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So now what?
We cleared debt of £ 64,346.53. We cleared a mortgage of £118k. So now what? We need to get saving and making the most of our money. Half of us is retired. The other isn’t working but may well have to (and possibly wants to) return to work in two years time. I find posting here keeps me super focussed so I am going to be…
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Expansion vessel
Expansion vessel cost replacement on Valiant boiler protec24. What is a reasonable price I should expect to pay? Thanks
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Debt from uksearch Ltd that I feel I don't owe
Hi I've been given a water bill f9r a unit that I rent which I feel I don't owe. This is due to the fact that the company I rent off have said the utility bill I pay each month is for the electricity alone as they cover the water. I was sent a letter from business stream 2/10/24 saying welcome on board. I never signed up…
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Maturing shawbrook isa transfer to a ford money flexible
I'm trying to clarify before I transfer my fixed rate shawbrook isa into my flexible ford money isa. I do understand the current balance in ford money is both withdrawable and replaceable up to my 20k limit this tax year. The query I have is the portion transfered from Shawbrook available to withdraw partially I understand…
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Offered a job but starts in 3 weeks time
Hi, If you get offered a job, but they wont start you until 3 weeks time, then that means you will be 3 weeks without pay. Is it perfectly normal in that case, to simply keep applying for other jobs in the hope that you get offered a job that pays more and starts you sooner? ...ie, even though one has signed the employment…
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Moved: H Samuel manufactures fault on engagement ring
This discussion has been moved.
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DMP mutual support thread part 13 !!
Welcome to the DMP mutual support thread Part 13 !! Here you can find help in starting and running your DMP, self managed, Stepchange, Payplan and any other DMP all welcome here, but we do encourage you to use a free service, not one you pay for. There is help on getting interest and charges stopped, how to start with an…
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How to understand SIPP statement
This is the most 101 question ever and I actually feel embarrassed asking it. When my quarterly SIPP statement gives projections for what the fund could be worth at retirement, would anyone who knows about this stuff be able to tell me will that be for just the fund as it stands at the statement date, excluding future…
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Looking for help with advice for my parents
Hello. I hope I can get some input here on some advice to give my parents. For some background my mother is retiring next year at 65, my dad is 70 next year but plans to continue working for now (he’s on a 0 hour contract job and brings in around £10,000 per year from that). He works as and when he wants, which suits him.…
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Self Assessment (SA100) Advice
My wife and I run a small business together and are registered as a partnership for tax purposes. Profit from the business is our only source of income and the share of profits is split 50/50. For the purpose of this post, let’s assume profit for the last tax year was £50,000 in total. We’ve completed a partnership return…
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Airtime rewards
Hi im having a bit of a rough time with airtime rewards. Wonder if anyone could suggest the next steps to take. My reward didn't automatically track. I've since been backwards and forwards with there customer service via email. All they keep saying is that as one of the conditions were not met and they would not be…
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Olyndra London Online Order
Hi all wondering if anyone can help me with an issue I have. See I saw this online company on facebook selling some lovely looking jumpers so I ordered a couple in mid October. Delivery was delayed but they arrived a couple of weeks later at the end of October. I initially was quite happy with them however I had one of…
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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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'Give ALL kids proper financial education', says major report on schooling in England
Financial education should be taught in more schools in England, a new report on the national curriculum has recommended. MoneySavingExpert.com founder Martin Lewis, who has long campaigned for this, said he's "cheering a big intention to improve things", but cautioned that "the detail will matter"... Read the full story:…
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Microsoft 365 Family - Recurrent billing OFF - Got 2 months free
I went to turn off recurrent billing so that I wasn't auto subscribed to the more expensive AI enhanced package (£79.99 to £104.99) and it offered me 2 months free on my current package whilst 'I thought about it'. I have accepted this naturally. Now my subscription ends in Jan and as recurrent billing is now off, when the…
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NCP Railway Station PCN
One of my younger family members has received a PCN from NCP for a stay at Colchester North Stations car park. The date of this incident was 4 October while the date of sending the notice is 20 October. Ironically, the driver thought they had paid to park using the MI parking app but they had actually paid to park at a…
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What happens if you have Holiday Insurance twice and need to claim?
Hi all Early in the year I took out an annual Holiday insurance policy with Zurich. Six months later, whilst booking a holiday on the website Booking.com I clicked the box to take out insurance (Axa) (forgetting that I already had an annual policy in place). Unfortunately, in August I slipped and broke a bone in my back. I…
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Cruise help please
Hi all I am interested in booking the 7-night Norwegian Fjords sailing aboard Cunard’s Queen Anne (sailing code H720) departing 31 July 2027 from Southampton, returning 7 August 2027. I am specifically looking for a Britannia Oceanview Deluxe (EA) cabin for 3 guests. I would like to set up a payment plan with instalments…
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Civil Service Pension Savings Statement
I've just received my 2025 pension Savings Statement - I've spent many hoours working out what this should be , at least approximately - I have some in Classic (PCSPS) and some in alpha. The answer I was NOT expecting was that both should show Pension Input Amounts of £0.00 I'm obviously quite happy if they are both right…
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Thomas Cook Online - Have you used them in 2025?
My Canadian husband's parents have booked a 2 month holiday to Portugal to avoid the Canadian snow in February and March 2026. They have invited us to join them which we would like to, during half-term in February (I work in a school) and we have been looking at flights as they have booked a 2 bedroom apartment. But of…
