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Octopus Go Intelligent Tariff - recent changes
Can anyone understand the recent changes? I've watched several YouTube videos and they all have a different interpretation of the new and highly complicated rules. It's very hard to make heads or tails. To make matters worse, a friend who's already with Octopus (I'm still considering, having now bought an EV) told me about…
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Moving on with things
I have debated posting this for a few days or so. One of the main reasons I wanted to post an update is because recently I said goodbye to my car for good having made the decision to lease another electric car through my business. A decision I simply think I wouldn’t have made without having been on here. My wife and I are…
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February 2026 Grocery Challenge
Welcome to the 2nd Grocery Challenge of 2026! As always this challenge is to reduce your own grocery budget to levels that you will be pleased with, not forgetting that we always recommend that you stay inside your own comfort levels and take things gently one step at a time. Remember that this is not a competition....it's…
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MeandO's money-shuffling
Long time member here, sneaking back over from the MFW board... Previous diary here for those that want a back story: Money-shuffling towards mortgage freedom — MoneySavingExpert Forum Although my only debt is now my mortgage I've had to shift my focus from OP'ing to building up my savings instead, so don't really feel at…
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Delay on buyers mortgage application?
A bit of a general question as we dont have the specifics so just general thoughts. Its now been 8 weeks since we accepted the offer on our property. At first were expecting the buyers to try and reduce their offer after the Level 3 survey. But that didnt find anythihng and we made it clear that we were not going any lower…
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Charge your EV from home
Charge your EV from home even if you do not have a drive? I thought I would share this. https://www.kerbocharge.com/locations/leeds
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Universal Credit messages
About a month ago, I received a message from UC asking if there was anything they could do to help with my situation; it stated that it was voluntary & that the intention was not to do a review. I didn’t reply. I received an almost identical message yesterday. I’d prefer for things to carry on as they are, however, I’m…
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2026 Fashion On The Ration Challenge
(The Fashion On The Ration Challenge is about restraining our shopping impulses and buying the clothing we need as well as what we want. As @Laura_Elsewhere said "If this group is about anything, it's about understanding how we buy and what we buy and when we buy...". After some discussion, it was agreed that the 2026…
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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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Backmarket warning: only if you can be without your phone for 10-14 days
Hi folks. A quick warning for anyone considering buying a phone through BackMarket. I am self-employed; I rely on my phone for my business. For sustainability reasons I bought a phone through BackMarket in May last year (order no52040065) It now has a fault and the only option BackMarket is offering me is to post my phone…
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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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Nationwide - pay out to two accounts?
apologies if this the wrong place, but I wasn’t sure where else to post this. we’re trying to deal with my dads estate, and nationwide are saying the can only pay out to one account and not split them between two accounts. For a bit of rough context, my dad had 8 accounts, 4 ISAs, and 4 other accounts. We want the money in…
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2026 Frugal Living Challenge
Welcome to the all new 2026 Frugal Living Challenge Challenge yourself to live a frugal lifestyle so you can afford the freedom to enjoy life. This is about household budgeting, simple living and being creative with your money. Frugality can be a fabulous lifestyle choice for debtbusting, boosting savings or investing in…
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Saving for Christmas 2026 - £1 a day
Welcome to the 🎄Saving for Christmas 2026 - £1 a day🎄 challenge. So many of us have enjoyed doing this challenge over the years, so here it is again. A bit late starting this one as still not heard back from kdalwayskint who normally runs this challenge, so thought I'd get this one underway before we get too far into…
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Dropping in petrol station at airport.
Parking scumcos issue PCNs for people 'dropping/collecting in petrol station' on airport grounds. Note airport parking is not regulated under byelaws so sadly they can use POFA 2012… They issue to RK who then transfers liability to driver. Driver says to scumco - I stopped to use the petrol station/attached shop…and…
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Fabulous February's No-Spend Days Challenge!
Welcome to Fabulous February'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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£10-a-Day Challenge: 2026
Hello everyone! I used to be part of this challenge years ago, and after a long hiatus I’ve found my way back. The aim is simple: find or earn an extra £10-a-day to put towards debt, savings, or whatever financial goal you’re working on. It’s a fun, motivating way to build momentum, and every little win counts. Would love…
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Baby steps to mortgage freedom for beanielou.
My first thread on the MFW board!! My mortgage has 6 & 1/2 years left to run. My income seems to decrease more & more & it becomes more & and more of a challange to pay my hefty(to me) mortgage. I have managed an overpayment last month as I got some £££'s unexpectedly. My biggest fear is not being able to pay my mortgage &…
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Let's get this sorted then!
Hey everyone, I went back to uni just before I turned 40, so have quite a lot of debt from that, and from generally trying to live whilst working and studying. I tackled a bit before the end of 2024, but that was mostly getting on top of things, doing some 0% balance transfers, and I paid of two small debts of about £250…
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Is this estate agency clause as dodgy as I think it is?
I've been reading the contract for an estate agency I've instructed to sell my house (haven't signed yet) and this clause worries me. Am I right to be worried about it or am I misunderstanding something / is it standard? Ready, Willing and Able Purchaser A purchaser is a ready willing and able purchaser if he is prepared…
