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2026 DECLUTTERING CAMPAIGN Mrs SD - our Year of Redistribution
To use Guineapigsqueaks/Sa1sysoo words “A new thread for declutterbugs in (2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025) 2026!" My 2025 has been another washout on the decluttering & decorating fronts as my Decluttering Mojo went ‘walkabout’ presumably as a reminder that I should Plan Ahead 😔 A better year…
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The Cutting Down Alcohol Challenge for March & 2026 :)
Welcome to the Cutting Down Alcohol challenge for the month of March and for 2026! This challenge is all about helping people cut down or even give up on their alcohol consumption, mainly for health reasons, but it can also save a lot of money, because the cost of buying alcohol really mounts up over time and sometimes you…
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Marvellous March's No-Spend Days Challenge!
Welcome to Marvellous March'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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YNAB robber needs help to execute the plan
Right, I am going to finally start a diary on here. I am being supported financially by my OH to allow me to help my sister care for my 90 year old father. I have an expensive event in Feb that I need to save for. I have been using YNAB since Feb so I have an accurate record of my spending for 6 months. It's not pretty. I…
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Technical question - UC AP
Hopefully someone will be able to assist me with yet another question ! I was considering expediting my UC application, so opened an UC account and started populating the 'To Do' list. The key reason why I was delaying my application was that I have savings that are locked in inaccessible cash bonds. By pure coincidence (I…
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Cheery's path to fulfilment - finishing the DIY, looking after myself, appreciating the garden 🌻
Hi all 😊 I'm Cheery 😊 By name and (usually 🙄) by nature. I've been around here for many years, taking in all the excellent wisdom and trying to use as much of it as possible 😊 We are two, Mr Cheery and I. We have been together for over 18 years 😮 We moved to the countryside six years ago, gained a large mortgage, and a…
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Can I avoid interest payments by selling my Gilt ETF before the Reporting Date and re-buying?
Hi For tax reasons I would like to minimize interest owed during the tax year 2027/28 (EDITED - I originally wrote 2026/27), but I still wish to hold a Gilts ETF. Am I correct in thinking that if I was to sell my accumulating GTLA ETF (Invesco Markets Gilts) just before the last day of the reporting period (31 December…
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Revolut Card - maximum deposit
I have just got my first Revolut Personal card but I find the Help a bit vague about limits. I will need to put a large amount on the card occasionally (£20K or more) from my bank account. Help says there is no limit for bank transfers but it also says there is an automatic limit on all cards. So which is it ?
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Do I need to have software?
I am a registered partnership with my wife and have been trading on eBay for several years. I fill out a partnership tax form every year and want to know how the new tax reporting will effect me. I use a simple spreadsheet to record income and expenditure. My turnover is less than £20,000 per year with about a 15% profit.…
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Tryingtobesensible2026
Have lurked and read a few of folks diaries and inspired to start my own. I have my mortgage as my main debt currently owe £89509.05 on a five year fixed rate coming to an end April 2027. Very aware and watching interest rates at the moment regarding this. I have to thank one diary member for an idea from one diary I read…
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Old MR16 bulb exploding glass.
The bulbs in my downstairs toilet must be 15+ years old. Switched them on and after only a minute there was an almighty bang and 2 of the 3 stopped working. Tiny bits of glass everywhere. The 3rd one is still working, so I’m guessing the circuit is fine, but would anyone know why this happened. I would have thought there…
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Spar Unwanted vouchers / voucher requests
If you have won a spot prize on the Spar Spin To Win competition, https://forums.moneysavingexpert.com/discussion/6491301/e-01-01-win-10-000-spar-spin-to-win-daily-prizes#latest, which you do not want please feel free to post the voucher here including what the voucher is for.
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Missing NHS pension.from the year 2000.
I was a nurse at a london hospital. I worked there for two years and I joined the NHS superannuation scheme in 1999 ish. Fast forward to today and I am trying to locate my NHS pension. I contacted the NHS pension tracking system in Newcastle and they said, they have NO RECORD of me being in the scheme, even though I showed…
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Not my car, not my plate. Scandalous dereliction of care.
I wonder if someone, more well versed in these situations than I, will kindly let me have their thoughts please. I have received a parking charge from an outfit called "Saba Park Services". They alledge I was illegally parked in "Chalfont" without a ticket and are demanding a £60:00 penalty. When signing into their…
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Pre-emptive upgrade to solar export allowance?
My solar PV system was installed in March 2019 and my inverter is limited to 3.68 kW of export although peak output from my panels is 4.8 kW. At the time the installer submitted a G83/2 form to this effect; I think this was the forerunner of G98. If I ever want or need to replace my current inverter I would opt for one…
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Conventional automatic transmission?
Can anyone recommend a small used car with a conventional automatic gearbox? I am loyal to Toyota and Honda but their Yaris/Jazz have CVT gearboxes and I would rather have a mechanical one, as I do on my larger Toyota and Honda. This is for my daughter, who can only drive automatic, and we are looking to spend up to £7000.
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ROYAL MAIL PENSION QUOTE AT 55 DONT UNDERSTAND
Hi i had my pension quote from royal mail im in section C - my understanding is that theses are the figures if i decide to take my pension at 55 My RMPP pension shows the following Option 1 regular income £1503 pa tax free cash none tax free cash from cash balance none leftover benefits from cash balance none Option 1A…
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How do I remove an unwanted guest living in my caravan in the garden?
I have read through another thread where a person had someone living in a room in their house and refusing to leave. Changing the locks seemed a strong recommendation. My problem is slightly different because the person is living in my caravan in my garden. She came seven years ago for a few weeks while she sorted out…
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Wealth inequality in the UK – quick (10 min) university study
Hello everyone, I’m a master’s student at the University of Portsmouth and I’m currently conducting a short online study exploring how people in the UK respond to information about wealth inequality. The study takes around 10 minutes and involves reading a short article followed by a few questions. Participants must be 18+…
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Business vehicle recall - is compensation possible?
We have a Mercedes sprinter van that has had an outstanding recall since last year due to a problem with the software. We have booked an appointment this week and have to drive around 2 hours to the garage and back twice to drop it off and collect, as well as being picked up and dropped off while the vehicle is in the…
