-
Someone put bagged dog waste in my bin
Hello Put bins out for waste collection and someone put bagged dog waste in my bin have evidence off our cctv. Our council have said no offence has been committed and the contents he put in our bin are un known. It was clearly bagged dog waste he had his dog with him which was peeing up our neighbours bin when he did it.…
-
CMS complaint
Hi all, I applied for Child maintenance and they have said they are closing my account due to me no longer being the parent with the main day-to-day care of this child. this is incorrect and i believe they came to this conclusion because my ex fed them lies. When I called them they said HMRC told them I’m not claiming…
-
My Off-grid and need to be frugal diary
New year, new start - trying to save in 2025.
-
The Cashback for Bank or Investment Accounts Discussion Thread
What is this? This is a list of cashback offers that might be of interest to MSE forum users, focusing on: * Savings accounts including ISAs; other bank accounts may be included too * Investments including pensions, but note there’s already a related thread on the Pensions board * Offers you can get in addition to bank…
-
Payment a Day - Chapter 2026
Small Payments. BIG Impact. Making a small (or large) Payment a Day (PAD) - or whenever your budget allows - towards debts or savings all adds up really quickly! And can change your financial future... Hey everyone, Welcome to the Payment A Day - Chapter 2026 challenge! (this will start from 1 January 2026) We've decided…
-
Fiver Friday Challenge 2026
Hello all, Welcome to the Fiver Friday Challenge for 2026. Each Friday I will put away £5 into a separate account and if I stick to it will have £260 by the end of 2026. I did this in 2025 and found the little and often approach really worked towards this goal. Who is in for 2026?! Coxy
-
Time for Change…..
I’m heading rapidly towards my half century and still don’t feel like a proper grown up in charge of my own destiny. It’s time that I pulled on my big girl pants and start facing facts and taking responsibility for my life. After all, I am the only one that can do it! I’m going to use this diary to keep up momentum and…
-
Finally learned my lesson
Hi, I have been in debt since the age of 18. I am 49 now. I am paying off a DMP with 6k left. I have 5 credit cards, all with a 0 balance. I log on every day and it fills me with joy to see a 0 balance. I use them but pay them off in full every month so I never pay any interest. This is my 3rd and final DMP. I'm so happy…
-
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…
-
EDF Sunday Saver
"Shift your electricity usage from Monday to Friday away from peak times (4pm-7pm) – to get free electricity the following Sunday." Average peak electricity usage at end of week Free hours of electricity earned Free electricity times the following Sunday 19.3% (no change) 0 N/A 17.4% 4 8am - midday 15.5% 8 8am - 4pm 13.5%…
-
DCB LEGAL RECORD OF PRIVATE PARKING COURT CLAIM DISCONTINUATIONS
A UKPC/DCB Legal pattern is now emerging, the same as the Highview/CP Plus/GroupNexus/DCB Legal pattern that has evidenced itself over the past few weeks. * Court claim issued * Defence completed * Hearing date given * Witness Statement deadline dictated by the court * Phone call from DCB Legal to defendant * Email to…
-
Parkmaven Premier Inn NTK
Good morning, Yesterday I received a NTK from Parkmaven regarding a recent stay at a Premier Inn. Having seen some of the useful threads on here, I contacted Premier Inn to tell them about it. I have been instructed to appeal the NTK and provide my booking reference number as the only evidence needed for them to overturn…
-
Self Assessment Confusion - Says 'No Tax to Pay'
So I did my 23/24 Self Assessment on 2nd January and my calculation shows I owe about £2k of tax for 23/24 and £1k on account for 24/25. Makes sense - EXCEPT my account balance says 'NO TAX TO PAY'. I've spent hours online trying to figure this out, why can't it be clearer HMRC !?! First I thought it would filter through…
-
02 mobile
Hello please do judge me, I have been very ill the last 3 months and am struggling. I have severe heart and lung problems. Anyway I have fallen behind with my bill. Handset and airtime. I’m worried now that they will cut the handset off I need the handset working due to ill health. I’m not fussed abut the SIM card just the…
-
Watty's Awakening
Time for a new diary I think. It is 2024, my last diary began over 10 years ago and so much has changed. My introduction in case we have not “met” My first diary told the story of, what I thought was a long and
happy relationship, paying off a mortgage aiming to get my financial freedom
from the world of work by paying off…
-
From Frugal Foundations to Fortified Family Future
Good evening MFW'rs I hope there is a little space in diary land for me (Greying Pilgrim) to take up residency and chart our journey to mortgage freedom - albeit we're doing it a little back to front. The short story is, that we did own a home - Greying Towers - but 4 years ago we moved into rental accommodation with the…
-
Fixed vs Tracker – Need Advice Before Completion (Halifax)
Hi all, I’m looking for some guidance as I’m very close to completing a remortgage with Halifax (2nd Jan is the provisional date set), moving from a different lender, the recent base rate cut has made me reconsider whether I should switch from a 5‑year fixed to a 2‑year tracker. Option 1 – 5‑year Fixed * Rate: 3.92% *…
-
The Save £12k in 2025 challenge
I give details below of the savings challenge I have been running this year and will continue to run next year with the help of @Suffolk_lass This is the new Challenge thread for savers in 2025. The aim is to get more people saving throughout the year and this thread gives a space for people to record their progress. The…
-
Fixed rate accounts
My Father in law has Dementia and is in a care home, my wife has both lasting power of attorney, so she has access to his bank account. We hope to complete on the sale of his bungalow early January, so, around £280k will go into his current account, so I was thinking about opening a fixed rate ISA and some fixed rate…
-
M&S Chicken Leg Portions
M&S Chicken Leg Portions are very good value this week, can only presume there may be a surplus after all the chicken crowns sold over the Christmas period. Had some for evening meal and made a pot of soup and very tasty they where.
