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Progress not Perfection
Happy New Year! I thought it was about time I started a new diary. I've been on these diaries since 2008. My last diary is here Things
can only get better My first diary is here Champagne Lifestyle Lemonade Budget and the one after that here Looking for the Silver Lining. That's a hell of a lot of waffle over the years 😆…
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Quooker no longer selling replacement Scale Control Plus cartridges?
Our Quooker Scale Control Plus has started beeping to indicate that it's time for a replacement cartridge. I don't see replacement cartridges for sale anywhere on the Quooker website any more, though. Does anyone know of a supplier of a decent alternative? There are cartridges being sold on Amazon with a brand name of "Tap…
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If we sell the business exactly how much Tax do owners pay?
Hi all Asking this for a close family member. Before I start, I fully understand that given the financial amounts included in this thread it would be essential to get proper advice at the time. However, we just want to know now if its worth selling the business, closing the business etc because we have heard loads of…
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Heat Pump - KwZ usage through the roof
Hi, We moved to a newbuild in March 2021 with gas and electric provided by heat pump. Each year, we are using around 17,000 kWh, according to British Gas, and spending more than £5,500 in the process. We are a family of two (and a dog) and it's an average-sized 4-bed house. The heat pump installer insists that there is no…
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Is the Uber One subscription worth it?
Uber’s subscription service offers savings (and cashback) on taxis, trains, flights, groceries and takeaways. It usually costs £4.99/mth, but many people are being offered long free trials, from two weeks up to a whole year. It's a rare subscription that can actually SAVE you money instead of wasting it. Read the full…
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Did you buy a Black Friday deal?
Did you buy a Black Friday deal this year? Vote and share in the comments what you got, deal price, and where if yes!
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Can you use interest from savings to get a mortgage?
Hi everyone I have (or will have) about 350k in savings (150k in ISA, the rest in normal savings, including the proceeds from selling the current house), and I'm looking for a house around 400-500k. My plan is to use as little of a deposit as possible, say 50-100k and keep the rest in savings and use the interest to pay…
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SIPP Inheritance & Taxation
I currently have an uncrystalised SIPP and next tax year I will be 65 and my wife will be 75.If I were to die first before I reach 75 then I understand that my wife can inherit the SIPP tax free. However what happens with any remaining SIPP upon her death, will the tax free status be retained or because she is over 75 will…
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Withdraw amazon gift card balance?
Google says it is possible to withdraw from my amazon gift card balance to my bank account. but I'm stumped when it comes to actually doing it on amazon. I didn't expect them to make it easy but I can't see how to even start the process. I can see there may be an issue with the parts of the balance that came from an actual…
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15months to debt free - I hope
Well I thought it was time I started a diary having put my two pennorth into several others. Brief bit about me. I am a retired careworker having done other things as well. I have a husband who has mental health issues and 3 old dogs. A 15 year oldJack Russell X who has heart and kidney failure so I am not sure how long we…
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24/7 Home Rescue still chasing £65 “cancellation fee” after I filed an official complaint with FOS
Hi everyone, I really need some advice regarding 24/7 Home Rescue and a £65 “cancellation fee” they are chasing. Here’s the situation: * I never cancelled my Direct Debit. * 24/7 Home Rescue stopped providing the service and I requested them to cancel the policy on their side. * Later they claimed I cancelled the Direct…
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CGT. Self assessment advice if the profit is within the allowance
Hi i'm looking for some advice if possible please. I've recently sold some shares and my profit was around £1350. I know there is an allowance of £3000 for 2025/2026. Should i submit a self assessment anyway because when the sale money was paid into my bank, the profit and the purchase amount went in together in one lump…
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Debt and Caring
An unprovoked attack on my ankle by a metal workout bench has me lying down with a foot up this evening. Which makes this the ideal time to start this diary. And possibly to declutter some exercise equipment... Yesterday I was £9993.61 in debt. Today I have made a £1500 payment to one of my credit cards taking me down to…
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Personal Injury - RTA
My daughter recently had a near miss on a motorway - an RTA right alongside her. She was in outside lane, a truck in the middle and a car on the inside lane collided. Luckily everyone got out without serious injury. Daughter carried on to her workplace and initially seemed ok but gradually the pain and stiffness of…
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Writing to creditors individually
Hi, I am currently, after advice from Business debt line, contacting my creditors individually and asking them to freeze interest and consider wiping debts off. I am also awaiting my Dr completing a DMHEF due to mental health issues. My debt is personal debt, but as I also have a small business I needed to go through…
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Bank switching; What's a good account to open just to do a switch shortly after?
Hi everyone. Looking for a recommendation for a bank account to open that I will switch from shortly afterwards.I only currently use Nationwide which I don't want to lose or open another account with. Thanks in advance!
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Resourcefulness: The budgeter's friend
Happy New Year to readers old & new! Well, it's time for a new chapter. My old diary ("Put away your purse & become debt averse") achieved pretty much what I intended. I shared the story of how I got into debt at the age of 19 & stayed that way until a pretty enormous lightbulb pinged on during my early 40s, I've shared…
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LootUp.Me Codes 2025
I have searched but cannot find a thread for LootUp codes. The website is https://lootup.me/earn.php if anyone wants to join up Weekly free giveaway ~ https://lootup.me/giveaways.php If anyone needs them they can be posted here. This is today's one:- FROSTYGAINS are here to warm up your earnings! Redeem this code and claim…
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Five Year Fix, Five Year Plan
I've not even got a mortgage yet, but here I go. I'm finally getting on the housing ladder and settling, after living around the country for the last decade. I've been in a position where "I'm just about to buy" for about 8 years for various reasons, so while I've not spent well, I could have saved better instead of…
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NEWBIE - APCOA Parking charge at Gloucester train station
An APCOA parking charge was received for non-payment of parking at the Gloucester station overflow car park. The issue date is within the 14 days but it didn't get delivered until a week after the issue date, however the letter conveniently doesn't have any form of post mark to show that. I have seen some threads before…
