-
Is anyone using a powerstation as a home battery for savings with Economy 7?
Is anyone using a powerstationa s a home battery for savings with Economy 7? I'll explain why I am considering the above. I have been camping for decades and a couple a years ago I bought a 300w, 300Wh powerstation, portable car compressor fridge and a foldable 100w solar panel. It last about 2.5 days without sun, but…
-
Persistent debts built up, 0% periods ending on cards mean its unaffordable - DMP
Good evening folks, I did post in the DMP thread but figured this is possibly worth having my own thread for, so here goes. This month is when I finally stepped back and took stock of my financial situation. Total unsecured debt is circa 70k across a couple of loans and numerous credit cards. I've been managing fine until…
-
How on earth are they MSE's No:1 choice?
I am absolutely baffled how Lebara are MSE's mobile SIM company of choice. I applied for a SIM only contract several weeks ago, and was promised Royal Mail 1st Class delivery. When the card did not arrive, after five days, I contacted their 'CHAT' facility and discussed my problem. I was promised delivery within the next…
-
Merge balances or keep separate?
Hi, looking for some advice regarding 0% balance credit cards. I have a Barclaycard with a balance of £3053. I am paying £105 p/m and will clear the balance at approx June 2028 (before the 0% period ends). I also have an M&S credit card with a balance of c£1300. I pay £100 p/m and will clear the balance at approx February…
-
DCBL, Smart Parking, Court Claim 2025 N279 Notice of Discontinuance 2026
Hi , I wonder if you can help , please. I have followed the threads on here as best as I can. Back in 2020, I used a car park I had often used. I am a Blue Badge holder and we had to pay 70p per hour. This particular day, the machine said "Cancelled. Printing Failed". I knew a lot of car parks were suspending payments…
-
Returning Vinted parcel - since I have to pay is it best to use RM?
Hi all I purchased an expensive bag off Vinted. Typical seller says 'new with tags' yet the item had a lovely time in Madrid, bag full of tissues, a wine cork, receipts (hence I know it was madrid) and crumbs, not to mention damage to the lining. Obviously I was furious since it was a pressie for the wife. #rantover Since…
-
Ftb advice needed
Been given a Aip by nationwide currently on track to have a 5% deposit by April due to Lisa bonus and saving. If we look at houses now and find one we like can we make an offer or do we need to wait until we have the full deposit?? Because obviously that won't be until just into April. And we are very keen to get the ball…
-
One eye on the future ..one eye on the past
New Diary think I got lost in space.Debts are slowly reducing,I sort of have a three year plan ongoing which should mean we are very comfortable in the middle of the year 2023.I'm resigned to this being my abode ...hate my house ..hate my neighbours For that time I want to be in a good place financially to move at that…
-
Son wants to buy a flat/small house
Hi, I need a bit of advice. I have sold my house and am about to move to a different part of the country (buying mortgage-free). My son is going to buy a flat to keep a base in the area we are leaving, so he is looking at buying his first home here. However, as his job is freelance, he envisages renting it out part of the…
-
Eon Next - Back billing issue?
Hi, I am wondering if anyone is able to advise or clarify the rules on back billing and whether it would apply in my case. On 9th January 2026 I received a statement/bill for the amount of £68.37 from Eon Next for "Gas (estimated) 27 January 2023 - 14 February 2023. On 7th January 2023 I had a pre-payment gas meter removed…
-
Mortgage Free now aiming for FIRE
Time to start a new Diary. I have had my old one since Autumn 19 which is when I moved into my forever home after 4 years of renting in London. I am 52 and I live with my DG on the South Coast. I have a well paid job for my sector and was finally made permanent and full time in December 21. DG is self employed which she…
-
Update: Withdrawn from uni, can't get out of tenancy
My son is withdrawing from his university course in Newcastle due to his mental health having been really bad in his first year. He had already booked his accommodation for the second year in a private halls of residence, not uni owned. He can't get out of the tenancy and the halls staff have told him to find a new tenant…
-
Shared Ownership, Staircasing to 100% & Using my boyfriends LISA
I bought my 35% share in my property in 2023. The value of the property now is valued at 270k, My boyfriend and I would like to move in together. We decided in the local area we cant find anything as nice as my house for the same value. I have a mortgage on the 35%. To staircase to 100%, we would need to get another…
-
Flight changed and now not direct flight - via another airport
Not sure if this is the right forum but couldn't find anything else appropriate I had a flight booked with Vueling -Spanish airline 9th February LGW to Alicante 1300 arriving 1630 8 January (outside of 14 days) the flight changed to: 1010 arriving Barcelona 1320 leaving Barcelona 1535 arriving Alicante 1645 I was given the…
-
BITCOIN
Is investing in Bitcoin really worth it or is it all just a scam ?
-
Current account switch to Nationwide Flex-account , from Chase, help please
HI there, I have wanted a Nationwide FLex accoutn for some time as I have heard that the Nationwide is fairly ethical and that they give out £100 bonuses each year (though I'm not sure if these are for savings accoutn or current accoutn I still would like one of their current accounts. I have seen the £175 incentive for…
-
Nationwide won't allow interest to be paid out of my ISA
The last time I opened a cash ISA with the Nationwide it wasn't possible to have the monthly interest paid out into my FlexAccount. That was OK then but soon I'll want the income from ISA interest. Why don't Nationwide allow interest to be paid out, even when the interest is paid monthly? I asked in branch and the advisor…
-
CGT - Private Residence Relief when moving into care home
Hi, Mum and Dad own their property outright as tenants in common (equal share). Dad has moved into permanent/long-term residential care, mum continues to reside at the property. I am interested to understand dad's capital gains position as the property is no longer his primary residence. I understand from the tax manuals…
-
Address history discrepancy from 18+ years ago
Hi, I have been living with parents in this house for 20 years, with all bank applications using this address, however when asked for date moved in, I have put a date which I have just found out to be 2 years after when I really moved in. I am planning now to apply for a mortgage, and am wondering whether it would be…
-
Now TV Boost
The Boost part of my membership has just expired and I am being offered a deal on Ultimate Boost but nothing on Boost not even the normal price. Have they scaraped new Boost contacts?
