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AVC-PSE-Mimimum Wage
I have been paying AVCs through payroll for the last number of years. It has been on the Gross side of my payslip as my company have been using PSE. However with the mimimum wage rising it had moved to the net side. (I think it would work out that I could pay £10 AVC and still be in PSE). I want to pay £50 or so and am…
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Apple Help?
So I currently own Silver 2018 MacBook Pro 13inch 4 USB-C/Thunderbolt ports (2 Each side) with Intel chip 8GB Ram 1TB SSD. MacBook still works fully sometimes a bit slow and battery don't last as long but is in very good condition. What the best/Cheapest way to get M4/M5 Equivalent MacBook Pro/MacBook? I don't have the…
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UKCPM, B W LEGAL moneyclaim 2025
Hello everyone, I hope you are well. Thank you very much for all the helpful contributions here. Unfortunately for me I did not find this previous to my appeal so went through that malarkey! This is my first time posting here and I have a couple of problems, please may I have your wise advice! First: The parking permit…
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Company refused/declined Home Insurance cover
I had been happy for several years with the home insurance cover I had with one company (Company A). However, in 2024 they didn't want to insure me any more because they had stopped covering homes with oil-fired central heating. So, I found another company (Company B) and have used them for the last two years, although the…
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OTP's and 2 Factor Authentication problems
A bit of a long post but tying to highlight the difficulties experienced whilst abroad. We travel to see USA family every year for at least a month. Roaming and international charges being what they are now, I don’t use my UK mobile number but use a USA sim card for USA calls and data, and use WhatsApp calls and messaging…
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Paying pension contributions with savings
There's been some talk about paying into pensions vs paying off a mortgage. While this is useful, these were from 2021. The economic situation has changed - my question is similar and different. Self-employed, currently out of work in my late 50s. Is it better to keep paying into my pension with savings? I've taken a…
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Housing benefit nominal income from deferred pension
I reached pension age earlier this year. I have some small private pension funds which I haven’t as yet decided what to do with - so I’ve deferred them. As a recipient of housing benefit I have told my local authority (Hackney) about these deferred funds (around £15,000 in total value). My understanding is that they should…
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House Insurance Scam
The last insurance I took out on my property I was scammed by the insurance company at the end of the first year they took a second years premium from my credit card without my permission or knowing anything about it or agreeing to it, I contacted my credit card and got the money back but then the insurance company…
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Which AI tools do you use?
Which AI tools do you use to save money, boost your income or organise your finances? Let us know your success stories (how much did you save? What did you learn?). Does your bank offer any AI tools and if so, are they a help or a hindrance? We'd like to hear of any duds you've tried too. Thank you. ___________________…
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Vague lease wording - is a License to Alter required? If so, extra £3k costs
Hi everyone, my partner and I bought our home as first-time buyers last year, a long-term leasehold maisonette, and we now hope to refurbish the bathroom. The alteration section of the lease reads as follows: (13) Not at any time during the said term without the license in writing of the Lessor... to make any alteration in…
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Second home council tax – part-year UK use while living abroad?
Hi, I have a property in the Sefton Council area which is currently classed as a second home, so I’m paying the council tax premium. I spend part of the year there (around 10–12 weeks at present), while also living abroad, but I’m now retired and gradually planning to base myself more in the UK. The house isn’t empty—I use…
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Make Me A Winner - General Chat
Instead of bumping the Make Me A Winner thread with needless chat about getting calls from someone other than the station and answering the phone with the phrase "Make Me A Wiinner" only to find out that it was a relative or your cats vet, please use this chat thread instead, that way the competition thread can only be…
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Secure tenancy or shared ownership?
Hi, I have the opportunity to apply for a shared ownership on a new build. £20,000 for a 10% share. I am currently living in a housing association property which is a secure tenancy, and I have the right to acquire. Am I best off staying where I am? I am 37, two children (15 and 2), in a relationship but not married.…
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Hot water Trickling out of Taps
Just wondering if anyone can help? Economy seven setup for water heating with an unvented water cylinder with expansion vessel sitting on top. Installation took place circa 1997 when apartments were constructed. Mains water pressure is fine with a flow rate of circa 35L per minute. Over past few months the hot water flow…
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P4Parking PCN private residential
Hey gurus. Had a friend visitor park in development residential parking in a white lined disabled bay, they had blue badge on dashboard. PCN says no valid ticket. Bare with me, they are abit nervy when it comes to these things but im trying to reassure them to trust the process! Since p4parking say they are BPA registered…
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New Job with Employment Overlap
Hi, I am currently in the process of leaving a job and joining a new one. I left the previous Job in february and started working at the new one immediatly, however, I am still employed by the previous company and receiving monthly pay from them until the 30th of June. I have not yet been paid by my new employer but will…
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Virgin Media retention deals (post your haggling successes)
Post any deals you've obtained when negotiating a new deal Post The package The price and discount The length of the contract
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How to move house when my house needs work?
I've suffered from ill health for years and this has meant my house needs work done. But I also want to move, and I've seen a house I like. What is the best way to deal with this? What does it cost to put my possessions in storage? I've never done that before so have no idea of the cost. How can I buy the house I want…
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Vanquis reporting debt write-off ADVICE PLS🙏
Hey all First ever post on here. At my wits end! Due to debilitating health issue my own bank could see I was struggling to pay a loan and offered to write it off if I sent all the medical information they needed to evidence the write off. They were fantastic, empathetic and proactive. They also wrote to advise this would…
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The Long and Winding Road
This seems like an appropriate thread title given the very long path we have to walk to get even close to mortgage free, but we're certainly thinking about it and have been taking note of small milestones already. Hopefully this thread will see our walk turn into a canter. Except with one significant and self inflicted…
