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Renewables: "talking 'bout my generation"
Please forgive the corny thread title inspired by The Who but this post on the bloated 'how do I make the most of it' thread prompted me to initiate a new one... Well, there was yet another misty and bleak start in North Notts today (Thursday), but my SSW 3.92 kWp system was generating around 3kW for just a few minutes…
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Problems selling and best plan
My bungalow has been for sale just over two months with no interest. The area where i am there is very few sales at the moment. Property valued around £230k and advertised for that. I would need minimum £225 to secure my next property. I got a cheap deal with an agent but they only use rightmove and onthemarket (not…
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New "Have a Look at This" thread
The other one has disappeared and any posts I have made are not listed in either my posts or thanks. This thread is for things like: . Spotting pets in properties . Anything awful - decor, extensions etc . Quirky properties . Timewarp properties . Properties in serious repair and anything which is different and of interest…
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My Off-grid and need to be frugal diary
New year, new start - trying to save in 2025.
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Monzo app upgrade
My mum has a Monzo account and the app has always worked on her phone. They have updated the operating system needed for the app but her iPhone won’t update the operating system due to its age. The app is no longer working. The issue is that they want her to upgrade her old iPhone but she struggles with her eye sight and…
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Frosty the Snowman - it's the 2025 Christmas thread!
Hello and welcome to the 2025 Christmas chatter thread! Better late than never I say! If you're new to the thread please pop in for a natter, pull up a chair by the fire and get yourself a hot chocolate - we all love Christmas but are also here to chat about anything else going on in our lives and offering each other…
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Contact after chargeback
Hello, I recently purchased a device that arrived faulty. I contacted the seller to request a return, but instead of following their own terms and conditions they kept asking me to perform troubleshooting that I had already done and documented. A lengthy email exchange followed (over a few weeks), where they repeatedly…
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Flexible S&S ISA
HL’s ISA doesn’t seem to be flexible. Is there such a product? As I am retired, a flexible option might be useful Thanks.
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Mortgage free in Forever Home :-)
Hi All, This is partly for the benefit of @Cheery_Daff who has nudged me into posting. 😊 I’m in a bit of a pickle and I need to get on top of it
before it becomes any more serious. I am inherently a spendthrift, it’s always has been my way. In
my 20’s I ended up in a lot of debt relative to my income which I…
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Timing for Lloyds monthly club saver
I have a monthly regular Club Lloyds saver ($400pm max @ 6.25%) which has just matured. This is one of the accounts where you can get a 13th payment in if you open the account close to the end of a month and then fund it again early into the next month (and thereafter for the remaining 12 months). However, the T&Cs say…
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Main Eco 28 Boiler - loud foghorn noises
I have a Main Eco 28 Boiler set up as a system boiler which has gotten really noisy over the last 8 months. When it fires up there is a long and very load "moan" like its struggling to suck something in. It then makes a loud humming noise as it runs. I’ve had it checked by British Gas and they also just did an annual…
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Sloping floors in Tenement flat
Hi i have sloping floors in my tenement which I would like to get levelled. If I need repairs on the joists do I need to get permission from the other flat owners in my building.
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Spectos/Royal Mail Monitoring and Posting Panel
After 600 pages of discussion on the Royal Mail Monitoring and Postal Panel thread, it seems like the time has come for a new thread to be created. Not because any of the discussion there is redundant (far from it) but because the contract for running the survey will shortly be passing from Kantar to Spectos (in…
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When savings - including ISAs - hit £85,000....
I feel sure this is a stupid question, but presumably if and when my ISA hits £85k, I should open an ISA account with a different bank to avoid falling foul of what is protected... Right? And therefore any interest going into an £85k ISA needs to be transferred out for safekeeping.... Right? It just occured to me that if…
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Payment a Day - Chapter 2025
Small Payments. BIG Impact. Making a small (or large) Payment a Day (PAD) - or whenever your budget allows - towards debts or savings all adds up really quickly! And can change your financial future... Hey everyone, Welcome to the Payment A Day - Chapter 2025 challenge! (this will start from 1 January 2025) We've decided…
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The Cutting Down Alcohol challenge for December & 2025 :)
Welcome to the Cutting Down Alcohol challenge for the month of June and for 2025! This challenge is all about helping people cut down or even give up on their alcohol consumption, mainly for health reasons, but it can also save a lot of money, because the cost of buying alcohol really mounts up over time and sometimes you…
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The Range asking for independent assessment
Hi all 1.5 years ago we bought a chair from The Range for £60. The hydraulic cylinder has failed so the chair can no longer be adjusted and just stays on the lowest setting. We wrote to The Range under CRA 2015 and claimed that the chair should have been fit for purpose AND last a reasonable length of time. The have now…
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HMRC Tax Due
Just received a letter from the HMRC of tax I owe from interest I have earned they are saving I have held a bank account with J P Morgan and I have gone over the personal allowance I have never held a J P Morgan account all I can think of it was when I had a T212 ISA So a little confused
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ML 270 CDI Auto, UK Diesel version (2001) - Carplay
Hello, I have a lovely (now quite old) Mercedes - ML 270 CDI Auto, UK Diesel version (2001). I replaced the original sound system (which had CD decks in the boot - now obsolete and not used) with a single din Sony CD/stereo from Halfords years ago. I now want to replace the Sony stereo with Carplay/Android screen. I want…
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Self managed DMP help
Hello everyone. I understand this topic comes up over and over again but I would really appreciate your time to just clarify a few things, just to make sure I do things in the correct manner and to not dig myself a deeper hole. iv been reading a lot on here so I think I have everything I need possibly. I have debt of…
