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Do it for your future self
Hey all, Here i am again, my third diary and each time i come back with more and more debt. I have been feeling so hopeless recently, this debt has been weighing on me so heavy - was it 100 percent my own fault by living beyond my means (yes) but its making me not want to exist i feel so trapped to be honest. I’m not…
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Compare the (meercat) market energy website for nosy neighbours
https://www.comparethemarket.com/energy/ With a postcode and a house number you can see anybody's energy consumption! My neighbour is using 26.6k kWh of gas!? 3 people in a 4 bed modern detached, something amiss? £12k energy bill!? Sorry just bored on a Sunday but I thought it might be of use for those that don't know how…
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Financing a car purchase
This has probably been asked a million times before but I would like to hear some opinions on this. I had to have my 12 year old Astra written off and the insurance gave me around £2k for it's value. I'm looking to buy a family car (nice size) that is around 4-5 years old. Firstly, any recommendations? Secondly, what is…
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Debt Free at 63... What next?... [Equity release on mortgage free house 2025]
Hi, I need some sage advice from our fantastic hive-mind :) I am considering equity release on mortgage free house in the next couple of years. Sadly my son died a couple of years ago so I now have no family I want to leave my inheritance to. * I am single, 63 (still work teaching 3/7 days and reach pension age at 66) * I…
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Liability for intercom system
I inherited my current flat after being a carer for 7 years for a parent with dementia. When mum bought the flat it had just been built its a private Sheltered Housing build and was outfitted with a careline link, intercom system connected to the fire alarm , front dooor. Now, its only been 25 years and the Service guys…
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Warning: MBNA 0% for 22 Months credit card.
This was entirely my fault, but in case anyone else sometimes fails to read the small-print then the 22 month interest free offer from MBNA is not entirley what it seems. So when you see the following.... ...you may (fairly reasonably) expect to be able to make purchases on the card for 22 months @ 0% interest. But that's…
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Should itsthelittlethings spend less on coffee?
Hopefully this works as an all new diary for me. Will add my debt into my signature and keep track of how I do going along.
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Notification help
Is anyone having issues with notifications not showing? I’ve seen people have replied to some of my posts but they are not showing on my notification list so wondered if there was a problem?
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Santander free forever bank account changes
Just got a letter in the post that Santander are changing my business account to £9.99 a month. I've had it a very long time and remember Santander trying this move before only to be told they can't because the original sign up material pushed it as being free forever. Does anyone have any thoughts?
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Reading as a cheap hobby
Reading needn't cost anything if you live within walking distance of a library or get a free bus pass. Libraries often put on free activities for children, too. If you're lucky, your local library will be warm and have some cosy armchairs. Some libraries will allow laptops so that students can work on projects and…
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On bin day, neighbour obstructs my front garden with their bins.
As the title suggests, I live on a street with detached houses. My neighbour always places their bins on the roadside, but right up against the boundary of my front garden on collection day. My front garden has large shrubs/trees along the front edge of it, and the only way to maintain them is from the pavement side…
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Advice please!! Chased by ZZPS and GCTT
Hi, looking for some advice please. I was issued a parking charge on 20th May at a private car park managed by SRL Management Ltd. I’d overstayed at the car park due to being at the cinema and had no way of extending the ticket which as it was pay on arrival. My husband told me to ignore the parking charge and I’ve since…
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Scottish Bin Hubs - your view? Question for estate agents
Scottish councils have been placing communal bin areas in roads outside tenement flats. Would this put you off buying a property that had these directly outside the flat you were thinking of buying? Young people think it's a good idea but people middle aged and older find them to be a monstrosity.
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Metal v Plastic fuse-box rental
I'm sure my 1st property (now a rental) had a metallic fuse box which was changed to plastic for 'safety reasons'. My letting agent says it now needs to be a metal one (!) but when I contacted a landlord helpline, they said - no, as long as there is no damage to it. There is no damage. I'd like to get a health check done…
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bristol airport £100 fine for stopping at a roundabout
bristol airport charge £7 to drop off a customer to get a plane. i stopped at a roundabout outside the parking area with no traffic present and then went inside and paid and received a £100 fine which I appealed and it was denied. i have responded since and their claim is increasing. any tips on what to do .
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Recommendation for 32 in’s smart tv
Looking to buy a smart tv 32 in’s without having to use aerial? Thanks
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Second property
Seeking views on our situation. Partner and I - no mortgage. Partner (52) early retired (ok-ish pension - £20k year). I'm a decent earner (£75k and 45 years old). Own our house outright - mortgage paid off 4 years ago. I'm also seeking to retire early. We have over £130k in cash ISAs. Partner gets pension lump some soon.…
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1% challenge 2023
Welcome to the new home for the 2023 1% Challenge - 100 ways to make your 1%. This challenge was started a couple of years ago by Little Miss Uni Debt, I started using this challenge last year and found it really helpful in focusing on paying off a more manageable amount at a time! I’ve copied below Little Miss Uni debts…
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Living Large, on a Small Income, by the Sea.
I am living by the sea in a beautiful house. (I can’t believe that sentence is about me) I have spent two years living in other people’s homes. I ended up on a sofa for several months. The joy of my own home, my own key, my own bed…it is indescribable. I had to go to the top of my budget to buy the house, but it is exactly…
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CrazyBee wants to be Mortgage Free!
This diary is going to be my typed up journey to mortgage
freedom. I begin a new job in the New Year and the mortgage roughly equates to
46K. I have projects that need doing around the flat such as flooring and
kitchen, I will be earning £1950 after tax per month roughly speaking and I
also will need a car fund soon.…
