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Tax efficiency on savings interest
Hello all, I have inherited a lump sum that I'd like to keep as savings until I retire in 5 years, with a view to buying a house for my retirement. It would help a lot to minimise the tax I have to pay on the interest over the 5 years. I've seen somewhere that if you pay the interest into an ISA, it won't be taxed. Is this…
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Back again
Morning everyone, I closed my DF diary a few months ago for various reasons at the time. However on reflection I think I haven't been myself for months , but I feel myself coming out of the place I've been and wanted to be back here. The last two years have been very testing with RL things going on in the back ground but…
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Moving on from Nest 3 for more savings on central heating
I made good savings last winter from installing a Nest 3 on my combi boiler, while also range rating the 30kW capacity down to 15kW for heating and setting the max flow temp to 60°C. However it was still switching the boiler on/off without any interaction between the boiler and the controller. So for this winter I've…
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A whole new world, for now
So, here’s the new thread I’ve been promising myself for a few months. My old one, that served me so well, is https://forums.moneysavingexpert.com/discussion/4855808 A potted history of me. I’m 49, live in NI with OH, DD and dog and DS is London based. Have been in debt for a lot of my life and came here post personal debt…
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DCB Legal claim on behalf of G24
Hi all, First thankyou for the help provided on these forums for everyone fighting against these claims. I have (hopefully) followed the newbies thread up until now, in that I now have a claim lodged against me after I ignored all the threatening letters. I have acknowledged service on MCOL and am now drafting my defence…
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Headphone amplifier
Any audiophiles on here: looking for suggestions for a good quality headphone amplifier that I can use portable, doesn't necessarily need a battery if I can power it from my own 6A USB power-pack. Preferably class-A or H and balanced with XLR-4 output although will initially at least only be use with single-ended…
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Income tax or capital gains tax
I am filling in my tax return and I have used Koinly tax software for my cryptocurrency disposals. It has worked out the number of disposals, disposal proceeds, allowable costs, gains in the year before losses and losses in the year and the amount of CGT due. There is also an "other gains" section with £280 profit.…
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The final countdown to June 2026
After +15 years of lurking on the site l have finally decided to create a MFW diary of my own. A brief-ish history 2009 took out current mortgage a tracker with FD, +0.79% base rate, allows fee free unlimited overpayments, and crucially, withdrawals upto the original amount borrowed. Thanks to your inspiration, super low…
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Websites/Companies Buying Homes for Cash
Hello I'm considering moving house in the next 6-12 months (my current home is a first-time buy so this will be the first time I will be selling and buying a house) so naturally have been doing some research - e.g. market values, average selling times, typical fees etc. A few google results popped up with websites and…
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VCS crash and burn at Southampton County Court: Bristol Airport Case
In The County Court and the Family Court at Southampton Before Deputy District Judge Giddens Sitting in Courtroom 07 Monday 3rd March 2025 10:00 AM L1QZ014X VEHICLE CONTROL SERVICES LIMITED -v- JONES Greetings to all on this warm Bank Holiday Monday. I'm ever grateful for the help I received for my residential case from…
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DCB LEGAL cp plus/groupnexus court claim
hi, only just discovered this forum very late in the day as i need to file a defence by this weds 17th. finding it tricky from a read of the newbies forum to know what steps are now at this later stage. claim made to northampton civil national business centre for overstaying at a motorway service station that positions as…
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Moved: Trading Loss
This discussion has been moved.
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Apple muncher's number crunching
Time for me to start a diary :j. I work 2 days a week, dd is at school and dh was made redundant in the summer. We are living carefully, although the redundancy money is being nibbled away at of course. We are fortunate to have no debts other than the mortgage, so I would like to get rid of it! We'd also like to have a…
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Lime mortar frustration
I need to repoint a small area of the front of my house but cannot seem to buy a small amount of lime mortar for the purpose (Victorian property), it all comes in 25kg bags, any ideas?
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Claiming off house insurance for contractor's mistake
Hello
Everyone, I had a
plumber fit a new heating system last year and now one of the joints he fitted
has failed and caused a lot of damage. Although he has admitted using the
incorrect type of fittings (against manufacturer’s instructions) he is denying
responsibility – because he’s always done it that way. I have proof…
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Selling a stamp collection, advice needed please
Hello, this is intended for any stamp collectors who are proficient
with buying and selling. I have a collection
that I wish to dispose of and I need some advice. I’m not jumping
into selling yet, no rush there, this is really about managing
expectations when I don’t know what I’m doing. The collection is
English First…
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Interesting report about retirement lifestyle (Quilter Retirement Lifestyle Report 2025)
I just came across the report about the attitudes and health of retired people. It is interesting to see that spending is far more realistic compared to the Retirement Living Standards: from PLSA or as they call themselves now, Pensions UK. It suggests that the average retiree spends £22,141 annually, with holidays,…
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eBay simple delivery (merged)
This thread has been created by combining posts from more than one thread
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Buiying a new car with exisiting debt
I've just finished my PCP agreement for a car (£330pcm). I need a new car but have the following set of circumstances: - Credit Score 847/999 (Good) - Personal loan / £7,400 to pay of £10k / No missed payments - Mortgage / £184k left to pay of £201k / No missed payments - Credit card / £10k but 88% utilisation / No missed…
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Time to look at energy deals
Hi I have an alert my energy deal ends in September and I've had a brief look at the price comparison. I have used the data from full year last year as its tricky to do so for this year. Currently with edf ELECTRICTY Tarriff 22.82 p Standing charge 70.33p Gas Tarrif 5.96p Standing charge 30.28p I did the energy club…
