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Premium bonds - Exceeding 50k limit?
I've had the max 50k in premium bonds for a couple of years now. A couple of weeks ago, my parents were clearing out some old paperwork and found a bondholder's number with my name on it. They don't recall opening it, so it was almost certainly a christening/1st birthday present or something along those lines. I've put the…
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Debt and Caring
An unprovoked attack on my ankle by a metal workout bench has me lying down with a foot up this evening. Which makes this the ideal time to start this diary. And possibly to declutter some exercise equipment... Yesterday I was £9993.61 in debt. Today I have made a £1500 payment to one of my credit cards taking me down to…
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universal credits for self employed
Hi have just been transfered from tax credits to universal credits income and expenses are reported monthly. When I reported my expenses I was told you can only claim a maximum of £41 per month for insurance banking and legal expenses combined. I own a car repair garage and have to insure customers cars when they are at…
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International
Driving Permits (IDPs) now required for renting a car abroad
Apparently you now need an IDP to rent a car in several countries, including New Zealand (where we are planning a trip). I have no issues with this but why can you not get the IDP online! You have to go to a PayPoint Store and as I have discovered from the web site there aren't many of these around. The nearest one to me…
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Montenegro
Hi, we (myself and OH) are thinking of taking a weeks holiday in Montenegro in June. Can anyone recommend any particular areas to stay? Want to be near a beach but also do some sightseeing. Have been looking at Kotor, is it worth staying there or just doing a day trip? Any suggestions gratefully received. Not got a huge…
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Donation of prizes for charity
Hi, I'm raising money for Kidney Research UK doing a fundraising afternoon and looking for prizes to do a raffle. I’m struggling for ideas has anyone got any suggestions or ideas?
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15months to debt free - I hope
Well I thought it was time I started a diary having put my two pennorth into several others. Brief bit about me. I am a retired careworker having done other things as well. I have a husband who has mental health issues and 3 old dogs. A 15 year oldJack Russell X who has heart and kidney failure so I am not sure how long we…
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Prosperous & Creative Soul & MFW Year 3
Two years ago I finalised my divorce and completed on my biggest ever mortgage - £202K and switched from interest only between 2 of us to repayment on my own. I took the term for as long as I could - so 22 years - which means I would be 73.5 by the time I was actually free. I've used my post from 2 years ago as a prompt…
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BT share cert confusion..
Hi all, i think i have this sorted but just checking ! (A) I have a shareholding in BT group represented by 1 x cert with a date of 21/11/2021 (B) I also have 3 x share certs with dates prior to this which are for British telecommunications and show the piper symbol These certs just show the BT logo and the piper symbol.…
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Double glazing replacement
Roughly how much would it take to replace these windows in white pvc? - excluding porch window - in Merseyside area?
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Pay off mortgage and start having even more fun 😁
Finally after twelve years of part one of this diary it’s time for part two 😆 Heres part one, slightly lengthy now to say the least! https://forums.moneysavingexpert.com/discussion/2408201/pay-off-mortgage-and-start-having-fun/p1 So condensing 12 years into a few sentences…. I joined the mfw board in April 2010, with a…
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Keeping our options open
Hi Everyone, I've debated setting up my own MFW diary for a while and I've finally decided to go for it (hopefully the children will stay asleep long enough for me to write my first post!). We took our £200k mortgage out nearly 5 years ago on a 25 year term so that it would be paid off by the time my husband turns 60 and…
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Getting out of my Octopus fixed rate early
Hi I am on a Octopus fixed rate with exit fees that ends on August 10th. As bills have come down below my fixed rate prices in April to June and are predicted to fall further in July to September i want to get out early. I know when i am 49 days before my fixed rate ends ( 22nd june) i can leave to another provider without…
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Ipad , which generation ?
Hi , I am looking at getting an Ipad to replace an old Amazon fire tablet that is a little too slow and small now I would like to mainly use it for Kindle and Readily apps and the odd bit of browsing I dont really want to buy a new Ipad but would be happy spending up to £150 on a renewed Ipad off Amazon Would anybody be…
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The Best Is Yet To Come
The Best Is Yet To Come - or so the front cover of my new diary says. I normally hang out in the debt free wannabes, but as I have had my diary on there for almost 10 year (yes the same diary), and have been debt free since April 2018 I thought it was time to migrate over to the mortgage free wannabe area. Please be gentle…
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RAAC and private dwellings?
I expect everyone has seen/heard about RAAC in the press recently. All the reports mention its use in public buildings (schools, hospitals, courts etc), and possibly some council built high rise flats. What I can't find is whether it was used generally at the time - I live in a late 60's built low rise block with a flat…
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Find the SecondStar and soar, and then straight on till the morning…
This feels like an appropriate time for a finance thread. I’m in County Down, Northern Ireland. Story time: My ex partner and I broke up 2 weeks ago. We had been together for 4.5 years, we bought a house together as joint tenants 2 years ago, and had been combining incomes and savings for 2 years. We have separated our…
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deleting facebook completely
I've been receiving a couple of emails last few days from facebook with password reset codes. I never requested these codes. I used FB very briefly a few years ago and then deactivated it. Was going to try and delete it completely sometime after that but when i tried to log in it requested me to send ID. I do not want to…
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Now TV offers
My Now TV entertainment pass went up to £9.99, so I did the usual and tried cancelling expect them to give me an offer, but nope they just cancelled. Is there anyway to get a new Now TV entertainment pass at a good price now, as it seems like the old ways to get it cheap have all gone.
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Bed and ISA
I'm trying to research how to utilise Bed and ISA for some of my shares as now the levels of interest etc. that can be earned tax free has dropped again and I could potentially hit the 40% tax rate, I feel that it is time (probably well overdue!) to reduce my tax liabilities. I'm also aware of the CGT liabilities as well,…