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Debt, Endo but now Pregnancy and a now Reno-d rental
Hi! I’ve been reading different diaries for a while and think I need to hold myself accountable! I have a slightly odd set up as I live with the boyf, but have a house that’s now a holiday let/buy-to-let that I need to finish and get let out. I know evil landlord and all, but don’t want to put all my eggs in one basket…
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Error on IHT400 Form box 79
Has anyone else noticed that for box 79 on the IHT400 PDF form (version : HMRC 12/25) the automation does not calculate the addition of box 77 and 78 correctly - and a manual value cannot be entered. It's using a string concatenation (joining both the value fields as a long string) rather than doing a numeric addition.
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It's me, hi, I'm the problem, it's me
I am my own biggest problem and obstacle in life. It's time to change for the better. I'm doing a lot of thinking about changes I need to make in my life to better prepare myself for my future.
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Defined Benefit pension transfer advice
I have a Defined Benefit Cash Balance Scheme pension with a transfer value of c.£70k. I would like to transfer this to an existing SIPP. In order to do so, I need a suitably qualified advisor who can sign a Pension Transfer Advice Declaration for me. All of the advisors that I have approached either aren't suitable…
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Tesco cream cakes
On offer at the moment cream slices, 4 chocolate eclairs and choux buns for £1 but this is for online shopping. If anyone goes to Tesco, could you please let me know if this offer is in store as well? Thank you.
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Cancer Support
My son is 36yo, lives alone and works from home full time. A few years ago he had radiotherapy treatment for cancer around his throat and sinuses which left him with no sense of smell, slight visual problems, and issues with his teeth (among a few other minor things). He has to have a special toothpaste on prescription for…
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Can I use a mobile with my land line number?
OK so is there a way to do this? We were recently sent a VOIP thing to replace our current wifi hub and plug our land line in to. We haven't managed to do it and the provider (ee) won't help unless we agree to pay a call out fee. Yes I know this is something that your average 12 year old could do in under 5 minutes but us…
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Cynergy ISA maturing soon. Best option for delay free transfer out?
Maturing ISAs with Cynergy are automatically re-invested in another fixed rate ISA if I do not contact them with instructions. Cynergy’s online options are - 1. Renew into a 1 Year ISA. 2. Renew into a 2 Year ISA. 3. Transfer and close. They have also sent a letter which describes the options as 1. Renew to a choice of…
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Engage Credit.
hello. I’m new to this and would like to ask if anyone has a mortgage with Engage Credit. We have a mortgage that only has 6 years to run. Initially we were told we were not allowed to over pay to reduce the length of the mortgage. It seemed unfair but as it is a Prime mortgage I thought this is normal. However I have…
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Product switch during remortgage application
We're coming up to 4 months until our existing fix ends and, while waiting for Nationwide to send an offer our way, have watched interest rates jump over the past week - one product we had an eye on was 4.3% last week, and 4.99% this week. I don't want to wait any longer only for rates to rise further, so my question is do…
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Letters of administration / poers of probate
My mother recently deceased. Are they the same thing? Her bank has requested this is this something I apply fo myself or should i use a solicitor?
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can you change delivery address for ALL future deliveries .. EVRi / DPD
Is there a way to change ALL future deliveries from EVRi and DPD ? There is a local website and almost on a daily basis there are stories of parcels being photographed at unknown places and buyers just left astonished as to where their parcels are located. I have had similar cases too. Late last year I had an email from…
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HMRC Tax Confident Website
I have just come across the above-mentioned HMRC Website which aims to help people understand the tax system. Since I’m retired I was intrigued to see a specific section entitled ‘Savings, investments and tax in retirement’. I tried to post a link the website but it won’t let me because I haven’t posted to this Forum…
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Lack of ISA knowledge - help
Hello all, I bank with Santander and have two cash ISA’s with them that are out of the fixed period so are currently at 1%. The balances are £21,243 and £48,472. I plan to invest my £20k limited before the end of this FY but was wondering what the best option are. I would like to keep it all with Santander but don’t know…
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Claim by Gladstone Solicitors/Parking Solutions 24 Ltd - (advice appreciated)
Good morning! I hope everyone is well and thank you for responses in advance. Key facts Claim form Issue date - 11th Feb 2026 We need to acknowledge Service by the 2nd March 2026 Write up a defence by the 16th March 2026 Claim form (redacted) attached I've been reading the threads for a few weeks now in anticipation of the…
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Experiences of Freetrade?
I started an ISA with InvestEngine a year ago for tucking away spare money, separate from my pension savings. While I like the offering from them, ease of using the app and obviously the low cost of investing, I can't shake off an uneasy feeling about their reliability. For example, they pulled their new Life plan managed…
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Car dashboard tablet
So my car is ka 70 reg VAG brand and the dashboard tablet has two buttons "Menu" & "Home" the menu button stopped stop working as it ran out of warranty. I heard if I nget an auto electrician report which proves it didn't last a reasonable length of time (known fault) the Garage I got the car from should replace it FOC…
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Water Ingress?
Hey everyone, Went to see my Mum (and Dad) yesterday (as I'm sure millions of others did too!) and she asked me to have a look at a couple of walls in her house with marks on. It was worse than I had thought, so I did some investigation myself, and asked Gemini. I'm just hoping to get some actual real human input and…
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Voluntary National Insurance for Self Employed Low Earner. Handholding needed please!
Hi all I'm sorry to have to come and ask for help, but my eyes go fuzzy and my brain clouds over when it comes to stuff like this! I've been self-employed since Sept 2025. I'm well under the threshold to pay through self assessment (I think! - I've earned under £2,000) so as I understand it I can pay voluntarily. If that…
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Arrietty's Acorns
Hello, I think we're past the 'happy new year' stage now and as we don't know each other yet I'll just dive right in, say 'hello' again and declare that I NEED to be on this board. I've been dipping in and out of here for a while now and debating with myself as to whether I should start my own savings diary; whether it…
