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Outfox want to charge me to check my meter
Switched to Outfox from Octopus at the end of July. Electricity handover all OK but gas meter readings are off the scale, giving rise to large bills. No point in my checking the meter as I know the readings Outfox are getting are the same as the meter but the meter is running at about 3-4 times the rate of historical…
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Will the new EV per-mile tax change your purchasing plans?
We've had a lot of debate about how a 3p per mile tax will be adminstered, but I'm curious as to what difference it'll make in reality. So does this tax have any bearing on your decisions around your current or next car? Bonus question: Does anyone think the tax will have much impact on used car priced, for either EV's or…
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Civil Service Pension & Tax
I was retired from the Civil Service on the grounds of ill health in 2013 (I was in the Classic Scheme). Due to circumstances, I didn’t claim it at the time; I am now looking at doing so. My annual pension will be 12k. MyCSP have confirmed that it will be back-dated (ie 12k x 12 years = £144000). What I was hoping to do…
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"Isn't it nice to think that tomorrow is a new day with no mistakes in it."
So after lurking on other people's diaries for the last few years it's time to start my own. I'd almost paid off my mortgage 4 years ago when I decided to move to somewhere a lot bigger and a lot more expensive. It was also a project. So for the last few years there have been no overpayments as everything has gone into…
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The New Top Easy Access Savings Discussion Area
This thread is for discussion of the Easy Access Savings Guide A previous version of this thread which ran from Nov 2007 to June 2024 can be found here: https://forums.moneysavingexpert.com/discussion/596724/the-top-easy-access-savings-discussion-area/p1
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Dazzling December's No-Spend Days Challenge!
Welcome to Dazzling December's No-Spend Days Challenge! This challenge is all about helping people to save money by setting aside days every month where you deliberately don't spend unnecessary cash. Over the short term, it can help you have a more frugal month. Over the long term, if you stick with it, it can help change…
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SIPP interest 3% +
Hi All Do you know of any SIPP which pays 3% + interest on uninvested cash below £100k please? I know of Best Invest Many thanks Chris
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Advents 2025 chat
A thread for chatting about the Advents. The Advents competitions board is here There appears to be a lot of missing comps this year - early ones like Welcome to Yorkshire etc - and still too many comps on IG. How do people comp on IG without getting banned?
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Hopefully debt free before Mortgage renewal in June 2026
Hi, So, My mortgage is due for renewal in June 2026. I bought a house for £190,000 with around a £48,000 deposit on a 5 year fixed rate of 1.63% interest which comes to an end on 30th June 2026. I currently owe £129,363 and pay £517.72 and i have 25 years and 6 months left to pay (i will be 68 when this ends). I know…
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Starter Savings Rate for higher rate tax
My father is a very cautious investor..his is retired, but has no income other than the interest payments from his savings (no pension, rental or dividend income). I have a question about the use of the starter savings rate in the fortunate situation where the annual income from his savings will be over the higher rate 40%…
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What is my floor type? (Sound insulation)
Hello guys. Ive not long moved into a flat, rented from a Housing Association. It's affordable, and is in a fantastic location, so I'd like to invest in it. The flat currently has no flooring, except for kitchen tiles and laminate in the bathroom. So before I order carpets etc I'm looking into sound insulation options. I'm…
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LBC Gladstones Northern Ireland
Hi I’ve received a Letter before Claim from Gladstones relating to an overstay at Tescos 1 yr ago for 20mins. Horizon have been sending letters every couple of months to my daughter since then which I’ve told her to ignore. It then went to Debt recovery plus. My daughter is the registered keeper of the car and don’t want…
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Creating payment plan for contractor to sign
Hi after issuing my final letter before court action to a contractor who's work was not fit for purpose,they have agree to pay me a set amount in a few installments.I can find some template letters online for them to sign, but would also like to know whats important to include, obviously the dates if payment, the amounts…
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POPLA appeal advice needed - APCOA Hospital charges
Hi and thanks to all for all the information on here so far. I received several charges from APCOA over the period of a couple of months. I am a staff member at the hospital where APOCA manages the car parking for both staff and visitors via ANPR. I had a valid parking permit which lapsed without them notifying me. As a…
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From Frugal Foundations to Fortified Family Future
Good evening MFW'rs I hope there is a little space in diary land for me (Greying Pilgrim) to take up residency and chart our journey to mortgage freedom - albeit we're doing it a little back to front. The short story is, that we did own a home - Greying Towers - but 4 years ago we moved into rental accommodation with the…
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Barclays premier account
Hey all, I recently took MSE advise and transferred to Barclays, but wondered when I will get the free Apple TV-+ and MLSoccer, is it at the end of the switch (including 2 direct debits) or before? Thanks
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Sealed Pot Challenge ~ 19
PLEASE READ THROUGH THE RULES AND THE CHANGES FROM NOW ON! A very warm welcome to another Sealed Pot Challenge, our 19th! Due to the Cost Of Living, I suggest we all save in the best way possible for each of us: if some still prefer to stick to cash, then please do so. Those wishing to use debit cards, or save via the bank…
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December 2025 Grocery Challenge
Welcome to the twelfth Grocery Challenge of 2025! ❄️⛄️🎁 As always this challenge is to reduce your own grocery budget to levels that you will be pleased with, not forgetting that we always recommend that you stay inside your own comfort levels and take things gently one step at a time. Remember that this is not a…
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5 year fix?
Hi all We are in process of moving house and with a 80% l tv we can get a five year fix at 4.15% with the bank. Would five year fixing be best way forward you think or should I shorten it and go with a two year in the hope rates are continuing to drop? I know this is an impossible question in many ways. I’m minded to go…
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Budgeting Spreadsheet - Formula issue
Hi there, I've recently set up the budgeting spreadsheet using the template on this website, but I've just discovered that there's an error in the forumula for the Home total. It looks like 3 new rows have been added without updating the total formula. As it's protected, I can't modify it. Please can you help?
