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"Small Pot" benefits question
A question I have on 'Small Pot" pensions. I have just handed my notice in at work (3 months notice). At the same time they have transferred to a new scheme provider. So if I do nothing, and don't combine the two pensions I will likely end up with a fund at retirement of less than £10k, so a "small pot" I think there are…
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Aviva Savings Gift card
Opened a savings account with GB bank via Aviva savings back on 23rd July.Put £10000 in and supposed to receive an email to pick a £20 giftcard but have had nothing.Rang Aviva a week ago said i should get one within a week but still no email. Has anyone on here received one or had their giftcard. I am going to have to ring…
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Save More Spend Less
Hello, Currently have a diary on DWF board, feel this will be a better place to be as I am currently saving for early retirement! We are mortgage and debt free. Mr D has his savings, he is very good at saving, we have joint savings and I am starting to build up my saving after being in debt for most of my adult life. So I…
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Up to £100 worth of gift card for joining Aviva Save
https://www.aviva.co.uk/investments/savings-accounts/#offer
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Three PAYG SIM no longer free?
Hi Am I correct in thinking the free three PAYG SIM is no longer a thing? Cheers
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Moving forward and upwards
I decided today to bite the bullet and start a saving for a deposit diary. Moving away from my other diary as that served its purpose for that part of my life. Its now time to focus on my next goal, buying my own home, for that I need a 15% deposit. For nearly three years I've been saving my pennies, saving chunks of my…
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CCJ and home insurance
Hello I realised that i had forgotten to put a CCJ on when updating insurance in 2024. The CCJ was back in 1995 and settled 2001. this resulted in increase in cost of insurance of around 75%. I accept that was my "error" but what annoys me more is that in the statement of insurance, shows CCJ, IVA & Bankuptcy together,…
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Can I balance transfer credit cards and my overdraft onto a new 0% credit card?
Looking to consolidate my existing credit cards and also my overdraft onto one balance transfer card. Is this possible and if so, what is it called? I'm unsure what exactly I'm searching for
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Any point trying a third estate agent?
My house has been on the market since February. The first estate agent I used has offices all over Kent with an office in my village. They handle a lot of local house sales and I've used them in the past a couple of times with great success. However, this time they got me just one viewer in three months. They actually…
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Barclays £200 Switch offer - Direct Debits
I opened up a Barclays account to get the £200 Bonus but Chase rejected my switch as I forgot I still had the linked savings account open, and the barclays app now won't let me switch that account. So, I have quickly setup a new account with my other bank and added my Plum and Moneybox Direct debits to this, which are now…
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Swagbucks Codes Thread 2025 - CODES ONLY PLEASE
This thread is only for Swag Codes, any chat etc should be on the Swagbucks discussion/chat thread If you had the old codes thread bookmarked you will need to bookmark this one The chat/discussion thread for 2025 https://forums.moneysavingexpert.com/discussion/6577620/swagbucks-2025#latest
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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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NEST Pensions
My partner works for charity and they use NEST as their pension provider. She is 57 and has possibly 10 more years to retirement. They currently don't allow pension sacrifice but they will be in the near future. He hourly wage isn't great but is it above the living wage so i have advised her to max out her pension by…
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Installing new oil boiler
My house is not suitable for air source heating due to its age and building style. Have had an engineer out to check. I live very rurally and gas will never reach me and I don't like the idea of calor. So, at present my central heating is powered by woodburning stoves. I am getting old and this is becoming quite…
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Lack of response from GivEnergy
I am looking for anyone who has had dealings with GivEnergy in the hope that they could advise me what action I can take. So far I have contacted Citizen's Advise and Ofgem and created a complaint with Resolver. In April we were approached by the company who fitted our solar system, Solar Armour. They suggested that we…
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Anyone owed money from Empathy Funeral plan?
I am desperately trying to find out where my money has gone after Empathy Funeral plan went into administration. O'Haras LTD took over the insolvency, now I cant get hold of them. Jeremy Bennett is who I assume was the Director of O'Haras. I wont say too much about him but looks like theres problems with him.
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Ideas for writing on cards.
I didn't know where to put this thread. My dad and FIL have about 200 Xmas cards to send this year. We have told them that we would write who they are from and we have address labels for the envelopes. One has Parkinson's and the other bad eyes and other ailments so sitting and writing is hard for them both. I was thinking…
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If you inherited £20k, what would you do with it?
For context- when my Grandad passed, money from the sale of his house was put into a Trust, ready for me when I turned 21. I have used a large proportion of this money for a deposit on a house, and so I now have roughly £20k left over. I have an additional £5.5k invested into a Trading 212 Stocks ISA, investing into the…
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Interactive Investor £200 incentive to move pension. Can be stacked with Quidco?
Hi, I have a small old work pension worth about £15,000 and was considering transferring it to Interactive Investor. I noticed they’re currently offering a £200 incentive for moving a pension into a new SIPP with them. I was wondering if this would stack with Quidco’s offer? Many thanks,
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Rule of thumb insurance for 17yr old learner
Hi going to price it all up on line tomorrow but just wondering if experienced forum users know of a ‘best’ way to insure a 17yr old leaner on mum and dads car we have a 7 year old Yaris on which im main driver and mrs is named, we have 10+ years no claims no points etc so our fully comp premium is 200 a year. It’s coming…
