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Weekly Flylady Thread 24th November 2025
What is FLYLADY? Well, it's our version of the US flylady
idea - but we work on the principle that housework is not fun, it's boring, can
be time-consuming, is often thankless but, unfortunately, necessary. It's here
on Old Style to provide the support we all need and to make the whole task
easier and quicker. We also…
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iWeb Change to Scottish Widows
I've just logged into my iWeb account and noticed a banner that they are now going to be known as Scottish Widows sharedealing which will also give access to the Scottish Widows app. https://www.iweb-sharedealing.co.uk/changes.html I wonder if this name change will increase their reach and profile to gain more customers…
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Reducing window to draw pension income at basic rate
Apologies if this has already been covered elsewhere but is anyone else dumbstruck by how the window to draw income at basic rate is being shrunk by both how the SP will grow into the basic rate band and the freezing of the thresholds? Even if we assume only 2% pa inflation until 2031 then it will only be possible to draw…
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Solar Panels with Battery - Advise on options and questions please
I have been thinking and finally decided to get the solar with battery following yet another increase in prices. It will only get expensive! If not cost I know why not many having this and it's because everything is so confusing. So I very much would appreciate if you can help please? The house is a semi detached property…
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isa
i had full 20000 for year 23/24 in may of this year I with drawled 11900 and replaced in several amounts back up to the 20000 but as it was last years money dose this mean I can add more ie i have added 12314.94 and with drawn -2163.66 that's the 11900 plus's 414.94 i have added and again 2163 with drawn from this year…
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What changes for salary sacrifice?
Hi, I've read that from 2029 the salary sacrifice arrangement will change and that there will be no more NI relief. Does it mean that for amounts above 2k per year both my employer and I have to consider the contributions to the workplace pension as if part of the gross salary without adding them to the taxable income for…
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Always phone ebay and appeal wrong decisions
This is a long story but I'll try and keep it brief . Sold something, sub £10 custom postage, Royal mail showed item was delivered with co ordinates that matched buyers address. Buyer put in a claim that item wasn't delivered, I responded with tracking and the usual 'check with neighbours etc' and buyer responded in the…
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Dreamland snuggle up warming throw, disappointed
I purchased the above mentioned throw, and it feels warm at max setting, which the manufacturers say cannot be used like that for more than 5 minutes. At lower settings the warmth can barely be felt.Am stuck as what to do. Should i try a different throw, or is there an alternative such as really thick blankets or any thing…
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CCJ from old parking ticket, what should I do?
To the lovely MSE community, please help!im usually really good at following How To's and guides, but the newbie thread and even Post 2 has me bamboozled on what action to take and how. Please help. Letters attached. A bit of background; I attended a wedding at Bow Wharf E3 5SN in November 2021 as part of the bridal…
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Filling gaps in National Insurance to boost state pension
Apologies if this has been covered elsewhere. I am self employed and I have just checked my National Insurance record. From 2006-07 right through to 2023-24 my year `is not full`. Nearly all of those years it's suggested I may pay a voluntary contribution of £824.20. What I don't understand is that in most years I have…
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Suggestions for new Phone Network provider
Hi I have been with Vodafone for over 25 years. I currently have 20GB and I use on average 8GB data, and occasionally go over. I have paid off my iphone over the last 2 years and from tomorrow I can change my Airtime contract to SIM only. I currently pay £20.82. I was expecting to be offered something like £5 per month as…
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Solar Panel installer has gone into liquidation
I'm not sure whether it's likely but I thought I'd see if anyone has any useful advice. I'm the treasurer of a village hall. We recently applied for a grant from a government scheme (run by the local third sector interface) to install solar panels + batteries. We got 3 quotes and chose one (which was one of the suppliers…
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Which Mobile phone to buy
My Motorola G7 Power is 8 years old and needs replacing.I have a limit of about £200I use the phone for web browsing and emails/txt - not calling...I have looked at Blackview (rugged) 5G but am unsureI need a fingerprint scanner, decent camera, fast charging and a large battery.
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Leasehold advertised as Freehold - Advice Please
Hi all, FTB here. I had an offer accepted on a property that was advertised as freehold. The estate agent’s paperwork and the contract of sale also stated that it was freehold, so I moved forward with the mortgage application and instructed a solicitor. A few weeks later, my solicitor sent me the title documents. I noticed…
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UC for 16 year old
I have a 16 year old who is home educated not really taking any formal education just child led. He also has a EHCP from local authority. Made a claim for ESA credits only and he was put in the support group in July 2025 he also receives the highest of both care and mobility PIP. I started home education with him because…
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What is your experience with Three 5G home broadband?
I live in an area that says it has good outdoor and indoor coverage and my home is 350metres from the nearest tower, but none of my windows actually face the tower directly so the signal would have to penetrate a couple of homes before it reaches my router. (about 16 metres thick of building blockage) Anyway for those who…
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Gilt Income in SIPP
Hello, When holding Gilts in a SIPP, does the coupon payments and redemption payments just "appear" as cash in the SIPP account when they are paid, or do you apply for them somehow? Thanks
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CCA / StepChange Sanity Check
Hi, thanks for reading! I’m just looking to sense and sanity check and make sure that I’m on the right path and doing the right things. I’ve lurked and gleamed a lot of information from this forum over the months and found it so incredibly useful. I’ve been in a DMP with StepChange since May 2021, this is for four separate…
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State pension/tax codes
My state pension starts this week. I am already in receipt of a DB pension, which has a code of 1243L. Do DWP inform HMRC that the SP has started, so they can adjust the code on the DB? Or do I have to do that? If they do it, will it be done within a month? Then, probably after April, I will start to draw from a DC, so…
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Care home fees
Hi. Mom is in hospital and definitely requires more care than I can give her as I work full time. Hospital are assessing her to determine which type of care she needs, but it's likely to be residential. She doesn't have enough medical needs for CHC. She has virtually no savings but has a warden controlled flat that is…
