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GreenFly - A 'flylady style' gardening thread with weekly tasks to tame your garden
What do we mean by GreenFly? Over on old style there is a long running and supportive community who focus on getting the house clean and tidy in smaller steps. A group of us thought that something similar for taming the garden would be very useful so here it is. The idea is that by doing little and often we can get on top…
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Amazon: Faulty Installation lead to water damage
Hi everyone. This forum has been so helpful on other matters, I thought I'd get your thoughts on this: * April '23 I purchased a washer/dryer from Amazon with installation. * Washer/dryer was delivered, installed and old appliance removed. * One week later I noticed water coming up from under the floorboards outside the…
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Adjudication with IAS…
Good day. Insight: Using a rented private hire car, not registered keeper.. notice to keeper given and I had to identify myself as the driver(guy would have withdrew vehicle )using NTK. Appealed thru NPM in house, moved on to IAS.. awaiting outcome after evidence submitted. After reading here, know this is most likely…
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Let Thrift shopping thrive in 25!
A shiny new thread for the thrift shoppers amongst us - those who haunt car boots, FB marketplace, Vinted, Ebay, jumble sales & charity shops to score bargains galore!
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Moving on with things
I have debated posting this for a few days or so. One of the main reasons I wanted to post an update is because recently I said goodbye to my car for good having made the decision to lease another electric car through my business. A decision I simply think I wouldn’t have made without having been on here. My wife and I are…
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Bold leap into retirement
Morning all, I hope you have managed to find some time for yourself in what can be a busy period. We have enjoyed spending time with family over the last 3 days, it’s a quiet one today, then off to visit more family tomorrow. I’m not planning anything wild for NYE, but have been really starting to think about what I want…
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What if we get Probate amounts slightly wrong?
Hi everyone - my f-i-l passed away quite suddenly and my wife is his sole executor preparing Probate. His will is relatively simple - everything passes to my wife's Mum, so there is no IHT in play etc. However my f-i-l was a very financially savvy man who had all manner of savings instruments. He did all the household…
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Consolidation
Looking for some on advice on whether a loan or a cc is best for consolidation?
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Living the Good Life - mortgage free and living in line with our values
Evening all, I thought it was time I started a
new diary, as we've now been mortgage free for 18 months and the last pesky bit
of mortgage debt (on the 0% card) went in October. We're now almost through Mr
MV's 40th, Christmas, New Year and my 40th (coming up next week), so it seems
like a good time to start afresh and…
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New Install - Heat Pump vs Combi
Which should I go for if I am going to be living in the property for 15+ years? We got an old boiler in our house replaced about 7 years ago from a tank to a combi. It resolved a few problems and we probably broke even on the cost savings. Now moving to a new house. But it's a question of whether heat pump setups are…
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Annuity or take the CETV
I have descent DC pot which I intend to use drawdown income from and together with partners DB income and ISA interest and State Pension we will be comfortable during retirement. we are both 56, and retiring in the next year. I also have a DB pension from an old employer which is worth to me £4500 per annum as an annuity…
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🌞 Happy Days in our Golden Years 🌞
Just over a year has passed since the final entry of my last
diary. A whole year of no debts and no
mortgage 😁 We
are semi-retired, using our private pensions to cover the cost of bread and
butter and running our own business part-time to put jam on it. You’d think I could do without a money saving
diary in those…
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Slow Living - Doing It Old Style!
It's a bit early to be starting this thread but it's the last day of 2023 that I will have the time so I'm doing it now! I have decided that 2024 is going to be the opportunity to put into practice all the things that I have thought about, wanted to do and dabbled with in 2023. I have a few diaries on the forum which touch…
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Car repairs
Hello, I recently sent my car to a local garage due to the car losing power and cutting out in low revs. When sent the car was starting and driving albeit with the issue mentioned above. The garage have had the car and said they have investigated, they cleaned some fuel filters and took it for a test drive, where they said…
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New stopcock and pipes
For reasons I won't bore you with, my neighbour's builder replaced my old metal stopcock and pipes with new plastic fittings without asking me. I'm now trying to make sure the work is OK or whether to get it done again. He hasn't fitted to the wall - what is the best approach for this as I now have a water hammer issue as…
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Are SIPP's covered for more than 85K?
I am below that amount but am thinking ahead. I am with ii and did Google it and it would appear that if ii fails I would still have all my investments. "Interactive Investor Services Limited is an investment firm and not a bank. Unlike a bank, your assets are never mixed with those of ii – they are kept in legally…
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Everest Double Glazing in administration
I paid a deposit to Everest Double Glazing a few weeks ago for a contract to replace my existing windows. Since then, they have gone into administration and I am now not sure of my rights. I paid the deposit using a UK credit card. Under the circumstances, can I pull out of the contract and expect a refund? (doubt it). Or…
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MSE News: Asda launches first-ever loyalty scheme offering discounts on groceries
Asda has rolled out its 'Asda Rewards' loyalty scheme nationwide after trialling it in a small number of stores in England. The move means shoppers across the UK can now earn money-off vouchers to use towards their shopping at the supermarket chain. Read the full story: 'Asda launches first-ever loyalty scheme offering…
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Dentist has prescribed Duraphat - not comfortable using it.
I haven't been to the dentist for over 20 years due to anxiety. I plucked up the courage to go and she's given me Duraphat 5000. I really don't like using it, In my area the water company add fluoride to the water (June 2025 result was 0.859mg/L). I only drink tap water and two cups of black coffee a day. I'm worried I am…
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Cannot add credit card to Apple Pay
I have been told by Halifax Clarity that they will not allow my credit card to be added to Apple Pay because my IMEI of a phone I bought brand new has apparently been associated with fraud Having first wrongly claimed it was Mastercard who kept the data base they now refuse to tell me who has misinformed them and sent a…
