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Building concerns
Good afternoon I wonder if you can offer some advice please. We bought a property in 2008. We remortgaged in 2012 with a new mortgage provider and the new mortgage company asked to look in our loft. Upon their inspection they saw that the struts in the loft had been removed by the previous owners to make the loft an extra…
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Plodding Along
I've been on here for a good few months now so it's about time I start my own diary. I have been in debt since I was 18 when I got my first credit card and I'm 41 and a half now. The debt has fluctuated over the years with the highest being around the £20k mark, but my head was firmly buried in the sand then. I started to…
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Living Large, on a Small Income, by the Sea.
I am living by the sea in a beautiful house. (I can’t believe that sentence is about me) I have spent two years living in other people’s homes. I ended up on a sofa for several months. The joy of my own home, my own key, my own bed…it is indescribable. I had to go to the top of my budget to buy the house, but it is exactly…
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My Off-grid and need to be frugal diary
New year, new start - trying to save in 2025.
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The final countdown to June 2026
After +15 years of lurking on the site l have finally decided to create a MFW diary of my own. A brief-ish history 2009 took out current mortgage a tracker with FD, +0.79% base rate, allows fee free unlimited overpayments, and crucially, withdrawals upto the original amount borrowed. Thanks to your inspiration, super low…
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Now for a healthier, wealthier me
Hello everyone 👋 Today I have paid my final debt repayment and because having my diary on the Debt Free Wannabe boards has been so valuable in keeping me accountable and focussed, I figured that having a savings diary would be a good idea as my next step. About me - For those I’ve not yet met, here’s a bit about my…
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Private health insurance question (Beneden Healthcare)
Hello All, Looking for some advice if possible. My mum pays into a scheme with Beneden Health (for past 3 years) Recently she had an injury which has turned out to be a chipped bone in the ankle. The GP sent her to hospital who then did and X Ray and found the fracture. She has been advised that she needs to see an…
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Fiver Friday Challenge 2025
Hello all, I've previously taken part in the 365 1p challenge but due to a change in work circumstances I won't be able to participate in 2025. Instead I'm going to try Fiver Friday where I'll attempt to put away £5 every Friday into a savings account. Should mean I have £260 by the end of 2025. I couldn't see a thread…
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Seasidegal's Scrimpy Retirement Diary!
Hi there!😀 Having finally retired from work last Friday as my State Pension kicked in, I have decided to start a new diary as I begin the next stage in my life. I began my first diary on these boards in 2014 when I was 58 and in £31,000's worth of debt!😱 I realised time was fast approaching to retirement and that I needed…
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Baby steps to mortgage freedom for beanielou.
My first thread on the MFW board!! My mortgage has 6 & 1/2 years left to run. My income seems to decrease more & more & it becomes more & and more of a challange to pay my hefty(to me) mortgage. I have managed an overpayment last month as I got some £££'s unexpectedly. My biggest fear is not being able to pay my mortgage &…
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Teetering on the brink
Where to start! My life has not been without challenges and I have had times where I’ve had a lot of debt, and times where I have had none. I always felt proud to say I have never missed a payment and always managed to get out of a sticky situation myself no matter what. But this time, I am not convinced I will find a way,…
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deprivation of capital - Repaying family
Hi, Just after some advice really. Myself and my partner are looking to move in together with our children. I am buying a new house for us in my name due to my partner not qualifying for shared ownership as she is already in the scheme. I am being provided the deposit for the mortgage from a family member and we planned on…
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How long is your sale taking?
I wonder what has changed in the seven years since I last moved house? I thought that with so much more online it would be quicker. I’ve moved house a lot and the last purchase took 8 weeks from first viewing to completion. My previous sale a year earlier took 10 weeks. I’ve always sold and moved into a rental and never…
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Mag Daily closures
With the closure today of a large chunk of the Mag Dailies I just wanted to say thanks to the posters who've tirelessly posted the individual competitions on the board, and thank you to those who continue to do so. <3
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Transferring money from the UK to Ireland
What is the best way to arrange transferring a large sum of money from UK banks to Ireland? Are there charges, taxes or so on? The money is an inheritance.
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BW legal letter of claim response: Britannia grand central car park
I have read the newbies thread but unsure how to proceed after the response I got from BW legal after the letter of claim. I received a letter of claim from BW legal stating that I owed an eyewatering £510 over 3 parking notices for parking at Britannia car park at Grand central in Birmingham. I park there twice a week…
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Santander Edge with 25£ Amazon voucher
In April, I opened 2 Santander Edge accounts through a MSE offer which included a £25 Amazon voucher per account to be paid within 3 months. I should have received the voucer on 2-3 July. Here's the message I received in April when I opened the accounts: "Thanks for registering.IMPORTANT: To be eligible for the Gift Card…
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Recommended building insurance for water leaks?
Hello We've had a leak due to some shower issue fixed by our builder some time ago but we're worried about further leaks as sometimes we hear a dripping noise after/while using the shower on the level below but no actual leak can be seen. So we wondered if there were any recommendations for home insurances that cover water…
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Spar Unwanted vouchers / voucher requests
If you have won a spot prize on the Spar Spin To Win competition, https://forums.moneysavingexpert.com/discussion/6491301/e-01-01-win-10-000-spar-spin-to-win-daily-prizes#latest, which you do not want please feel free to post the voucher here including what the voucher is for.
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+++ Whoops! Here comes the cheese! +++
My original < < < out of cheese error > > > diary started in 2017 and records our journey to be debt free, mortgage neutral and then last year (hurrah!) mortgage free. This new diary is to record our current focus on my efforts to retire early. Lots of cooking, some gardening, many cats and the occasional Pratchett quote.…
