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Moving on up! 🏡
As of this week, I am mortgage free! Unfortunately, that won't be for long. I currently live with DH and our 3 dogs in a one bedroom semi-detached bungalow with no garden or parking. It's what I could afford on my own when I first moved in back in 2019, but now it's time for us to save and move up the ladder. Ideally, we…
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Clubcard Challenges
Anyone else doing these? Currently I qualify for 600 points or £6 in vouchers. If I spend £44 on certain items in the next two weeks, this increases to 2950 points or £29.50 in vouchers. As I have two easyJet holidays to pay for this means I get £59 off. I'm sure I could get even more. I haven't actually bought anything I…
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Time for Change…..
I’m heading rapidly towards my half century and still don’t feel like a proper grown up in charge of my own destiny. It’s time that I pulled on my big girl pants and start facing facts and taking responsibility for my life. After all, I am the only one that can do it! I’m going to use this diary to keep up momentum and…
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Have you had a online shop from Sainsburys delivered today? If So check you bill now!!
🚨 Sainsbury’s shoppers - CHECK YOUR RECEIPTS TODAY 🚨 I placed an online grocery order with Sainsbury's yesterday with an estimated total of £92.93. After substitutions and one missing item, my bill should have been around the same but I was actually charged £102.59. After going through everything line by line, I found:…
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Tesco Clubcard Pay+ altertnative
It's no surprise that after the Barclays takeover, TescoBank have announced that they are withdrawing this card from April 2026. I have found this card invaluable in places that won't accept cash but can be risky carrying your usual debit card ie. swimming pool, where you leave valuables in a locker. I would like open a…
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Santander e-voucher offer
Hi Just been emailed this as part of Santander boosts but I think it's their usual offer. I'm not sure whether to bother to be honest. If I new it would a short wait for the voucher I might be tempted. Cheers
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EDF FreePhase Dynamic Tariff
Anyone on this tariff? It has 3 rates green 11:00 pm - 6:00am red. 4:00pm - 7:00pm amber the rest of the day Rates alter daily with wholesale prices. Today green is 13.35pkw red is. 27.51pkw amber. 16.17pkwh
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Saving a lump sum
We are inbetween houses at the moment and have about £180k in our bank account, can anyone recommend the best thing to do with this amount of money? It’s currently in an account where the interest rate is 2.3% so I know I can do better. I don’t know whether to split it up between different accounts/ISA’s or keep it…
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Residential lease Gladstones witness statement help please, Hearing in just over 2 weeks!
Hi All, Would like some advice please. I am the owner of a flat I am renting out. I was attending my flat and parked next to my parking bay but not within the bay. My bay had my tenant's parked car. My tenant had told me they would vacate this as he was leaving and would give me back the permit while I was there but…
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Zero launches 'Planet Safe Saver' ethical savings account
Fintech app Zero's new 'Planet Safe Saver' account pays 3.66% AER (variable). It's currently the highest-paying easy-access 'ethical' saver, meaning it avoids funding fossil fuels, weapons, tobacco and similar sectors. It's not a top market rate, but 'ethical' accounts are something we're often asked about, and the rates…
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Airtime app - changing networks
Hi folks, I'm currently using the Airtime app with O2, but I'm eyeing up a switch to either Spusu or Mozillion (or maybe 1p Mobile) which would give me more data and hopefully reduce my monthly bill. Does anyone know if these networks are supported by the app? If not, is it possible to cash in your remaining rewards, or…
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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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ok to live in my own BTL?
I have now paid off my residential mortgage. I have a BTL that I'd like to live in - now that there is no residential mortgage to my name, am I ok to move into the BTL, and rent out my mortgage free place? I'm in yr 3 of a 5yr Kent Reliance BTL mortgage - what options do I have? Could I get them to change the BTL to a…
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Court Claim Form from BW Legal on behalf of Britannia parking
Hi All When googling for some information on my case I just found this great forum where many cases been solved successfully thanks of all of you guys, so I would really seek for advice on my case. As on title, I have received the Court Claim Form with issue date 18/02/2026 from BW Legal on behalf of Britannia Parking that…
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Starling Bank Criteria - Even the staff do not know
Hi, I thought I would write a brief advise for people looking for a new Bank to use. Do NOT waste your time applying for a Starling Bank Account. Here goes: My brother and I had discussed getting a joint account for us to manage the monies from the death of my mother. We have agreed to open a joint account to keep all…
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Settling in for the long haul
After avidly reading others’ diaries over the past five years, it feels like the right time to shuffle in and create a cosy little corner of my own. Following the example of those much wiser, I have cleared a large amount of debt, including a hefty overdraft, student loan, credit cards, bank loans (that were consolidated…
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Disappearing and/or Updating (more £££) Energy Fixes
This morning I decided to sign up for a 2 year fix with EDF (I am on one with them that is about to run out). I signed up for Simply Fixed 2Yr Mar28v5 . By mid-afternoon that had been replaced with V6 which is £50 a month more expensive, with EDF seriously hiking the gas unit price within the fix. I know fixing is not for…
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Where's the best place to buy warehouse racking
I'm looking to buy a shelving unit for my shed but I want something stronger than the ones sold in diy stores so I'm thinking of buying warehouse racking but I don't know the best place to buy it so can someone recommend some places.
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Appliances Online - excellent service!
I'm not often impressed by the delivery services of companies, but I am making an exception here. Ordered a microwave on Tuesday, at the lowest available price, with free delivery - supposed to come within a week or so. Got a confirmation straightaway, then a message to say it would be delivered the next day. And it duly…
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Final stage house selling
We have been in a very long and stressful house selling journey, fell through once and sold again and now have had several times 'exchange will be next week' and 3 different completion dates. I just want it all over. We have never sold a house before so the whole process is new, can someone explain a bit more about the…
