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Tomato Energy (Electric Only Supplier) - Too Good To Be True ?
Looking at Tomato Energy for our electric only property. They are offering 12M FIXED Tariffs which are based on your chosen lifestyle - with Daily Standing Charge as low as 40.82p The tariff Im looking at gives me a Unit Rate of; 00:00 to 06:00 = 5.00p 06:00 to 09:30 = 23.16p 09:30 to 11:30 = 13.37p 11:30 to 22:00 = 23.16p…
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I need to buy a very expensive sink
I need to buy a very expensive sink £700 ish…. Is there anything I can do to get at least something in return for it - I use top cashback but the website I will be buying it from isn’t on there. Could I get a new credit card specifically for that expenditure - I have good credit and would pay off in full and then probably…
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Warranty Headache.
Hi all, I'm hoping you guys can clarify my position on this as my specific situation is near on impossible to research on Google. I bought a new diagnostic tablet directly from the manufacturer (Autel) back on march 14th of this year. On August 25th it developed a fault, namely that the internal battery wasn't taking a…
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Having more than one S&S ISA
I currently have two S&S ISA's with two different providers (Trading 212 and iWeb - majority of money is in iWeb). Is there any benefit to having more than one S&S ISA? I am thinking of consolidating my T212 into iWeb for ease. I don't mean in terms of fees paid etc, just the principle of having more than one S&S ISA.
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Making 2026 a debt busting year
Hi all So, DH and I have been in debt for years, mostly credit cards, and decided to make a real effort last year to start to clear them. The aim is to have them all paid off by the end of 2027. We have no mortgage but do have a loan for some for some work on the house which will be cleared in April 2028. We started 2025…
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Title Deeds documents missing
I am nearing completion on the sale of a leasehold flat. Our solicitor has received a late enquiry from the buyer's solicitor saying "When reviewing the file again to set up for completion we cannot trace that we have received copies of the charges referred to at entry 6 of the title SYK0000. Could you please supply…
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Longer-Term Savings Interest Rate Stability
Does anyone have any thoughts about which savings institutions either statistically or subjectively maintain fairly high interest rates over the longer term? I just get tired of constantly having to move money around because an initially headline-grabbing rate has been slashed after just a couple of months. I just want to…
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My landline number and broadband have been "jacked" !!
Been with Plusnet 8 yrs (rural copper), same landline for 15 yrs. Got an email that I thought was a scam but it had too much personal stuff on it , saying sorry to see you go (I just feckin renewed 2 months ago) at the end of the month as they've had notification I'm moving to another provider, which is utter BS. So I…
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Salary Sacrifice: Employer Contributions Vs Employee Contributions
I believe that, currently, if an employee uses Salary Sacrifice to add e.g 5% into their pension, then this amount is added to any additional payments from the employer ( e.g. 3% auto enrollment) and the total amount of 8% is paid into the pension as an "employer contribution". From 2029, though, it seems the 3% will be…
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What are the best resources for stock picking?
I know all the jargon that is going to come if I do not preface this but currently 100% of my portfolio is in VWRP and I definitely want 5-10% of my portfolio to be individual stocks. Bit of a sidenote but is would it be better to buy into the nasdaq 100 or an individual mag 7 stock (likely Tesla, Google or Amazon)
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Excepted Estate - No Probate Required
I am posting this for information only and would appreciate some help as I cannot find anything on line. If you have an Excepted Estate that does not require probate as all the assets are in cash. There is only one beneficiary and they plan to do a Deed of Variation for the whole estate value within the 2 year period…
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Gladstones LBC letter
Hello, I have been reading through all of the threads and I am still stuck on what to do with my situation. My worry is that I was sent the letter on 29th October and because I am at university I didn't see this letter until just over a week ago and I now only have until Friday to sort this. I parked by my university…
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Sainsbury's Delivery Pass and Gift Card - changes to terms & conditions
I have a Sainsbury's delivery pass and usually pay for most of my order using one of their reloadable gift cards. I have been doing this for years.Last week when I placed my weekly order for delivery it had on it a £4.50 delivery cost added, despite me having a delivery pass. A phone call to their help line resulted in me…
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No Buying Unnecessary Toiletries November 2025
If your beauty and toiletries are taking over your life, then this is the thread to help you work through the stash and motivate you to not buy anymore (hopefully!) Welcome all newbies and regulars to this very friendly and chatty thread where we give lots of lovely tips on how to use up your stash and lots of support and…
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Vauxhall Puretech 1.2 belt failure - Known design fault - What can I do?
I have a 2019 Vauxhall Combo 1.2 Petrol. It refused to start yesterday, RAC man came and told me the timing belt has failed. Apparently it's a known fault with this particular engine, for which the parent company Stellantis recalled cars with these engines to change the timing belts, updated service recommendations and…
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Interest only mortgage term ending
I am 63 divorced and my interest only mortgage terminates soon . My mortgage is £620000 the property is now worth 1.1 million. I can't afford to pay off the mortgage. Can I use the equity to pay off the mortgage what are the implications
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Tax benefits for SIPP - additional tax rate band
I was trying to calculate the ROI for additional tax rate payers (45%) when they invest in SIPP from their net income. If the person invests 80 GBP, the government puts in 20 GBP in his SIPP account. He can then claim back 25 GBP in tax credits. So what is his total return in that year? Only focus on ROI in that tax year…
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Under counter fridge or freezer
Only got room for one appliance in the kitchen. Should I go for a fridge or freezer? Which is.cheaper to run?
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Capital Gains Tax on a house
My parents signed the house over to me 30 years ago. Whilst they're still alive at the moment I'm considering the implications of Capital Gains Tax. I know that the limit for this year is £3000 but how does this work. Lets assume their house was worth £100000 when they gave it to me 30 years ago and it's now worth £300000…
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UC - do I need to report savings every month?
Just received my first payment for UC. I have over 6k in savings but obviously less than 16k. This includes cash in a savings account, shares and a Lifetime ISA (25% disregarded). I don't think I will have spent all my wages and UC by the time I receive my next UC payment. Do I need to declare anything unspent every month?…
