the NEWBIES thread and would really appreciate some advice on my situation. PCN details: Issued by Saba Park Services UK Limited Location: North Greenwich (near The O2) Date of issue: 29/10/2025 Reason: “Failing to fully display a valid Blue Badge in a Blue Badge reserved area” This was a windscreen…
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Dreaming of being Debt Free
Hi. Like many people, I've been lurking in and out of these rooms and the main website, dreaming of being debt free. I've been living in debt since I went to uni. To put that into perspective, almost half my life. Ive tried many times, and come close, sometimes a run of bad lucks set me back, children being born, or…
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N1SDT Court Claim from ParkingEye - Incorrect Address on MCOL
Hi all, I am aware that we shouldn't fill up the forum with cases, but I thought I'd make a post as I have searched the forum and can't find anything specific to my case and need to know ASAP what move to make. I received a ticket from ParkingEye a year or so ago for parking in a local carpark after hours. I was in the…
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Damp in boiler cupboard
We've lived here just over a year and never had damp until this turned up in the boiler cupboard. The kitchen wall is on ine side and the chimney breast on the other. We had the chimney removed before christmas - could that be causing the damp?
