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Deed of Variation
Hi, I was trying to sell my Mothers Flat to help pay for her Care Home Costs but the Sale fell through last minute as their Solicitor requested a Deed Of Variation with a forfeiture clause. The Landlord came back with a figure of £15000 plus £1200+VAT in Legal Fees. This is on top of around £600 I had to pay for the…
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Money Moral Dilemma: My council fined me for littering when I didn't - do I pay up or go to court?
This week's MoneySaver who wants advice asks… I received a fixed penalty notice from my local council for supposedly 'littering' near my estate's recycling bins. What likely happened is a box with my name and address blew off or was knocked off one of the open bins. The council’s given no evidence, and there’s no CCTV. The…
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BT lack of offers
Are credit files ( hard searches) checked when offering BT? I've opened 3 CC of late for 0% purchases (M&S, Lloyds & RBS) all now maxed out, but now my BT offers have dried up (Natwest, HSBC & Barclays) where before I has having them every month.
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MSE News: Nationwide Fairer Share: Free £100 bonus confirmed for 2026
If you bank with Nationwide, you could get a free £100 paid into your account in June as part of the building society's 'Fairer Share' scheme. The bonus will be paid to millions of its current account customers who also have savings or a mortgage with it… Read the full story:…
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Nationwide ISA Transfer Delay - any experience of this?
I’ve banked with Nationwide for many years with no problems…until recently. In April I applied for their 4.35% Fixed Rate ISA which I was funding from a Santander ISA due to mature on 1st May. The funds were transferred over a bank holiday weekend and were received by Nationwide almost a month ago on 5th May. My…
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The Cutting Down Alcohol Challenge for June & 2026 :)
Welcome to the Cutting Down Alcohol challenge for the month of June and for 2026! 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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2 County Court Claims from Civil Enforcement
Hi All, I have just received 2 separate claim forms from CEL for 2 separate "PCNs". One is relating to parking at BizSpace, where the vehicle visited a tenant company and been informed by said tenant/business that there is parking on-site and no information was given on any charges or requirements. I then received a letter…
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26 for 2026
It’s that time again! As we wrap up one year and get ready to step into the next, the 26 for 2026 Challenge is officially open (and no I'm not using this as a way to procrastinate over my current 25 for 2025 list 🫣) If you fancy a bit of motivation, reflection, or just a fun way to track your year, come and join in. If…
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Comps i'm focusing on in May in order to complete 2026 wishlist
Lawnmower Strimmer Gardening vouchers BBQ Uk holiday Selection of beer Drinks hamper Easter hamper Food hamper Gardening tools Product of year goodybag Uk holiday Smart watch Actifryer Amazon vouchers Selection of books Selection of wine Bluetooth speakers Macbook Beauty products - ACHIEVED What's everyone else focusing on?
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Settling in for the long haul
After avidly reading others’ diaries over the past five years, it feels like the right time to shuffle in and create a cosy little corner of my own. Following the example of those much wiser, I have cleared a large amount of debt, including a hefty overdraft, student loan, credit cards, bank loans (that were consolidated…
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UKCPS parking charge Leeds train station
I received a notice to keeper (Postal - Non PoFA) for stopping in a disabled bay for roughly around 5 minutes to pick my girlfriend up from Leeds station, I never left the vehicle. I received the original letter back in August so I appealed through ukcps themselves saying I was not the driver of the vehicle and I was not…
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Green & Ethical Investment News and Suggestions
This is a subject that crops up occasionally on multiple threads, so I thought it might be useful to have a thread where we can share both news and also investment ideas that we find. I've noticed that many schemes are as financially attractive as other general investments, so there's no penalty in targeting your monies…
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Let's get this sorted then!
Hey everyone, I went back to uni just before I turned 40, so have quite a lot of debt from that, and from generally trying to live whilst working and studying. I tackled a bit before the end of 2024, but that was mostly getting on top of things, doing some 0% balance transfers, and I paid of two small debts of about £250…
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Baby steps to mortgage freedom for beanielou.
My first thread on the MFW board!! My mortgage has 6 & 1/2 years left to run. My income seems to decrease more & more & it becomes more & and more of a challange to pay my hefty(to me) mortgage. I have managed an overpayment last month as I got some £££'s unexpectedly. My biggest fear is not being able to pay my mortgage &…
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Lose weight in '26 with Slimming World & SWIP's.
Time for a new Slimming World thread as we go into 2026. Feel free to join in. We are all at different stages of our journey & some are awesome target members. We are a lovely supportive wee group. Some go to group & some go it alone. As we move into new year feel free to pop in to our lovely thread. All welcome. SW have…
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Kiwi / Ryanair Naming Issue
Booked multiple Ryanair flights via Kiwi using correct passport details entered once at checkout. Two bookings show truncated surname, one is correct, and both companies are blaming each other. Ryanair say the agent sent incomplete data, Kiwi say everything was transmitted correctly and refuse to fix or reimburse. Now…
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Probate on line
I’m trying to help my mum to do grant of probate for my father. Everything is in joint name apart from his one ISA , mum thought that she could inherit the isa and it would be straightforward, but Lloyds have said that as its value is over £50,000, they need to see Grant of probate? Can they demand this? all bank accounts…
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Forms needed to change the property register
After having sorted the Probate and DOV out I am now looking at sorting the Land Registry paperwork out. I know it doesn’t need to be done straight away and I was going to leave it for now but my Mother wants me to get it sorted. The property is held in equal shares as tenants in common between my Mother, Father and…
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Steadily climbing the mountain, enjoying the view along the way
I have been pondering for a while stating a new thread, as at 700+ pages my old one is getting very long and doesn’t feel so aligned with where I am now. 2026 is going to be about getting myself to as healthy and happy a place as I can. Life is short and my inherent perfectionism means that I tend to want to achieve,…
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Cash ISAs: The Best Currently Available List
Cash ISAs: The Best Currently Available List **Please note: The list of ISAs I have compiled below is continually updated. New ISAs are added as they launch and withdrawn ISAs will be removed from the list. ** The current Cash ISA limit is £20,000 for the 2026/27 tax year. **As with any financial product, before opening an…
