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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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Help with TfL PCNs please
Hello I noticed that most if not all threads in this sub-forum are about private pcns but I need help with public pcns. I have 4 pcns from Tranport for London - 3 illegal turns and one bus lane. I have a ble badge due to mental health and honestly didn’t see any signs but the bus lane one I thought I was at the end of the…
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Citroen Recall Help
Hello Everyone! I had my car recalled as part of the Stellantis airbag recall. It was a nightmare to get a do not drive order in August and they only gave me a rental car from September and the car was fixed at the end of November. They told me they'd collect the rental car and they never did. I emailed them to clarify the…
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Advice on Drawdown (currently Vanguard) please
Hello I took VR last summer, so am now retired. In the new tax year I intend to start drawing on my main DC fund with Vanguard. I don't want to take the 25% tax free lump sum yet (though may do so for all, or most of my DC pots at some point) Looking at the vanguard website the option for regular payment is "Flexible…
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Mock tudor facade advice
Hello, I’m hoping someone may be able to offer a bit of advice. I’ve searched the forum but haven’t been able to find any similar situations. We moved into our property in March last year. The house was built in the late 1980s and has a mock Tudor façade at the front, which incorporates the entrance porch and a first‑floor…
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Chase bank accounts on shared phone
My wife and I share our main mobile phone and have a really old one for emergencies or if I'm out by myself. Is it possible for both of us to set up and manage Chase bank accounts on one phone? We already have my wife's set up and I'd like to open an account myself. The old phone is not compatible and I don't really want…
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Danske £200 Switch Offer (Starts 29/01/2026) - NI only
A new Danske switch offer is now available. T&Cs. No end date announced yet. What you need to do: To open a new Danske Reward, Choice or Freedom current account you must be resident in NI.
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Vent - Top Cashback annoying wrong router price
Looking for a new broadband provider, went through Top Cashback compare, worked out the best for me: However there is no £2.95 per month router rental, their lowest is £4.95 Top cashback at the bottom: Slightly frustating as I now have to look again and will have work out the costs myself over a 24 month from each…
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How quickly do Big Energy Switch options run out?
Evening all, I'm currently with Octopus on their Money Saving Octopus promo tariff. The tariff does have a £25 exit fee per fuel, however the new British Gas tariff is about £120 cheaper per year compared to Octopus (shocking to me, but I assume Octopus are no longer the great deal they used to be in the past) A couple of…
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A whole new world, for now
So, here’s the new thread I’ve been promising myself for a few months. My old one, that served me so well, is https://forums.moneysavingexpert.com/discussion/4855808 A potted history of me. I’m 49, live in NI with OH, DD and dog and DS is London based. Have been in debt for a lot of my life and came here post personal debt…
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The Mental Debt Struggle...
I've known that this diary needed to be started... But I've run away from the idea as the accountability made me nervous and I didn't think anyone would want to read it. But then I realised it would be financially and mentally therapeutic for me, and that's the whole point after all. I've read other diaries and gained so…
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The top 10 Money Moral Dilemmas of 2025 – official MSE blog discussion
Alright forumites? I've written a belated blog listing the top 10 Money Moral Dilemmas of 2025 (and my favourite forum responses to each of them). The MMD has been popular ever since [it was first published], whether its generating rage or righteousness, and as the member of the MSE team currently charged with compiling…
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Travel insurance claim rejected
Hi… My suitcase went missing on a train journey back from the airport. It was too late to report in on arrival in the station, as it was gone midnight, and no staff were there. I went back the next day, and was told to call British Transport Police. They told me they could investigate, but A) there was likely no CCTV on…
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UKPC windscreen for private space
I received a windscreen ticket in January and quickly messaged their appeal process (my bad didn’t see this forum before then thought would be cut and dry SHAME ON ME) and have since received an response… I own the space I was using. I am physically and cognitively disabled and have an adapted car. I’m legally allowed to…
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USS Tax Free Income Builder and Investment Builder Lump Sum
I am so confused as being able to do the above sounds too good to be true and why would you not? I asked USS and they confirmed this was possible but today I spoke to PensionWise who thought it is unlikely to be the case and only 25% of Investment Builder would be tax free. USS website says : 'If you take your Retirement…
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Paragon Bank - can't see all accounts
I have had a number of accounts with Paragon over the years. It seems that I can't see details of all my "closed" accounts (typically these were 1 year non-ISA bonds). Why ??
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MSE News: Martin Lewis: 'Let's make it easier for people in Scotland to use their Power of Attorney'
People in Scotland are being "sub-served" when they come to use their Power of Attorney compared with other UK nations, Martin Lewis has said. In a letter sent to the Scottish Government today (Thursday 5 February 2026), the MoneySavingExpert.com founder has urged for change to prevent unnecessary stress at what is…
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Painting composite front door
Wondered if anyone has done this, successfully. Been a house 5 years which has a 7 year old composite front door, decent quality, never liked the dark brown colour though. I want to change it to pink or mauve. I think it’s worth painting it rather than getting a new door when this one is relatively recent and good quality.…
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Ring door bell parts
I got a new video door bell plus and it’s missing the large raw plug and large screw but only seen parts for the smaller one screws for the £2.99 spares?
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The ups, the downs and the insides out of growing your own in 2026!
Welcome to the new ups and downs of growing your own! Everyone is welcome. Come and tell us about your growing shenanigans Maybe tell us a bit about yourself; What do you like to grow? Are you going to try anything different this year? Did you try anything different last year? Did you like it? Would you grow it again? Do…
