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Milann’s mutterings through retirement
I thought it was about time for a new diary. Ive been a member of MSE many years now and got my debt down from £20,000’s to a big fat ZERO. I kept the debts to myself as I was the one who built them up. Dh would have been ok and we’d have worked through them together…..but it was my mess that I wanted to clear myself and…
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Nest Pension - anyone have experience of taking money?
I'm looking to start taking money out of Nest, but I'm getting conflicting advice from them. On the one hand they have said "If you have £3000 or more in your pot you can take some cash out and keep saving with Nest. You can do this once every calendar month. Up to 25% of each withdrawal will be tax-free, and the rest will…
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Unusual approach to mortgage
I'd like to buy a house with my partner (aged 32/33; first time buyers). Financially, I see the advantages as: mortgage interest and house running costs less than market rent rate (hopefully) hopefully appreciating asset with no capital gains taxes tax free income (rent a room scheme) increase in inheritance tax free…
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£25 Amazon gift card for opening a Santander current account (27/11/2025 to 09/12/2025)
New £25 Amazon gift card offer launched today. Can be withdrawn at any time. LINK (taken from MSE, there are other participants whose links you can use). THIS OFFER HAS NOW ENDED. Requirements: - Register with VoucherSent and in the same session successfully open a new Santander Edge, Edge Up, Edge Explorer or Everyday…
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Moneybox - FSCS Protection?
I thought I read Moneybox was FSCS protected, but on the FSCS website, it says they are not? This is a bit worrying given MSE recommends them as the top interest for transfers…?
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Free plastic bag for meat and fish
I work in a supermarket that doesn't have the small plastic bags for fruit and veg. Most people just pack their veg with other packaged goods. I had a customer yesterday insist I gave him a free compostable 10p bag for his meat. I asked a manager and they said just let him have it. I just wondered legally do we HAVE to…
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MSE Forum Poll: How often do you carry a bottle of water around with you?
Staying hydrated is important, and having a reusable bottle of H20 at hand is fairly commonplace these days. It's meant to be more environmentally friendly than buying a disposable bottle ad-hoc, and can save you having to track down a shop or vending machine. Sometimes public places like train stations and shopping…
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Hoping to refresh my small 50 sq feet kitchen
The kitchen in my 1 bed flat needs some TLC!! It's a compact 50 sq ft area, L-shape layout I think. Will send some photos. So mixture of cabinets & 1 set of deep drawers on the left hand side & a corner space. There's a rear aspect double-glazed window above the sink & some more cabinets under the sink & to the right. The…
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MF Date 2037 - MOP it up by 2030?!?
Hello my fellow MFWers. I've decided to start a new thread now that I am debt free (4th June 2025) - yippeeeeee! I took out my mortgage in 2021 for 16 years and I'd absolutely love to get it paid by 2030 but we've recently been told that our tiny team in work is being transferred to another department and our job is very…
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Found old Unit Trust certificates (person has died)
Hi there, I have found 2 Unit Trust certificates (Pearl Unit Trusts) in my mum's name - she died 5 years ago. I have no idea what these are and how to proceed if there is a monetary value to them. It seems that Pearl Unit Trusts no longer exist. Any advice greatly appreciated. Thank you.
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PCN - Operator Asking for Address
I got a PCN in London from Parking Control Management (UK) ltd. Parked the car at my friend's flat and went in to his flat. The first 30 mins is free but I thought I overstayed a couple of minutes when I found the yellow PCN. Spent anotther hour parked to see the concierge but they told me to check with the operator…
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my van you are unfortunately not eligible to take this complaint to the FOS
Hi, Thank you all If not the FOA, who can I go to another level up, as I should have my old van back, or buy back and pay them 30% out of the money I get off them. (Because you are a third party and not a policyholder, you are unfortunately not eligible to take this complaint to the FOS.} My complaint is I was very ill in…
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New Build Anti-Competition Claims Leaflet
Hey MoneySavingExperts! Recently received a post through the door re: New Build Anti-Competition in my local areas. The content of which is a copy pasta from the website the flyer provided What Are "New Build" Claims? • Major housing developers are suspected of breaching the Competition Act by sharing information with Each…
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left stranded in sri lanka by netflights.com
Ticket London to sri lanka return booked with netflights.com on 11th january 2026. (IMPORTANT date ) travel - 18/02/26 due to return 8/3/26 . when disruption occurred she followed the advice from netflights.com who said "…wait until airspace reopens and then contact the resort team to arrange alternative travel etc" NF -…
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Valuation of equities in capital declaration
I have two queries around this, but as often seems to be the case, definitive info is not always easy to identify in the benefits space. The first one is the XD. I'm planning to apply just after the XD on my equity holdings. Do dividends that you have qualified for, and have been reflected in the stock valuation need to…
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NCP entering administration.
With the news that NCP are going bust, is there a way to get a refund for any pre booked spaces ive paid for? I have about 6 pre booked spaces this year that I've paid for already.
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Coventry 1 Yr fixed cash ISA
Looking at this as I have a couple of maturing fixed ISAs and want to invest my 26/27 allowance to consolidate into one account. However concerned that the application process only gives the opportunity to request one transfer in. Can anyone confirm that I will be able to transfer in a second account once the ISA is open?…
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Pension while recuperating abroad.
A relative who is visisting family in France unfortunately has had a fall and broken their hip, they have been told it could be between 3 and 10 months before they are able to return home. How will this effect their state pension and do they need to inform any government departments?
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Adding named drivers to drive me in my car as no longer able to drive
I am currently the owner of our car, and my disabled wife (who very rarely drives) is a named driver. But I have been told I am no longer able to drive and have 11 months left on the insurance. We need to keep the car in order to transport my disabled wife (very few of our friends' cars are able to carry her powerchair).…
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3rd Party Liability Insurance for dogs - Dogs Trust stop from 30/6/26
I've just had an email from Dogs Trust saying that they are no longer offering 3rd Party Liability insurance with the Companion Club membership. I cannot afford full pet insurance - both my dogs are 13 years old and the premium quotes are ridiculously high :o( . Does anyone know of any other organisations like Dogs Trust…
