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365 Day 1p Challenge for 2026
This challenge has been running for a number of years and is so popular I have agreed to run it again in 2026. If you wish to join please post on this thread and I will allocate you a number which should be quoted when you update on your progress. You can do this either using cash in a jar or virtually by transferring to a…
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Make £2026 in 2026
This challenge is for noting down all money you have made in 2026. Ways you can make your £2026 are: Anything made at the end of 2025 needs to go in 2025 pot. SURVEYS WINS EBAY FB SELLING GROUPS OVERTIME SHARE DIVIDEND INTEREST INTEREST FROM BANK ACCOUNTS QUIDCO CASHBACK FREEBIES (VALUE OF) TOPCASHBACK MATCHED BETTING…
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Poison letter sent to my now ex partner!
Hi all, An anonymous letter came through our door 10 days before Christmas address to my ex telling her I had cheated on her with girls that I work with, that I hide our relationship and I've tried it on with lots of other girls. This is all not true. My ex read the letter and subsequently left the house and I haven't seen…
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Save £12k in 2026 challenge (or any other amount to challenge yourself!)
Here are the details below of the savings challenge @enthusiasticsaver and I have been running this year and will continue to run next year. This is the new Challenge thread for savers in 2026. The aim is to get more people saving throughout the year and this thread gives a space for people to record and track their…
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Cooking for one (Mark Three)
Welcome to Cooking one (Mark Three), time to get a shiny new thread up and running. The link to "Cooking for one (Mark Two)" can be found here https://forums.moneysavingexpert.com/discussion/comment/73708876#Comment_73708876 Cooking For One 13th Jan 17 at 7:32 PM Hi, newbie poster though long time lurker trying to adjust…
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New smart tv 40 ins
Any recommendation for a mart tv 40 in’s pl? My preference is Panasonic but the one I intended to buy just before Xmas is no longer available. Thanks Panasonic TV-40S55AEY 40" Smart Full HD HDR LCD
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An in-between phase
I am largely starting this thread so as to not rudely put a long whinge on the lovely @foxgloves and @EssexHebridean threads! I will talk a little more about my slightly unsettled life situation in due course, but for now, just whinging 😂 Today I have been trying to switch to a more money saving phone contract. It has been…
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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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Vaillant EcoTEC Sustain Boiler; water leaking from bottom - better to use Vallaint's Repair Service?
This is only a 3 year old boiler. Unfortunate for me, I didn't register within the 30 days from installation for warranty, nor pay for any annual service plan. Whilst it could be a small issue for a local tradesmen to fix, I'm wondering if it's just worth going with Vaillant's One-Off Fixed Price Repair Service at £399…
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2025 DECLUTTERING CAMPAIGN MrsSD - The Joy of Decluttering
To use Guineapigsqueaks/Sa1sysoo words “A new thread for declutterbugs in (2015 2016 2017 2018 2019 2020 2021 2022 2023 2024) 2025 !" My 2024 was another washout on the decluttering & decorating fronts. That is what happens when I don’t plan ahead 😔 Neither DH nor I have managed to summon up any enthusiasm for anything…
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Learning to walk before I run
Hello all! :) I am returning to the forum in an attempt to gain your collective wisdom in sorting out our dire finances. I've been experiencing a series of mini lightbulb moments of late and have realised that it's time for a change. Despite being vaguely savvy as regards areas of personal finance such as pensions, I have…
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1, 2 or 3-way shower system?
Hi We currently have a bath with taps, handheld shower and (concealed) overhead shower (on an arm, from the wall). The taps are mixer taps, and has the little pull-up lever to switch to the handheld shower - whilst the overhead shower is controlled by it's own control. We are replacing the bath and have an opportunity to…
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Joyous January's No-Spend Days Challenge!
Welcome to Joyous January's No-Spend Days Challenge! This challenge is all about helping people to save money by setting aside days every month where you deliberately don't spend unnecessary cash. Over the short term, it can help you have a more frugal month. Over the long term, if you stick with it, it can help change…
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Weekly Flylady Thread 29th December 2025
Welcome to the weekly Flylady Thread. Welcome to the last thread of 2025. We often see new flyers (gents welcome!) around this time of year so please don't worry if you feel you cannot keep up. Similarly if your house has been neglected it won't be turned around in a day - but if you stay you will get into some good habits…
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More debt to clear debt
Hi everyone, I have a situation. I am currently in around 50k of debt. Most of it I am paying a small token gesture, and interest is frozen. However, 10k of it I am paying £700 a month, I can't get it lower (court ordered and family) and it is a chain around my neck, and I can't think of anything else. I am working 7 days…
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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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Best fixed monthly saver
Hi I’ve recently had to cancel my medical insurance owing to chronic conditions not being covered and premiums skyrocketed. I’d like to put the money into a fixed monthly saver with a view to keeping these monies for medical stuff if needed ( very very long backstory ). what’s the best fixed monthly long term savings…
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Creating the life I want - and tackling my debt!
Hello all, Years ago I had a journal, but back then, I was at home with my parents, trying to keep a business afloat that paid me a pittance. Moving out felt like a pipe dream. But I did. After closing my business down in 2017, I took on an entry level government job and worked my way up a couple of grades [so far] and…
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Declaration of Trust re rental income for married couple
My wife and I own a rental property with a nominal income. Not a lot, but sufficient that it needs declaring via self assessment. It is subject to a mortgage To date we've been splitting the income 50/50 and so too the relevant tax liabilities. I've recently moved into the high rate tax bracket which has bumped up my tax…
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Tembo Cash ISA transfer to Tembo Fixed 1 year? convert, or separate application?
Hi, So in nutshell I have a maxed out isa with Tembo at 4.1% I'm sure its likely about to drop in light of todays news, so looking at putting into a fixed. Is it convert the existing Cash ISA into the Fixed at 4.3%? Or do I need to apply for a Fixed ISA first, and then fill in transfer details in the same way I would to an…
