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Gift Aid and becoming a non taxpayer mid-year
I will stop paying tax next month (June), but have paid tax in April and May this tax year. At which point do I have to inform Charities that I am no longer a tax payer? I don't want to get a bill down the line.
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Some technical Qs about e-bikes.
Q1 - batteries. I understand these have built-in BMS circuits to monitor and protect them during charging. After they have been charged and installed on the bike, is it then purely the +&- contacts that do the job? Ie, the bike's electronics work out the charge state for the display, and doesn't have any particular comms…
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Find the SecondStar and soar, and then straight on till the morning…
This feels like an appropriate time for a finance thread. Story time: My ex partner and I broke up 2 weeks ago. We had been together for 4.5 years, we bought a house together as joint tenants 2 years ago, and had been combining incomes and savings for 2 years. We have separated our savings, and he is exploring options to…
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My overdraft showing as up to date on credit file and not defaulting!
Hello, I have all but 2 debts to default, one being a Halifax overdraft, it shows as up to date on my credit file despite being overdrawn and no payments having been made for months. What do I do? Obviously I want them all defaulted for that 6 Years to start, any advice welcome
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B & Q solid wood kitchen
Hi, Do B & Q do solid wood kitchens? If so what material are the doors made up of ? Are they any good? Do they last few yrs? Thanks!
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Buying an apartment in Spain these days???
I love Spain and speak the language reasonably well. I've just retired early at 58, haver a good pension and I find myself with a large amount of cash and tinkered with the thought of buying an apartment in the Mercia or Alicante area for me and my wife's sole use so we can stay there three or four months per year and can…
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Expedia package via Dubai
We booked a package with Expedia prior to the start of the middle east conflict. Flights from uk via Dubai to Singapore and a hotel in Singapore. We are due to travel on 9 July. I have contacted Expedia via their agent chat function a couple of times to ask what will haopen if the FCDO advice does not change for travel to…
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S&s isa or private pension?
Unfortunately my husband was made redundant at start of april- he volunteered as he had secured another job, which thankfully will start Monday. He has a pension with legal and general from his previous employer. He was paying in to the share save scheme although currently the shares are worth less than what he has put in.…
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After 20+ years here I'm not sure where I belong anymore ...
So it's time for a brand new diary, welcome to anyone new, welcome back to anyone who has followed my journey along the way. I've been on here since I became a single parent in 2005, recording the highs, the lows, and mainly the hum drum of everyday life, all while trying to save my pennies. I've always loved this board…
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Need to stop spending and chasing dopamine!
Hello! I’m creating this diary to hold me accountable, as I’ve been trying to pay this debt off for 3 years now and I just keep kicking the can down the road so to speak. The good news is it’s all on 0% interest. The bad news is I need to have the most boring year next year (aside from a holiday) to be able to pay it all…
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The Case of the Overwhelming Mortgage
I’ve lurked for a long time. I have no-one in real life I can discuss these issues with and thought it might be helpful to get it out of my head and on to paper. I am mid 40s, married, with two pre-teen children. We moved in 2017, with a 20 year mortgage of £140,000 and interest of £10 per day. We now have a mortgage of…
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My son has no defense DCB Euro Carparks letter of claim
Hi, I've been helping son through his "dealings" with DCB legal - following guidance here, we have ended up at the N1SDT form Date 19/03/26 Acknowledged 26/3/26 Their reason is ; No valid pay and display/permit was purchased. He didn't buy a ticket as he obviously didn't read the signs - he says he thought it was a free…
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DCB Legal - Letter of claim in Northern Ireland has followed me to England
Hi all, I've read through the forum a bit and could only really find two posts relevant to this issue, but I couldn't see a clear resolution. TL;DR at the bottom. In 2024, I received a parking notice from Smart Parking for an alleged incident in Northern Ireland. I was living in Northern Ireland at the time when the…
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Smart Parking issues, advice please
My wife received an NTK from Smart Parking. The car was being driven by another insured driver, neither my wife nor I, but as she is the registered keeper, the NTK was addressed to her. We immediately noticed that the NTK was dated 20/03/2026 for an alleged contravention occurring on 21/02/2026. This was a 27-day gap well…
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Lebara Woes
Following MSE expert advice and sim recommendation for Worthing, Sussex - I left O2 and arrived at Lebara. I clicked a link on MSE for the offer, followed through to Lebara and succesfully got my SIM , then ported it over. Took a WEEK for the sim to allow data etc, but - hey ho. Working. Then I did the same for my wife and…
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Solar panels - portrait vs landscape orientation
Hi, I'm looking into designs for solar. The more I read / speak with 'experts' the more confused I become. Gemini has been useful, but also gets confused and has to e challenged! Anyhow… It seems that without shading this doesn't matter. Your choice might be down to which orientation allows you to get the number of panels…
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Discretionary Trust created by a will
Wonder if anyone had any thoughts on, where a will creates a discretionary trust upon death but where the trust beneficiary does not want the assets held in trust. Do you have to enact the trust by law?
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I'm back, still struggling along, still frugal
H everyone, It's been ages I know and the forum has changed, but my posts were getting really boring as nothing really changed very much and to be honest I was getting bored writing the same old things. Anyway I thought I'd start another thread as its coming up to winter and like most basic OAP's I'm expecting this winter…
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Our forever home
I'm a new mfw 😊, moving over from the dfw board. We moved into our forever home on 16th November 2020. 90% LTV, 25 year mortgage. We've just paid our first standard monthly payment so only 299 more to go!!! We'd like to actually pay it off a little sooner, but due to home improvements and our saving pot for IVF it's likely…
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Mileage allowance for part time work.
I've recently started a part time job delivering using my own car. The employer is giving me a mileage allowance of 35p per mile. I understand you can claim the difference up to 55p/mile through tax rebates. However, as I only work 15 hours a week I won't earn enough to pay any tax. Does that mean I won't be able to claim…
