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Return cost of unsuitable items
Hi i purchased some pictures online and when they arrived they were nothing like the people in the images I had provided. In fairness the company have agreed a full refund on receipt of the returned items. However, the return address was in China and it has cost £22.70 to send back. I asked if the supplier would refund…
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Becoming debt neutral - a long haul!!
I'm starting a diary here as I have decided that I want to start focusing properly on becoming debt neutral. I have been thinking about it for a while now and started the process a couple of months ago but feel that it's the right time to start a diary to help keep me on track as I have a horrible habit of spending…
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Parking stories in the News/media
To save adding to a post about something else it might be worth having a seperate thread for parking stories in the media Kicking it off is this on the BBC news site"Drivers fined as Durham car park camera 'misses them leaving' yep, its the good old double dip again, full story on the BBC…
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Stamp Duty
I have never owned my own property, only rented. I may be buying a property soon, for just under £300K. I may purchase the property outright with my savings/Inheritance. My girlfriend owns her own property and will have to sell it before joining me in the new property, giving me half the purchase price and having her name…
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Slow Living - Doing It Old Style!
It's a bit early to be starting this thread but it's the last day of 2023 that I will have the time so I'm doing it now! I have decided that 2024 is going to be the opportunity to put into practice all the things that I have thought about, wanted to do and dabbled with in 2023. I have a few diaries on the forum which touch…
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November 2025 Grocery Challenge
Welcome to the eleventh 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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Barclays, upto £2500 cash back for a cash, investments, or ISA transfer
https://www.barclays.co.uk/smart-investor/campaign/transfer/?campaign=SI_Email_Acquire_Campaign_email_Premier-2915-competitor_&chnnl=EMC Got an email about this, this morning. Need to transfer over £200k to get the maximum cash back and it’s paid out within 12 weeks after the end of the offer window I think, so around end…
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Are "Negotiated Orders" safe
I'm trying to buy some gilts (£10k of TG31 on Iweb), and even the relatively small number of a gilts produces the comment below.. (same for TN28) Am I exposing myself to risk, commiting to buy without any price limit or guarranty Negotiated Order Your order can not be completed automatically Your order cannot be completed…
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Vegan Storecupboard Challenge Winter 25 - Winter 26
It's back for a new year!! I celebrate my New Years day on the midpoint between Autumn Equinox and Winter Solstice and that's today so it's time to get the new Vegan Storecupboard challenge off the ground! The aim of this challenge is to minimise grocery shopping and food waste by using up as much as possible of what you…
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Southern Water Bill
Just got my latest Southern Water Bill and compared to previous. Yearly Standing Charge for Water & Waste:- 2023/4 = £78.80 2024/5 = £90.00 2025/6 = £142.90 Cost for Water & Drainage per year:- (We average 102.4 Cu.M per Year) 2023/4 = £381.89 2024/5 = £433.62 2025/6 = £641.26 Our total Bill will be for 2025/6 will be…
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Pension options
Hi, My son has 8/9 small pensions with 5/6 providers after being auto-enrolled by previous employers. He has now found a job which he will hopefully stay in for many years and will soon get auto-enrolled in their pension scheme. My question is where is the best place to get advice about what to do about all the small…
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DCB Legal Claim form received: Issue Date 27 Feb 2025
Hi There I have returned from business travel. In my post is a claim from DCB Legal with an issue date of 27 Feb. This evening I've been fumbling around attempting to submit my acknowledgment of service online, however my Government Gateway details aren't at hand and in my attempts to reset them online, i received the…
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HMRC will stop cash-like investments in S&S ISAs
Updating this with the official note from HMRC https://www.gov.uk/government/publications/tax-free-savings-newsletter-19/tax-free-savings-newsletter-19-november-2025 I mentioned this on an ISA thread, but it's relevant to a lot of pensioners as well. According to the FT today, as part of the ISA changes, HMRC is going to…
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Learning to walk before I run
Hello all! :) I am returning to the forum in an attempt to gain your collective wisdom in sorting out our dire finances. I've been experiencing a series of mini lightbulb moments of late and have realised that it's time for a change. Despite being vaguely savvy as regards areas of personal finance such as pensions, I have…
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Claim form from County Court Northampton.
Hi everyone, I'm looking for some help regarding an old PCN from the 08/03/2024. I was not driving the car at the time but I am the registered keeper. DCB Legal Ltd have now notified the County Court in Northampton that they now wish to make a claim against me for overstaying the free time allocated,during a visit to the…
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State Pension Changes / Living Abroad
Hi all, just reading about the changes to the state pension that is planned for next year. perhaps someone can explain to me where I stand. i lived in the UK as a student from 2004-2009 and worked until 2011/2012, before moving back to Europe. Paid back 15 years worth of NI contributions (class 2) a few months ago, under…
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APCOA - Newport Station
Had a NTK come through after the car received a ticket back in October. Even though it was originally a ticket placed on the car, should we follow the same process as before in this thread? https://forums.moneysavingexpert.com/discussion/6625097/newbie-apcoa-parking-charge-at-gloucester-train-station#latest I also…
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2025 DECLUTTERING CAMPAIGN MrsSD - The Joy of Decluttering
To use Guineapigsqueaks/Sa1sysoo words “A new thread for declutterbugs in (2015 2016 2017 2018 2019 2020 2021 2022 2023 2024) 2025 !" My 2024 was another washout on the decluttering & decorating fronts. That is what happens when I don’t plan ahead 😔 Neither DH nor I have managed to summon up any enthusiasm for anything…
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Where would you Invest £550,000 inheritance for at least 6 years until entitlement
A simple question cause much deliberation. Onshore or Offshore?
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Calm not chaos
Hi! I've been here before (a few times) and still not tackled the debt. Currently living in a world of repayments, credit card shuffling, pay-in-3 and flex chaos... I've tried the obsessive budgeting every penny approach and it doesn't work for me - see also healthy eating/exercise/home improvements etc etc I need calm and…
