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Awful weather - typical Brits talk
Well it's been downright awful here in Somerset for the last couple of days with non-stop rain! Just wondering how committed you lovely peeps are... have you been put off by gardening when it's raining? Are you a shrinking violet or a hardy perennial? Just a light hearted thread ☔🌧️
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Mellow Fruitfulness
Our Autumn OATs (Outstanding Annoying Tasks) thread With thanks to Keats and the Met Office for the thread title https://weather.metoffice.gov.uk/learn-about/weather/seasons/autumn/autumn-facts I think my main OAT aim this autumn is to get a lot of foodstuffs out of the cupboards and not wasted, which is going to have to…
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Conveyancing
* I am coming to the end of a house purchase. First time buying.free hold but in an estate with an annual maintenance fee. There are two outstanding enquiries which my solicitor is unhappy about. The sellers solicitors are refusing to deal with a plans issue any further (they are not in colour). This should be a…
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An in-between phase
I am largely starting this thread so as to not rudely put a long whinge on the lovely @foxgloves and @EssexHebridean threads! I will talk a little more about my slightly unsettled life situation in due course, but for now, just whinging 😂 Today I have been trying to switch to a more money saving phone contract. It has been…
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Sell inherited property to sibling for less than probate value
Hi, first post so apologies if I have made any error in where to post. My father has passed away and I am set to inherit both of his properties. My half sibling lives in dad's second property and has done for several years. This has been an agreement between them and their stepfather (my dad) as it was beneficial to both…
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NST OCTOBER 2025 Optimism, Opportunities and Overcoming Obstacles
NST OCTOBER 2025 OPTIMISM, OPPORTUNITIES and OVERCOMING OBSTACLES September wasn't great for me, I've only had one symptom free week since the beginning of August and had a mental health dip as well. However I'm determined that things will get better and have decided that October is a time for OPTIMISM, for grasping any…
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Should itsthelittlethings spend less on coffee?
Hopefully this works as an all new diary for me. Will add my debt into my signature and keep track of how I do going along.
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How to read a Gilt for a pension gilt ladder?
Looking at the Gilt example above on Interactive Investor, please sanity check my understanding. So I'd buy the £100 Gilt for £96.60 if I were to buy it today and I'd get back £100 upon maturity making me £3.40 profit which would be free from CGT (good to hold in a GIA). 3.40/96.60 = 3.52% I'd also get a 37.5p coupon in…
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CP plus Parking Charge
I've received a parking charge letter via post from CP plus for £100 for not paying for parking in St. Peters Retail Park in Mansfield. The letter states I stayed for 1hr and 3mins and exceeded the free 45 mins. I've read the newbie forum and was going to use the template but wanted to ask if it was appropriate as the…
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All change for 2025
I thought I'd start a new diary to have a fresh start. After almost 21 years in my job, I've recently been placed at risk of redundancy. I'll find out for sure in the new year. If I manage to successfully challenge the redundancy, things will be very different at that employer next year, and if I do go, there will be a…
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Issue at Bershka - Item Confiscated Despite Payment Proof
Hi all, My wife and daughter visited a Bershka store yesterday. Upon leaving the store, the security alarm was triggered for an item my wife had just purchased. The security guard's response was highly unprofessional and rude. He immediately accused my wife of not paying for the item, causing her significant embarrassment…
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Living Large, on a Small Income, by the Sea.
I am living by the sea in a beautiful house. (I can’t believe that sentence is about me) I have spent two years living in other people’s homes. I ended up on a sofa for several months. The joy of my own home, my own key, my own bed…it is indescribable. I had to go to the top of my budget to buy the house, but it is exactly…
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Resourcefulness: The budgeter's friend
Happy New Year to readers old & new! Well, it's time for a new chapter. My old diary ("Put away your purse & become debt averse") achieved pretty much what I intended. I shared the story of how I got into debt at the age of 19 & stayed that way until a pretty enormous lightbulb pinged on during my early 40s, I've shared…
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Length of Residency
I have LPA for my 92 yr parent. They have been resident in UK 2yrs : previously in France. Permanently resident in UK now but always maintained UK bank account. My issue is I would like to transfer her ( UK) credit card to 0% but we seem to fall at the hurdle of address in UK less than 3 years. Anyone know of any out…
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Stockbrokers for Investment Clubs Sep’25
I’m a member of a longstanding Investment Club. Our Broker, ii, has just given us 2 months notice that they are ceasing service for Investment Clubs. Can anyone suggest an alternative Broker please?
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Progress not Perfection
Happy New Year! I thought it was about time I started a new diary. I've been on these diaries since 2008. My last diary is here Things
can only get better My first diary is here Champagne Lifestyle Lemonade Budget and the one after that here Looking for the Silver Lining. That's a hell of a lot of waffle over the years 😆…
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son UC/carers/work ~~~~~~ Update~~
hi,i recieve UC and pip both parts both high and also get trans protection on my UC,.My now adult son 18yrs lives with me and left School in July 2025 so was on my claim but any benefits for him stopped,fair enough he does help me with tasks for me and around the house etc,he has been looking for work but as yet been un…
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Pay date change
Hi im after some advice, maybe some just to calm me down. so today we received an email stating that our payday currently the 6th of the month will be changing to the 28th of the month. So our last pay will be 6th Feb and then the next pay will be the 28th March. In my contract it states that I will be paid on or around…
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C1 Scotland Inventory
I have done a Scottish C1 Confirmation submission but I'm encountering hurdles getting the format of the C1's inventory accurate and theres nothing online with which to compare. The Sheriff is knocking it back due to 'formatting' issues and HRMC, when questioned (given it's their form), tell me they can't help and I need…
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Reverse Meal Planning
Not sure if many of you will have tried the reverse-meal plan idea. Rather than buying all the ingredients you need to support your meal-plan, you look at your fridge, freezer and store-cupboard and meal plan from that, minimising what you shop for. Based initially on the fresh produce that would be wasted if it is not…
