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£2,576.79 to clear by March
£956.15 on one credit card, interest free period ends 16th March £1620.64 on the other, interest free until the 1st March It's entirely possible that I can't quite manage and end up doing a balance transfer, but this diary is to give me the accountability to try my best. We've had a tricky year financially after my husband…
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Swagbucks Codes Thread 2025 - CODES ONLY PLEASE
This thread is only for Swag Codes, any chat etc should be on the Swagbucks discussion/chat thread If you had the old codes thread bookmarked you will need to bookmark this one The chat/discussion thread for 2025 https://forums.moneysavingexpert.com/discussion/6577620/swagbucks-2025#latest
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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…
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2025 Fashion On The Ration Challenge
(The Fashion On The Ration Challenge is about restraining our shopping impulses and buying the clothing we need as well as what we want. As @Laura_Elsewhere said "If this group is about anything, it's about understanding how we buy and what we buy and when we buy...". We use the original, 1942, clothing rations.) ---------…
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Section 75 dispute
Evening My partner bought a used car a few momths ago. Various issues arose and an independent garage declared engine failure and effectively needed engine rebuild. Contacted garage who were unhelpful, so opened section 75 with m&s cc (mastercard), who checked the garage report and credited the amount back. Since then,…
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Property disregard following a relationship breakdown
Hi, I just wanted to check if I've got this correct. Currently living with STBX (soon to be ex) in a jointly mortgaged property. Equity is more than 16k once divided. Applied for UC as a single person with children in Oct 2025 with no housing element. Moving into rental Jan 2026. Will do 50/50 with the kids. Found the…
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The Save £12k in 2025 challenge
I give details below of the savings challenge I have been running this year and will continue to run next year with the help of @Suffolk_lass This is the new Challenge thread for savers in 2025. The aim is to get more people saving throughout the year and this thread gives a space for people to record their progress. The…
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I am confused
I feel like an idiot for asking this... I opened my first ISA earlier this year and just paid in enough that I am at my £20k allowance and Trading 212 shows up that I have £20,230 including the interest. My question is if I transfer the £20k in 212 to another ISA after 6 April to get a better rate does this mean it is…
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Cash ISA consolidation
Hi all, apologies in advance for what might be a subject discussed before but I have searched and can't find the answer. I have several fixed term cash isa's with different providers which all mature on different dates. Id like to have them all in one place so I'm looking for a new provider that will accept multiple…
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Divorce debt be gone!
Newly divorced but with big debts to clear here - moving and divorce legal fees, furnishing and essential repairs on the new place for me and my 2 teenmonsters who live with me 50/50. I managed to secure a 0% 15 month purchases card a few months ago when I moved to pay for furniture and have just secured a 0% balance…
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Opinium Research no longer responding
I have been a member for several years. I have stopped receiving surveys and cannot log into the new panellist area. I have sent several emails over the last few months with no response whatsoever. I am seriously annoyed as I was nearly up to claiming a reward. Anyone else had a problem? thank you
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Beware Lebara
Just got a Lebara sim on mse recommendation, but sending pics taken on iphone via messages is blocked. This seems peculiar to Lebara. Guide needs to warn of this.
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Should I go off-grid?
I live in quite a modern house down a road with lots of other houses on the outskirts of town. I believe the house has been supplied with electricity and gas ever since it was built. Until about five years ago, I used ebico to supply my energy. It was great because there was no standing charge. By not heating my house and…
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Do I lose S75 rights, if the credit card is paid off and closed/cancelled?
I have an interest free card which is coming to an end (m&s). I made some big purchases on these, car parts for car, a swiss watch etc. I have acquired two new interest free on purchase cards, and managed to move the balance using the stoozing technique onto the new cards (no balance transfer fees here). The original card…
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Job seeking
Looking for some advice here please to pass on to my 21 year old son. Essentially, how on Earth does one obtain a half decent permanent job these days? I am next to useless when it comes to advice for him - having no real clue how the employment world now operates, being an IT dinosaur, and only having contacts within my…
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MeandO's money-shuffling
Long time member here, sneaking back over from the MFW board... Previous diary here for those that want a back story: Money-shuffling towards mortgage freedom — MoneySavingExpert Forum Although my only debt is now my mortgage I've had to shift my focus from OP'ing to building up my savings instead, so don't really feel at…
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LinkedIn open to work status - company uses external recruiter
So I have been looking for alternative employment within my company for the past 6 months, have applied for a 3/4 roles, have been down to two final interviews where I was unsuccessful but the feedback was that I interviewed very well but basically there was a preferred candidate each time/candidate with more experience.…
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A Seasonal Thank You
I just wanted to wish everyone a Merry Christmas and to say a big thank you to the stalwarts of this forum who continue to do so much to help so many people understand the intricacies of the UK pension environment. This help is invaluable, not just to those who ask the questions, but the countless more who learn from the…
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Beauty Advent Calendars 2025
Hi all, MSE Olivia here. Are you considering buying a beauty Advent calendar this year? If so, would you buy it for yourself as a December treat, or would you split it up for presents? If you've bought a beauty calendar in the past, I'd love to hear your thoughts on it! I've shared my analysis on the real value of 10…
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Reset 2026
So 2026 is going to be my reset year. Started September 2024 with 32000 in debt, cards & loans. By the end of December I will be down to 8995 - gotta add the extra just to get to a figure starting with 8! Hoping to clear the lot by the end of September 2026. I have a tax bill to pay by the end of Jan and the car MOT at the…
