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How best to deal with Santander Reg Savers
Looking to switch away main joint CA from Santander, but we have a regular saver each with a few months contributions in, which don't mature until June. Assume we can't keep these if we switch away, so what's the easiest way to deal with them. Allow them to be closed automatically? Withdraw the balance and request closure…
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An in-between phase
I am largely starting this thread so as to not rudely put a long whinge on the lovely @foxgloves and @EssexHebridean threads! I will talk a little more about my slightly unsettled life situation in due course, but for now, just whinging 😂 Today I have been trying to switch to a more money saving phone contract. It has been…
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Awful weather - typical Brits talk
Well it's been downright awful here in Somerset for the last couple of days with non-stop rain! Just wondering how committed you lovely peeps are... have you been put off by gardening when it's raining? Are you a shrinking violet or a hardy perennial? Just a light hearted thread ☔🌧️
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LootUp.Me Codes 2025
I have searched but cannot find a thread for LootUp codes. The website is https://lootup.me/earn.php if anyone wants to join up Weekly free giveaway ~ https://lootup.me/giveaways.php If anyone needs them they can be posted here. This is today's one:- FROSTYGAINS are here to warm up your earnings! Redeem this code and claim…
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2025 Frugal Living Challenge
Welcome to the all new 2025 Frugal Living Challenge Challenge yourself to live a frugal lifestyle so you can afford the freedom to enjoy life. This is about household budgeting, simply living and being creative with your money. Frugality can be a fabulous lifestyle choice for debtbusting, boosting savings or investing in…
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Buffy and the Mortgage adventure
Good morning, I don't know if anyone will remember me here as I have been away for a while. I am about to get a mortgage finally and money is going to be very tight. Squeaky tight! I am buying my sisters out of Mum's house, I lost Mum in 2024, it was a very bad time, the worst time. Aside from the grief, the money side has…
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Evri lost or stolen parcel
I returned a parcel to a store in London via Evri as required by the seller. The parcel was collected on 1/12 and Evri attempted to deliver the parcel to a store in London on 6/12. They took a photo of the shop which was open and had customers inside but said they could not deliver and would try again. Needless to say the…
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Living the Good Life - mortgage free and living in line with our values
Evening all, I thought it was time I started a
new diary, as we've now been mortgage free for 18 months and the last pesky bit
of mortgage debt (on the 0% card) went in October. We're now almost through Mr
MV's 40th, Christmas, New Year and my 40th (coming up next week), so it seems
like a good time to start afresh and…
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No point with hotpoint?!
Hi all, looking for some help with hotpoint. We have a washer dryer that is 18 months old. It was first repaired about 6 in as it was leaking. 2 weeks out of warranty, it started leaking again so we took extended warranty and called them out to fix it. The day they were due they showed up almost 3 hours after our time slot…
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Are you planning for a stock market correction
It is often said that failure to plan is planning to fail. Right now lots of people with stocks , particularly certain trackers and tech are anxious about a big correction, it almost seems inevitable and a big one could be followed by years to recovery, another lost decade maybe ? But many seem to be very relaxed , citing…
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Defined benefit or defined contribution pension? Confused!
I am due to start a new job at the beginning of January and have been given the choice of 2 pension schemes which I need to decide on before starting; I know very little about pensions and have never been given the choice of schemes in a job before, so I am quite confused about which would be best for me. Tried to…
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Weekly Flylady Thread 29th December 2025
Welcome to the weekly Flylady Thread. Welcome to the last thread of 2025. We often see new flyers (gents welcome!) around this time of year so please don't worry if you feel you cannot keep up. Similarly if your house has been neglected it won't be turned around in a day - but if you stay you will get into some good habits…
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Will HMRC check the untaxed interest that I have given them?
On 7 December 2025 HMRC issued my P800 for 2024/25 with an untaxed interest amount of £666. This figure was incorrect and I phoned them the next day. We compared their actual figures with mine and discovered that they didn't have anything from RBS, Naitonwide and First Direct. The revised interest was £1,195 and their…
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Cheery's path to fulfilment - finishing the DIY, looking after myself, appreciating the garden 🌻
Hi all 😊 I'm Cheery 😊 By name and (usually 🙄) by nature. I've been around here for many years, taking in all the excellent wisdom and trying to use as much of it as possible 😊 We are two, Mr Cheery and I. We have been together for over 18 years 😮 We moved to the countryside six years ago, gained a large mortgage, and a…
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Make £2026 in 2026
This challenge is for noting down all money you have made in 2026. Ways you can make your £2026 are: Anything made at the end of 2025 needs to go in 2025 pot. SURVEYS WINS EBAY FB SELLING GROUPS OVERTIME SHARE DIVIDEND INTEREST INTEREST FROM BANK ACCOUNTS QUIDCO CASHBACK FREEBIES (VALUE OF) TOPCASHBACK MATCHED BETTING…
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CETV for DB pension for divorce
Hi hoping someone can advise on whether I’m missing something. I’m preparing for divorce and want to know the value of my DB pension. It’s a closed private sector DB scheme administered by WTW. I’m a good few years before I can draw from it. It’s about £26k/y last annual statement. I also have DC components in the same…
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do I pay off one debt first or do I try pay them off altogether
I have two out standing debts - EE which is £837 - ACI - £2600 I am currently paying £150 towards each of them. I have worked out my finances for next year and could possibly pay £200 towards each of them till paid off. my partner suggested i focus on getting one paid of first instead of attempting both, but I would really…
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Where do I start?!
Good morning all. Newbie over here, mulling over life as we approach the new year. I'm in a lot of debt. I genuinely don't know where to start, or what to focus on, and with so much financial information and guidance out there, I thought I'd go back to basics, and get everything written down on paper (or on a website forum…
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IVA - my story
Around three years ago, after experiencing some financial difficulties, I applied for an IVA. At the time, my debts totalled around £6,500. My monthly payments are £385. After three years, I had already repaid almost £7,000 to my IVA. I asked my IVA company - around 7 days ago - how much is left to pay. They replied: It…
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Hopefully debt free before Mortgage renewal in June 2026
Hi, So, My mortgage is due for renewal in June 2026. I bought a house for £190,000 with around a £48,000 deposit on a 5 year fixed rate of 1.63% interest which comes to an end on 30th June 2026. I currently owe £129,363 and pay £517.72 and i have 25 years and 6 months left to pay (i will be 68 when this ends). I know…
