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1% challenge 2023
Welcome to the new home for the 2023 1% Challenge - 100 ways to make your 1%. This challenge was started a couple of years ago by Little Miss Uni Debt, I started using this challenge last year and found it really helpful in focusing on paying off a more manageable amount at a time! I’ve copied below Little Miss Uni debts…
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Some advice please
Hi everyone, i have been hovering over the post button for some days how. I am in around 21k of personal debt. 3x credit cards & a Very account. 10k, 6k, 4.5k & £500 . I have considered a DMP with step change but then I have been reading threads on here for around a week which suggest the best form of action is to first…
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AdBlocker
Hi, have messed with this (was installed), have reinstated it, but now I just get sound and no pics. It IS installed, so... any ideas pl TIA
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Plodding Along
I've been on here for a good few months now so it's about time I start my own diary. I have been in debt since I was 18 when I got my first credit card and I'm 41 and a half now. The debt has fluctuated over the years with the highest being around the £20k mark, but my head was firmly buried in the sand then. I started to…
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Nationwide Flex current account maximum daily transfer allowance?
Does Nationwide Flex current account all have different maximum daily transfer allowance? As I have managed to transfer one amount from one of my Flex account to two different external banks before I hit my daily allowance.Today, I have tried with my second Flex current account with a lower amount and it says I have…
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What Freebies Have You Received Today?
As the old thread has over 6000 posts its time for a new thread. What Freebies Have You Received Today? Please post all discussions about what freebies you have received today on this thread. This is a continuation of this thread https://forums.moneysavingexpert.com/discussion/3766189
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Part-time Uni Course and UC
General query: Can some-one who works(9-3.30 in a school) and gets the carer element of UC study a part-time Certificate of Higher Education Course(2 year course 16-18 hours a week)? Also will the student loan(for the course) affect the UC award?
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NTK PCN from Smart Parking for Bidford Big Meadow Park
Hi, Newbie after some advice on an NTK I have received from Smart Parking regarding not paying for enough time (took 8 minutes to pay due to having to redownload the app and was 4 minutes over when leaving). Unsurprisingly, they denied my initial appeal about there being a grace period to pay and when leaving but at least…
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Newcastle Airport UK parking patrol office pcn.
Hi. I've just received a PCN a couple of days ago whilst at Newcastle Airport, the pcn was issued by UK parking patrol office it was issued on the 31st January 2025. My wife had taken me to work and dropped me off at the Skyway filling station at Newcastle Airport next to the car wash that day. She was there for less than…
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Does anybody remember FREE dial up internet ?
I have a memory of TOTALLY FREE dial up in about 1997 How did they run the business at a loss ? How did it work ? It was not a "buy 60 minutes for £x" scheme - it was totally free on a freephone number.....
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C.U.P enforment pcn
Hi all, Looking to get a pcn cancelled that i had the pleasure of receiving today. As per the newbies sticky threads, I usually complain to the landowner first, but in this case my vehicle was parked in an unauthorised parking spot after business hours. Retail store was shut. Is it still worth complaining to them? The…
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Parking Ticket - Court Letter Received
I am being pursued for parking despite having paid for parking on the day in question.On 02/08/21, I attempted to purchase a parking ticket while on holiday with my family, including young children. The car park was extremely busy, with long queues at the payment machines. I successfully purchased a ticket; however, the…
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Newbie Help Letter Before Claim
I received a letter before claim from Gladstones on behalf of Horizon Parking Ltd where it stated that they carried out a UK Search trace, which produced a possible alternative address. I replied to them via email, informing them of the change of address, using the template in the newbies threat,d and this is the reply I…
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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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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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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…
