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June 2026 Grocery Challenge
Welcome to the 6th Grocery Challenge of 2026! 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 competition....it's…
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Problems transferring Lloyds Cash ISA to another provider
I initiated a transfer from the new provider, giving (what I assumed) were the correct details of the Lloyds cash ISA: Account #, Name, Sortcode etc. It's an instant access account with no notice or other issues to worry about, so I'd assumed it'd be complete fairly quickly. The transfer request from other provider…
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Success with challenging Final Charging Order?
Hello folks. For background, I am in debt to the tune of £60k (all consumer debt), £11k of which is owed to a bank. My creditors have been good to deal with overall and I am in a self managed DMP with standing orders going out each month. Everyone except the bank seems ok at the moment. Solicitors acting on behalf of the…
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Claim Form
I have taken no action on a parking notice and the debt collector’s letters or on the Letter of Claim. I’ve now received a Claim Form from the court. Can I ask advice on how best to proceed please (can’t find a specific reference this in the Newbies thread). It is from Euro Car Parks and the original notice from 2024 was…
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Hopefully debt free before Mortgage renewal in June 2026
Hi, So, My mortgage is due for renewal in June 2026. I bought a house for £190,000 with around a £48,000 deposit on a 5 year fixed rate of 1.63% interest which comes to an end on 30th June 2026. I currently owe £129,363 and pay £517.72 and i have 25 years and 6 months left to pay (i will be 68 when this ends). I know…
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What are you making for dinner?
There were problems with the original thread in that it disappeared and could not be reinstated. So a new thread was created and we all started again, unfortunately that thread also seems to have joined it's predecessor. So here's a new one. We need to hear about Suki's lamb casserole and Island Maid is back from Amsterdam…
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Using A Credit Card For Safe Puchases Instead of Paypal
Thinking about getting a credit card to: (mainly) provide a way of getting my money back in case of dispute/scam earn points for purchases I usually use Paypal to purchase for reason (1), but having recently attempted a chargeback following a dispute with a seller, they immediately refused as it was past 30 days.…
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our forever patch challenge
well, this week sees the new start to my mortgage free plans. After 18 months clearing debts, then paying for our wedding, which took most of our hard earned savings, we are at the beginning again. Due to restructure at work, OH is on a reduced monthly pay, so the savings are even more of a challenge! Our plan is over the…
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Preparing allergy medication for my son's residential trip – any tips on keeping costs down?
Hi everyone, My 10-year-old son is going away on a residential school trip later this month and I'm trying to get everything organised beforehand. He has a few allergies and the school has asked us to make sure he has all of the medication he may need while he's away. By the time I add everything up (antihistamines, spare…
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Wrong tax code overpayment
I have just looked at my March pension figure on my personal tax account which was posted today. Even though it is paid on the 28th of the month it is generally submitted to HMRC in the first week of each month. The tax deducted was way above what I expected so I contacted my pension provider who said my tax code had been…
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*sigh* this is still taking a while, but moving forward (slowly!)
Hope everyone is enjoying their Christmas so far :) After 4 years writing (sporadically) on my previous diary, I thought it was time for a sparkly new one. A lot of things have changed over the 4 years - I just have 1 job these days, my children are all that bit older, our house renovations are complete and our debt is…
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Debt Help
Evening all, Was looking for some advice on my current situation… I had 14 different credit/lenders which have since been sold to 6 recovery companies (Lowell, PRA group etc.) I had previously let them get to missed payments on the basis of eventually letting them all default which has happened since October/November 2025.…
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Paper probate
We had to apply for probate as a paper PA1P due to a change in executors, the named solicitors agreed to renounce in favour of some of us beneficiaries. We sent the paperwork and additional items as requested, including the deed of renunciation, death certificate and will etc. A few weeks after that, we received the…
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One off Caribbean Cruise
We mostly holiday in Europe and have annual travel insurance including cruise cover, this is due for renewal later this month. We are going on a Caribbean cruise in February next year but this will be our only holiday outside Europe, is it better to upgrade our annual cover to worldwide for the year or to take out stand…
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The New Top Easy Access Savings Discussion Area
This thread is for discussion of the Easy Access Savings Guide A previous version of this thread which ran from Nov 2007 to June 2024 can be found here: https://forums.moneysavingexpert.com/discussion/596724/the-top-easy-access-savings-discussion-area/p1
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The ups, the downs and the insides out of growing your own in 2026!
Welcome to the new ups and downs of growing your own! Everyone is welcome. Come and tell us about your growing shenanigans Maybe tell us a bit about yourself; What do you like to grow? Are you going to try anything different this year? Did you try anything different last year? Did you like it? Would you grow it again? Do…
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Probate/Selling House/Council Tax
I just thought I would vent a bit as when we wanted to market deceased parents house the EA would not market it until Probate had been granted. Probate only took a week and we thought great at the time but in the current selling climate with buyers further down chain dropping out right before exchange we are now having to…
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Insurance backed guarantee vs certass guarantee
Hello all, Looking to get quotes locally for an new external door and full length fixed pane window for my porch. one of them offers 10 year insurance backed guarantee and other one offers 2 year certass guarantee. The 10 year person does only windows and doors. The other person is a certified glazing person who does…
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£10 Amazon gift card for opening a Santander savings account (09/12/2025 to 18/12/2025)
Get a £10 Amazon gift card for opening a Santander Edge Saver, Easy Access Saver, Limited Access Saver, Fixed Term Saver, Fixed Term ISA or Easy Access ISA. OFFER HAS ENDED. What you need to do: 1: Use this LINK (taken from MSE, other affiliate links are available - I've listed the Top Cashback affiliate links in this…
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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…
