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What does cumulative mean on a Vodafone Spanish data sim bundle
Hi, We are going on holiday for two weeks and I want to buy a Vodafone data card/sim to make sure we have access to the web etc. On their website there is a package that is XXL 400gb but it says cumulative by it. Can someone out there tell us what that means please. Does it mean we actually have 400gb at our disposal or…
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…
Child benefit about to stop - when to tell CM?
Hi all - posting on behalf of a friend. He makes CM payments on 1st of each month for 2 children. Child 1 starts full time work this week so child benefit will be notified. Do you have to wait for confirmation that child benefit has stopped before informing CM in order for them to recalculate the amount to be paid for the…
I'm calling the Future Pensions Centre and the call keeps getting dropped.
After a few mins of recorded info, I am asked to 'choose from the following options' but then no options are given; just dead air. Call drops after a few more minutes. I called again and tried some random number as option choices but it still is dropped. There is no other way to discuss my buy back options. I know they are…
Santander 123 Lite - conversion to Everyday Account from 21 August 2025?
I posted this on another Santander thread, but it probably deserves one to itself for those who still have the 123 Lite. I have not received anything via email or post, but saw this on their website (note “we’re planning”?): https://www.santander.co.uk/personal/support/current-accounts/changes-to-your-current-account…
Not past page 3
In addition of the issues already reported. I've not been able to scroll past page 3 on the forum. It just takes me back to the top of the page I'm on. Gremlins have set in
15months to debt free - I hope
Well I thought it was time I started a diary having put my two pennorth into several others. Brief bit about me. I am a retired careworker having done other things as well. I have a husband who has mental health issues and 3 old dogs. A 15 year oldJack Russell X who has heart and kidney failure so I am not sure how long we…
Solar options (mind field)
Hi I'm looking for some advice for solar panels Who's the best companies to contact ? Presume 3 quotes . What kind of price will I be looking at ? I did have one quote a while ago but I'm sure prices have changed since then (2022) We used 7000kwh annual. What's the potential savings ? What's the best kit to have? Property…
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…
Saving water tip
I save the run off water from my taps in jugs and use it to fill the dog bowls and water plants. Sometimes I have some left over and add it to my compost to make it good for next years veg. I get 3 litres of cold water from my kitchen tap before the water gets warm and even though I use the dishwasher most of the time I…
All change for 2025
I thought I'd start a new diary to have a fresh start. After almost 21 years in my job, I've recently been placed at risk of redundancy. I'll find out for sure in the new year. If I manage to successfully challenge the redundancy, things will be very different at that employer next year, and if I do go, there will be a…
Bed and ISA of corporate shares
Hi all, my company awards us some of our bonus every year in shares which then vest 3 years later. This is alongside a cash bonus which we pay tax on immediately in our paycheck. The first batch of shares for many years vests this week and we've had various online seminars from the shares provider, Equiniti, to support…
Contribution based esa and uc
Hi Does anyone know what advantage there is in continuing to claim new style/contribution based esa alongside uc , with it being deducted from your uc payment, only advantage I can see is that you get some money paid fortnightly? Will new style esa be ending soon anyways like income based esa? Thanks!
Apple Watch and iPad - Where to buy
I’m looking to purchase a new Apple Watch and iPad. My old devices are broke or now too old to trade in for any credit. Ideally I’d like one of the newer iPads that use the USB-C connection. I don’t necessarily need the newest version of both but struggle to find the older ones on sale anywhere reputable. Any ideas where…
Mortgage free wannabe part 2
Hi, it’s been ages since I posted and I was very lucky to pay off my mortgage before covid. my house was 25 years old and needed a lot spending on it to make it energy efficient and modernise it so we decided to move instead as we just couldn’t change certain things we didn’t like) Unfortunately this meant getting a…
CCJ old address for PCN's Partner received-need set aside & removed from credit file ASAP
* Do you think that From December 1st 2020 to March 1st 2021(when CCJ was issued) is a reasonable amount of time for BW Legal to find our correct address? * Unsure whether to: Contact BW Legal and ask for their consent to set aside OR submit the N244 claim form to set aside on the basis that I did not get a chance to…
How to perform Search Engine Optimisation for my website (SEO)
Hi Folks I have a small business and want to perform SEO so that it ranks towards the top when someone performs (say) a google search. Is it difficult to perform? If so, would I need someone qualified to perform it? Would it be expensive? Thanks
Moving on
Welcome to my new thread: my old one is here: Cherry takes the reins — MoneySavingExpert Forum and my very old one is here: Coffee and chocolate — MoneySavingExpert Forum Quite a lot changed in 2023, and now it's time to move on. I left the job and career path I'd followed for many years and don't feel I can or should go…
Advice needed for signage appeal - PPM - Initial appeal
Hi all, I have received a PCN from Parking & Property Management. I have read the newbies thread and I am aware about the standard first level appeal. However, I am preparing some "evidence" for the expected rejection. I don't believe there is a valid entrance sign. As per the IPC CoP version 8 (newest version is 9 which…
Frosty the Snowman - it's the 2025 Christmas thread!
Hello and welcome to the 2025 Christmas chatter thread! Better late than never I say! If you're new to the thread please pop in for a natter, pull up a chair by the fire and get yourself a hot chocolate - we all love Christmas but are also here to chat about anything else going on in our lives and offering each other…

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MSE News

Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payments this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
Which NatWest and RBS branches are closing from 2025? Here's the full list – and banking alternatives
NatWest and Royal Bank of Scotland (RBS), which are both part of the NatWest Group, will shut at least 108 of their bank branches in 2025 and beyond, after the Group announced a further 52 NatWest closures.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
Winter Fuel Payments will be reinstated to all pensioners in England and Wales this winter – but will be clawed back automatically from those earning over £35,000 a year, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up. MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis.
Car finance mis-selling update: regulator prepares for compensation scheme – and warns against using claims firms
Payouts for mis-sold car finance could be another step closer as the financial regulator has set out the factors it will consider if it were to introduce an industry-wide redress scheme – though we won't know more about how this will work until after a key Supreme Court decision expected in July. In the meantime, the regulator has warned that you DON'T need to sign up with a claims firm to be included.
Winter Fuel Payments to be extended to pensioners earning £35,000 or less – here's what we know so far
Winter Fuel Payments will be extended to all pensioners with incomes of £35,000 or less this winter, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up.
Winter Fuel Payments extension confirmed for this winter – watch Martin Lewis' instant response and his message to the Chancellor
Winter Fuel Payments will be extended to more pensioners this winter – though not to everyone – the Chancellor has today confirmed. However, exact details of who will now qualify still remain scant. Watch MoneySavingExpert.com founder Martin Lewis give his instant response, as well as his key message for Rachel Reeves.
Nationwide Fairer Share: Free £100 bonus confirmed for 2025 – here's who will get it
If you bank with Nationwide, you could get a free £100 paid into your account in June or July as part of the building society's 'Fairer Share' scheme. The bonus will be paid to millions of its current account customers who also have savings or a mortgage with it.
Forced onto a prepay energy meter? You may be due money back as 10,000s to be compensated
If you had an energy prepayment meter forcibly installed or your smart meter was remotely switched to prepay mode without your permission, you could be entitled to compensation of up to £1,000 and may even be eligible to have your energy debts written off.

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