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changing tax year end
Hi, As a self employed business I would like to change my end of tax year from 5th April ( which it has been for the last 10 years) to 31st March, This is to align with credit card statements and bank statements and make it easier when I have to complete Making Tax Digital ( currently my gross earnings is about 25K). I…
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Thank god we paid the mortgage off
My previous diary was pulling my frugal pants on. I decided to start a new diary because, well because our new start that we had planned isn’t going to happen. So dad’s house sale finally went through and we’d decided that we would use my inheritance to offset OH dropping a day at work. Money would be tight but doable.…
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Prepared notes in an Interview
Is it ok to refer to notes in an interview?
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S&S ISA - uninvested cash interest rates, why not shown on MSE frontpages?
Pardon my silliness and this could be a very obvious and silly questions but i couldn't find the answer. I've seen lots of ads online where you can open S&S account but you can hold uninvested money in there and earn interest (i think sometimes the uninvested interest is higher than the Cash ISA savings account for a bit).…
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Gas leak and Housing association issue.
Was not sure where to put this post so hope i have put it in the right place. We live in a Housing association flat and on Friday they came to do the yearly Gas safety check and during that check they found we had a gas leak in one of the wall cavity so they capped the gas so we have not had any gas since friday for our…
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Vax Platinum Power Max Carpet Cleaner: not picking water up from carpet
Just received the Vax platinum power max cleaner has a gift, but it doesn't seem to be sucking up the water when shampooing, anyone else had this problem please
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Larger Garage
We have a single garage - a concrete Comptons 21 feet by 7 feet approx. Would it be possible to extend it, width-wise to make it a double size retaining both side walls with a new double door – no idea what the roof would need (its an Apex) – it is fine, length-wise. We have the space and just need the concrete base…
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Is your Personal Savings Allowance adjusted with Salary Sacrifice
I was previously a basic rate tax payer and had of PSA of £1000 and would accrue interest greater than £1000 (outside ISA's) and be eligible for additional taxes. My salary increased to the 40% tax rate so my PSA is now £500. If I salary sacrifice into company pension to get gross pay below higher tax rate, is my PSA…
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Medisafe app no longer free from January 1st 2026
I've been using the Medisafe app for several years to keep track of my medication and supplements. I've found it very useful to prevent me forgetting, overdosing or totally forgetting a med name during a medical appointment. From January 1st 2026 users will have to pay a subscription fee or lose access. It's a fairly small…
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Arnold Clark Data Breach compensation - Supreme Court ruling
Hi everyone, I’ve just watched an article on the BBC about the Supreme Court ruling in favour of Scottish customers. Does anyone know how to make a claim without going through a solicitor? I hope that Martin Lewis plans on guiding us through this!
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Index Linked Savings Certificate - renew or not?
I have an Index Linked Savings Certificate that’s due to mature next month (last renewed in 2021). I’m unsure whether to renew it again, especially as you can no longer make withdrawals from it. The index linked return (and minimal interest) earned in 2022 was around 7.03%, 2023 was 10.07%, 2024 was 3.17% and 2025 was…
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PCN for double dipping without stopping
Hi all, I hope that you can help me with this issue, as I have wrongly received a PCN, despite not stopping in the car park but I did enter it twice in the same evening, I believe this is known as 'double-dipping'. This issue is causing me lots of undue distress and worry, as I have done nothing wrong; I did not park, stop…
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Married couple gifting to children
I’d like to try and understand the technical/legal position with regard to the following transaction. Married couple. One party (say the wife, but doesn’t matter which way round) asks husband to make cheque/BACS payment from his sole account) to child/grandchild as a gift (from wife). Which he does. Wife then refunds the…
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double query - printing on jeans and baggy sweater help
OK so I've treated myself to some long overdue new clothes. And have a couple of problems. Scratchy printing on the inside of jeans - lovely new pair of jeans, proper jeans not lycra or shredded or whatever and they fit me properly too. So perfect right? Yes except that for some reason there is some large printing inside…
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Meridian Peanut Butter 1Kg tub
Anyone know how on earth you get this open? I've bought it twice and both times when I've pulled the plastic tab, it's come off in my hand. And I've spent about 20 minutes sawing the lid off with a sharp knife. Anybody else had this battle or am I missing something?
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Mars Chocolate Revels and more.
One of my sins in this demanding world is a bag of Mars Revels, they are delicious. However, retail outlets seem to choose their own price to sell them at unless it is printed on the bag as a promotional price. We all know Motorway Services, Railway Stations, Airports, Hospitals etc have to charge more for most products…
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My address can't have a smart meter - how to access off peak deals
Hi Does anyone know of a way of getting off peak deals when they live at an address that cannot have a smart meter? Due to poor signal strength (WAN) I think. I live in a village in the Yorkshire where most houses have smart meters, but I seem to be just out of reach. The company supplying the smart meters (Arqiva) hasn't…
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Switching to sky full fibre
Trying to switch to sky full fibre from bt bb and digital voice. I cannot complete the switch as the system won’t recognise my number and flags no landline service at this address. Has it happened to anybody before
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Easter eggs reduced
Do Morrisons, Sainsbury's, Lidl, Aldi or Asda have a history of reducing the price substantially after this weekend to get rid of left over stock ? I fancy treating myself but only if it's cheap lol
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123 Account to which easy access?
I briefly mentioned this in another thread. Currently have 28k in a 123 account. Fully aware that 8k is being wasted with no interest, and what with the monthly fee rising to £5 it's time to get it sorted. I've looked into various options and have decided that Chase is probably the best way to go (Initially for the first…
