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Bed & ISA query
I am struggling to work out whether it is best for me to use the Bed & ISA method to fund my S&S ISA this year, or put £20k directly into the ISA (from money held elsewhere). I bought some shares at 540.50p per share in August 2025. Those shares are now worth 783.21p each. So a gain of 242.71p per share I believe. These…
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Adding Wife To Title Deeds
Hi, what would be the process for adding my wife to the title deeds of my house? Can I DIY using forms from Land Registry or would it be better to pay a conveyancing solicitor? We would be tenants in common and it may not be a 50/50 split.
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Best cream tea scones
In using up (woe is me) a tub of clotted cream, I've inadvertently compared two brands of scones - Tesco finest and coop irresistible. While Tesco's are larger and softer, they tend to fall apart when applying the clotted cream (which by the laws of science and decency, should be applied first). Coops are smaller, but…
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Is it possible/cost effective to insulate a prefab garage to use as a workshop?
I'm not very knowledgeable, so forgive me if I struggle to explain or use the wrong terms I am hoping to move into a house with a large (18 by 30ish) prefab garage with a corrugated roof (which I understand is not asbestos) I am considering converting this into a workshop (fabric/sewing) alongside the normal garage crap…
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ETFs
First time buying ETFs, on ii it has 3 subheading : Market | Limit | Fill or Kill' and https://www.ii.co.uk/investing-with-ii/order-types explains the 4 types of orders, I can only see 3 types : Market orders / Limit orders / Fill or kill and cannot see 'Stop loss orders' - is this correct? I would like to know: 1. are…
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Service charge falsely advertised
I had an offer accepted on a flat in November 2025, with an advertised service charge of £1400/year. Today I have received the documentation from my solicitor including details of the service charge, which is shown as £1800/year. This is the first time I have seen this figure and this has not been mentioned to me at any…
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Easy Saver - how long Chase rate bonus lasts
On MSE it says that the bonus for a new account at Chase lasts 1 year - making the rate 4.5% AER. On Chase site it says: Get 4.5% AER on your savings That's a 2.25% AER boost, fixed for 12 months on top of our standard saver variable rate. Offer may be withdrawn at any time. Available to new customers joining from 29…
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Sold Primary Residence after a period of absence - CGT help please
Hi, We bought our home in 2004 but moved house in 2022 (I needed to get a more suitable property due to my disability). Our old house was in need of some repair, so there was a year or so where work was ongoing, followed by another 2 1/2 years where it was on the market and just not selling (due to the downturn in local…
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Welsh Water Assessed Charge
I have recently applied for a water meter having put in a new stop tap as Welsh Water said I couldn't have one at the previous stop tap location due to access. The potable water comes in under my terrace and goes left and right to the other terraces on the row. The assessor came out and said I still couldn't have a meter…
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Looking for recommendations and advice re a charger for a start/stop battery charger
Hi Some months ago I had an issue where I had to call out the AA because my car would not start after a period of inactivity. The battery had died and I had it replaced. I have been advised that it might be worth my while having a battery charger in case either my or my wife's car develops a flat battery in the future. We…
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Refunding a positive balance using Barclaycard app
Hi All, Long time stoozer. Has anyone refunded a positive balance using the Barclaycard app recently? Is there an automated process or do you have to use the chat and get someone to do it?
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changing tax year end
Hi, As a self employed business I would like to change my end of tax year from 5th April ( which it has been for the last 10 years) to 31st March, This is to align with credit card statements and bank statements and make it easier when I have to complete Making Tax Digital ( currently my gross earnings is about 25K). I…
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Thank god we paid the mortgage off
My previous diary was pulling my frugal pants on. I decided to start a new diary because, well because our new start that we had planned isn’t going to happen. So dad’s house sale finally went through and we’d decided that we would use my inheritance to offset OH dropping a day at work. Money would be tight but doable.…
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Prepared notes in an Interview
Is it ok to refer to notes in an interview?
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S&S ISA - uninvested cash interest rates, why not shown on MSE frontpages?
Pardon my silliness and this could be a very obvious and silly questions but i couldn't find the answer. I've seen lots of ads online where you can open S&S account but you can hold uninvested money in there and earn interest (i think sometimes the uninvested interest is higher than the Cash ISA savings account for a bit).…
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Gas leak and Housing association issue.
Was not sure where to put this post so hope i have put it in the right place. We live in a Housing association flat and on Friday they came to do the yearly Gas safety check and during that check they found we had a gas leak in one of the wall cavity so they capped the gas so we have not had any gas since friday for our…
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Vax Platinum Power Max Carpet Cleaner: not picking water up from carpet
Just received the Vax platinum power max cleaner has a gift, but it doesn't seem to be sucking up the water when shampooing, anyone else had this problem please
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Larger Garage
We have a single garage - a concrete Comptons 21 feet by 7 feet approx. Would it be possible to extend it, width-wise to make it a double size retaining both side walls with a new double door – no idea what the roof would need (its an Apex) – it is fine, length-wise. We have the space and just need the concrete base…
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Is your Personal Savings Allowance adjusted with Salary Sacrifice
I was previously a basic rate tax payer and had of PSA of £1000 and would accrue interest greater than £1000 (outside ISA's) and be eligible for additional taxes. My salary increased to the 40% tax rate so my PSA is now £500. If I salary sacrifice into company pension to get gross pay below higher tax rate, is my PSA…
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Medisafe app no longer free from January 1st 2026
I've been using the Medisafe app for several years to keep track of my medication and supplements. I've found it very useful to prevent me forgetting, overdosing or totally forgetting a med name during a medical appointment. From January 1st 2026 users will have to pay a subscription fee or lose access. It's a fairly small…
