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DMP set up but wondering if I should have defaulted first, and is too late to change?
I'm 29, based in London, earning £2,290 a month. I've just had a DMP set up through StepChange yesterday and they've confirmed they've received my paperwork. But before I fully commit I wanted to get some views on whether I've done the right thing, specifically around the defaulting first debate. My debts Total…
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Removing Charge from deeds
I am looking for some help as to removing a Charge from Land Registry records. Several years ago, we loaned our daughter some money and on legal advice, placed a Charge on her property. We would now like to write off the loan and have the Charge removed. Is there a simple way to do this ourselves or would it need a…
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ISA/IHT
I'm a financial adviser - rule means ISAs aren't always tax-free Is thistrue??
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Don't F*** With Paste
…is the name of my Chrome browser extension that stops websites from disabling paste functionality, primarily on login pages. It's being flagged by a couple of minder programs as "risky", anyone able to recommend a replacement?
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Moving to Aus, advice needed please.
Thanks for your indulgence here, please move to another forum if I've mucked up. My situation is this; Next month I will be moving to Australia for a few years, (no fixed period, but probably 5 years or so.) In the UK I will have my state pension, and the rental on our house, paid into my (Lloyds) bank account. I will not…
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Worth getting a firestick?
Got WiFi and basic virgin plan £34 at the moment. Is it worth getting a firestick? This one?
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1% challenge 2023
Welcome to the new home for the 2023 1% Challenge - 100 ways to make your 1%. This challenge was started a couple of years ago by Little Miss Uni Debt, I started using this challenge last year and found it really helpful in focusing on paying off a more manageable amount at a time! I’ve copied below Little Miss Uni debts…
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Gilt Ladder Builder site question
Looking at the https://lategenxer.streamlit.app/Gilt_Ladder for ILGs, it seems that some of the gilts (e.g. T33 and T28) are greyed out. Any idea what this means? There seems to be trades ongoing each day. I wish to purchase some T33, but not sure if they are actually available or not?
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Thrifty in my 60's
Next year I reach 60. I have never been bothered about the other big O birthdays . Being 60 does bother me, for various reasons. 1 My father died when he was 60. 2,It is the decade you retire in 67 for myself. I am going to start saving and being thrifty, Also what did you all do when you were 60. I have arranged to go to…
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Need to stop spending and chasing dopamine!
Hello! I’m creating this diary to hold me accountable, as I’ve been trying to pay this debt off for 3 years now and I just keep kicking the can down the road so to speak. The good news is it’s all on 0% interest. The bad news is I need to have the most boring year next year (aside from a holiday) to be able to pay it all…
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Size of televisions
Who else here is not a fan of larger televisions? I have a 32" screen and it is plenty for me, plus where one sits in my living room, a screen any larger will be partly obsured by a wall shelf I have for a pricey turntable and one of my expertly placed pricey hifi speakers.
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Tesla PCH terms
My current car (VW) is coming to an end on its PCP deal which I am going to hand back, I have came across a brand new Tesla on a PCH deal 2 year lease around 295pm for 2 years. This seems a really good deal but I have never leased before, was just wondering if there is anything I should be careful of as I know new cars may…
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Fuse Energy & OFTM Reviews please ⚡️
Do you use Fuse Energy? What do think? How is the customer service? The App? Billing? Please let me hear your reviews. I've read the previous threads, Trust pilot etc. I'd like to hear from current or previous users. I'd also like to hear the same about Outfox the Market? It's time for me to divorce 🐙 It's been a long time…
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Garage Floor Wet - Rising Water
Hello. I have a detached double garage that's build in the garden, and it is often flooded. Sometimes the entire floor is submerged in 10-15mm of water. I'm not sure of the exact thickness of the concrete base but there's easy 8" visible above ground. When it rains heavy, water can be seen to pool up in other areas of the…
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Aggressive buyer Exchange issue
Please advise. My first sale fell through 2 months ago, was for the full asking price and no post survey quibbles. Then down the chain collapsed. New buyer immediately offered a big whack under asking. EA pointed out unreasonable in the circumstances and so raised it a bit. This 2nd survey said roof old but not leaking.…
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CCJ set aside of CEL claim
Hello Everyone, I’ve received another letter from DCBL regarding their intention to request a warrant of execution, and I’m unsure how to proceed. Here are the details: On October 2, 2024, I received a letter from DCBL regarding an unpaid CCJ £297(date of judgment 04/07/2024). This was the first time I was made aware of…
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Frump to Fab 2026.
Good Morning lovely ladies...... Welcome to the new thread and a happy new year to one and all. Am I fab yet. Lol. Nearly, but not quite fab enough yet, there's always room for improvement, so I continue my journey to fabdom. My word for this year is refresh. Me, my home, my life. 🤪 This year I want to change my image a…
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Old Style Daily Sunday 19 April 2026
Are we all sleepy this morning?
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Bridge to state pension - ringfence funds in lower risk or just draw from overall pot?
Not sure there is necessarily a ‘right’ way but would like feedback. target is to retire in 3 years time. I’ll be 58 and a bit, wife will just have turned 59. 8 years for her state pension to kick in, about 8.5 years for mine. Have a DB pension that should pay £15.5k from april 2029. Income needs - 40k net initially,…
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Should a full refund include delivery costs?
I bought a laptop which failed 4 months into a 12 month warranty. Long story short I ended up sending a right to reject letter as they had it for way more than a reasonable amount of time. They said 10 working days and as of yesterday they have had it for 32 days with no updates and I have been without it since it broke 2…
