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DMP vs non DMP advice??
Hi everyone, I'm looking for some advice and people's thoughts on my current DMP with Payplan and if there may be more appropriate options based on my current plan and the context of my progress (explained below). I will try and explain the situation best I can (but can add any other helpful information in replies should…
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Dos this sound like a ripoff ?
My Sky is administered by "Sky priority customers" for some unknown reason I have been a paying Sky customer for 23 years ! - Downgrading from Q Sky Stream Package Sky Ultimate TV (Sky Entertainment with Netflix – with ads) Sky Sports Complete, including Sky Sports+ HBO Max (with ads) and Disney+ (with ads) Whole Home…
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The Alternative Green Energy Thread
In an attempt to maintain harmony on Martyn1981’s Green, Ethical, Energy issues in the news thread, Mart and I have agreed that I will no longer contribute to that thread but instead start a separate thread which Mart has agreed not to participate on. The intention of the thread is that green energy issues can be discussed…
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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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Road To Financial Recovery
Ah, time to get back into the race so to speak, can’t believe I am doing this again.It is time to start taking finances seriously again. It is a rubbish feeling to be back in a position where I feel my finances are back in a mess. There isn’t any major debt so that is a positive of course but feel like a plan is needed…
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Save £12k in 2026 challenge (or any other amount to challenge yourself!)
Here are the details below of the savings challenge @enthusiasticsaver and I have been running this year and will continue to run next year. This is the new Challenge thread for savers in 2026. The aim is to get more people saving throughout the year and this thread gives a space for people to record and track their…
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What are Utility Warehouse E7 Off Peak hours Eastern Region
Hopefully a straightforward question but due to my incompetence I don't seem to be able to find the answer on the UW website and their CS don't seem to know and it is not on my bill or any of the paperwork I have had from them. What are the E7 night rate hour sin Eastern region and how do they change for BST/GMT when the…
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NST June 2026: Onwards and Upwards
June is a month of positivity. A month of Onwards and Upwards: an idiom that means to continuously make progress, improve your position, or focus on a positive future. You may be at rock bottom or halfway up a mountain. Or, as turtles, you may be in the Mariana Trench or in Lake Titicaca. We all have different starting…
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How to reunite separate gas and electric with an EV tariff.
I’m struggling to find a place that will allow me to search for this. Currently have electric with Eon Next, but there are better rates with eg Edf, but then I can’t see the married gas rates. Searching gas alone (as current supplier OVO aren’t offering anything enticing) points to ecotricity or fuse. I don’t know if these…
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HSBC cashback offer
Has anyone (customers only) opened, payed in or transferred onto the HSBC Isas cashback offers yet? If so, any communication from HSBC that the new ISA account qualifies for the cashback? I opened one but no idea if it qualifies, the other day I moved money from my HSBC account onto another bank and now I have returned it…
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Changing from business to residential British Gas
We bought our house in December 2025 which was an airbnb. (business tariff on British gas) The property was not listed on the Royal Mail website, so we paid North Yorks Council £60 to do the street naming (now completed) and also get it changed with the council to residential (now completed) British Gas will not change us…
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NSI Index-linked Savings Certificates
Hi, I have now option to renew my NSI index linked savings which is maturing in less than a months time. I have an option to renew for 2 years 3 years or 5 years. To continue with a 3 year option I don't have to do anything. I won't need the money for 5 years but not sure which option to choose. Any advice will be greatly…
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DCB LEGAL, SMART PARKING, court claim, defended, at WS stage
Hi everyone, I'm looking for some help regarding an old PCN from the 08/03/2024. I was not driving the car at the time but I am the registered keeper. DCB Legal Ltd have now notified the County Court in Northampton that they now wish to make a claim against me for overstaying the free time allocated,during a visit to the…
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Updating Will for money for Grandchildren query
Hi, My current Will is set up to leave all my money to my grandchildren when they reach 21 but reading numerous threads on here it seems that this will incur hefty taxation and need to be set up in a Trust, difficult to manage etc. As the sum involved (currently unless I win the lottery) is around £40,000 a STEP qualified…
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Biting back with a vengeance
I've won several PCN appeal lately, mostly ia POPLA and am now taking on another. I can easily appeal this one based on other things such as the issuer already has details of my blue badge, as confirmed by a previous successfully appealed case. However I'm going at this one from a novel standpoint where I am going to use…
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Tax on savings interest
i thought if you have no income employment you could earn tax on savings interest plus starter rate. HMRC have applied a 20% tax on moderate savings interest a few thousand (well under last year's tax code). And reduced my tax code. No other income. Surely this isn't right? They won't change it and say it is based on…
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Perusing for replacement car
Our current car (Corsa) is now 18 years old and, despite it only doing 71k miles, I feel a newer car should be considered. Not right now but within the next 12 months. The last time I bought a new car was 2005 and the current one was bought 2011. So much has changed since then. I want a hatchback (not a fan of SUVs or…
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Progress not Perfection
Happy New Year! I thought it was about time I started a new diary. I've been on these diaries since 2008. My last diary is here Things
can only get better My first diary is here Champagne Lifestyle Lemonade Budget and the one after that here Looking for the Silver Lining. That's a hell of a lot of waffle over the years 😆…
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Time to Face The Music
We have decided as a couple that it is time to face the music and start paying down some of our debts. We are lucky that we are both in jobs that pay ok but we have at times been living beyond our means and now it is time to start reining in the spending and making a concerted effort to cut the debt. Moving house last year…
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CGT on chattels
As executors, we did all the right things including getting a professional valuer for the house contents, came out under £2k as I gather it always does. then we started selling things…to be fair, the valuer a) didn't look in the cupboards and the attic so didn't spot a lot of small items and b) would not have expected me…
