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Teetering on the brink
Where to start! My life has not been without challenges and I have had times where I’ve had a lot of debt, and times where I have had none. I always felt proud to say I have never missed a payment and always managed to get out of a sticky situation myself no matter what. But this time, I am not convinced I will find a way,…
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INXG Distributions
I thought it would be worth flagging an interesting feature of this Index Linked Gilt ETF originally noted by @Alexland, which seems to be "distributing" an excessive amount of interest. Most ILG have very low coupons, so a 12 month trailing yield of 7.15% is way above what you'd expect such a fund to distribute. It is…
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Gifts from Surplus Income
I’m currently assessing my father’s surplus income in order to establish how much he can give away as gifts made from surplus income which will be exempt from inheritance tax. I’m unsure whether the small gifts of up to £250 per individual and £3000 to a different individual should be treated as coming from his income or…
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My DMP diary - 2026 (year 1)
Well… inspired by others I intend to chronicle my own journey through the DMP maze. This is the year I turn 50 and I can't juggle these plates any longer. I earn enough to pay my bills and my debts but there is nothing left for contingency, household or family emergencies, holidays, days out, gifts, car repairs, vet bills…
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Capital Rise
Has anyone invested in Capital Rise's Innovative Finance ISA? I quite like the idea of investing in an IF ISA this coming tax year. I was looking at RateSetter, as I am already an existing customer of theirs, and they have a good few years of operation under their belt. However, I have always liked the idea of going into a…
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Sprive App?
I’ve seen a lot of buzz around Sprive at the moment from people using it to overpay their mortgages. Has anyone used it before and is it worth doing? (Not looking for referral links, just reviews and info from people who know more about it than I do). Thanks in advance!
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Laptop now seems to be slow and fans working most of the time?
Hi, I was using my laptop outdoors, and was logging on to whichever free wifi was available in whichever part of London I was in. Now my laptop seems slower, and also, the fan seems to be whirring away all the time even when I am barely using the laptop for anything. Do you know if someone has put a virus on my laptop and…
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Is this a successful business
When assessing a limited company's accounts how whst info do you look at to assess that? How about this company?
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Waitrose online shop
I noticed on my receipt I hadn’t been given any credit for a 3 for £12 deal. My order email showed them all as being included and charged at the reduced price but the receipt email on the day of delivery showed full price. Honest mistake I thought, probably compounded by them substituting one of the items. So I just…
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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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Weekly Flylady Thread 20th April 2026
Welcome to the weekly Flylady Thread. What is FLYLADY? Well, it's our version of the US flylady idea - but we work on the principle that housework is not fun, it's boring, can be time-consuming, is often thankless but, unfortunately, necessary. It's here on Old Style to provide the support we all need and to make the whole…
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Make £2026 in 2026
This challenge is for noting down all money you have made in 2026. Ways you can make your £2026 are: Anything made at the end of 2025 needs to go in 2025 pot. SURVEYS WINS EBAY FB SELLING GROUPS OVERTIME SHARE DIVIDEND INTEREST INTEREST FROM BANK ACCOUNTS FREEBIES (VALUE OF) MATCHED BETTING VOUCHERS FROM POINTS EG SHOP…
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Cheery's path to fulfilment - finishing the DIY, looking after myself, appreciating the garden 🌻
Hi all 😊 I'm Cheery 😊 By name and (usually 🙄) by nature. I've been around here for many years, taking in all the excellent wisdom and trying to use as much of it as possible 😊 We are two, Mr Cheery and I. We have been together for over 18 years 😮 We moved to the countryside six years ago, gained a large mortgage, and a…
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Sold Primary Residence after a period of absence - CGT help please
Hi, We bought our home in 2004 but moved house in 2022 (I needed to get a more suitable property due to my disability). Our old house was in need of some repair, so there was a year or so where work was ongoing, followed by another 2 1/2 years where it was on the market and just not selling (due to the downturn in local…
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How to transfer a Hargeaves Lansdown SIPP to a Interactive Investor one?
Hi, Does anyone know I would go about doing this, is it straightforward and how long does it take? Thankyou, Warmest Wishes,
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The Mental Debt Struggle...
I've known that this diary needed to be started... But I've run away from the idea as the accountability made me nervous and I didn't think anyone would want to read it. But then I realised it would be financially and mentally therapeutic for me, and that's the whole point after all. I've read other diaries and gained so…
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IWeb/Scottish Widows cash withdrawals to bank - how long?
Would anyone know how long these take please? I've sold some funds in a GIA (realising CGT allowances for this tax year) and I was planning on using the proceeds to fund an ISA on a different platform but looking at the settlement date and some of the stuff I've read online I'm not convinced the sale will have cleared…
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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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How quick are First Direct at ISA Transfers
Hi Has anyone know how quick First Direct are at ISA transfers. Trying to take advantage of their cashback offer but cutting it fine I think. The ISA I'm transferring is with Santander. Cheers
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Investing in uncertain times and diversifying
I was speaking with someone recently and they scared me with talk about the Iran war and everything happening globally. It made me panic sell my holdings, not at a loss, but I reduced my profit. I had over £300k in index funds. What do others invest in during times like this? I do want to start my own business eventually,…
