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Twinklies mortgage journey 2.0
New Beginnings So today is the start of our remortgage and as such I thought it would be nice to start a shiny new diary. Hopefully I can be reflective of the journey so far and make some new and focused goals. Just to bring anyone who doesn't know me up to speed. I am married, 2 kids, a dog, a house and an allotment.…
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Energy news in general
For GENERAL observations and information not related to specific suppliers.
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CrazyBee wants to be Mortgage Free!
This diary is going to be my typed up journey to mortgage
freedom. I begin a new job in the New Year and the mortgage roughly equates to
46K. I have projects that need doing around the flat such as flooring and
kitchen, I will be earning £1950 after tax per month roughly speaking and I
also will need a car fund soon.…
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APCOA PCN Manchester Airport Drop-off
Hi Guys, I recently received a PCN notice from APCOA about a drop-off at Manchester Airport. I know you can usually ignore APCOA, but I don't want it to escalate into a CCJ and affect my credit score. I've also been advised to appeal to APCOA, not admitting to who the driver was, and also asking them to provide the…
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NHS Voluntary Redundancy
Hello, this is my first post :-) I'm after some advice about ideas for a managing a potential redundancy package. In a couple of months I will find out if I can leave the NHS through a VR scheme. I have long service (25year+) and I am also a high earner (£80k+) so I would get the maximum package but would like to hear if…
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Section 75 for Legacy JL Card
I need to make a section 75 claim for a transaction made on my John Lewis partnership card back in January 2022. I no longer have a John Lewis account but I understand that I can still make a claim despite this. I did some reaerch and found that John Lewis used to use HSBC at that time (they switched to Newday later in…
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Admiral Law Refusing to Pursue My Non-Fault Claim – What Can I Do?
Hi all, Nice to meet you all virtually. This is my first post so please be kind. Looking for advice on what to do next regarding my insurance claim. Context My wife was in a non-fault accident: she turned left out of a garden centre and came to a complete stop to let an HGV exit a yard. The HGV then swung wide and hit the…
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£10-a-Day Challenge: 2026
Hello everyone! I used to be part of this challenge years ago, and after a long hiatus I’ve found my way back. The aim is simple: find or earn an extra £10-a-day to put towards debt, savings, or whatever financial goal you’re working on. It’s a fun, motivating way to build momentum, and every little win counts. Would love…
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Emergency fund within pension advice
Hi folks, I plan to retire fairly soon and my pension will essentially be invested in two parts, one to facilitate growth and one as an "emergency fund" to call on when the growth part isn't performing well to guard against sequence of returns risk. I have no other savings. I plan to use flexible drawdown so both parts…
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Termination of employment
I'm not too sure of how to go about this, I was wondering if I could have advice on how to ask my employer for the reason of my termination as he hasn't stated it in the email like he did in person. (Reason being due to budget cuts and unable to afford paying me on my 12 hour contract) I've worked at the location since…
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Peace and quiet
Any tips on buying/renting somewhere quiet? I really value a quiet night of sleep. I guess being away from main roads is a top priority? Any other ideas?
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Frozen Heat Pump
Our first winter with a heat pump and it is very cold here (around minus 10 last night). The back of the pump has frozen over: One side has rather a thick covering of ice. Is this normal? Online reading suggests it should run a defrost and low refrigerant could be an issue? It's a 12kw 6th Gen Samsung. Thank you in advance…
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Renewables: "talking 'bout my generation"
Please forgive the corny thread title inspired by The Who but this post on the bloated 'how do I make the most of it' thread prompted me to initiate a new one... Well, there was yet another misty and bleak start in North Notts today (Thursday), but my SSW 3.92 kWp system was generating around 3kW for just a few minutes…
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Casual use printer
Can anyone recommend a good reliable black and white printer with affordable cartridges and costs less than £50
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Problem with calculating annual income to open bank account
Hello everyone, I’m waiting to open an interest paying bank account. I live of a lump sum, savings and a monthly allowance from my private pension and savings in other savings accounts. I have no debts and live within my budget. The problem I have is that every bank asks for your gross annual Income and I don’t know how to…
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is it worth extending share of freehold lease?
Hi all, I’m the new (first-time) owner of a flat in London with a share of freehold and about 86 years left on the lease. I’m wondering whether it’s worth paying around £1,500 to extend the lease now. I’d only need to cover solicitor fees for a 999-year extension. With the upcoming leasehold reform, I’m unsure whether this…
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The second hurdle - Nichelette v the huge mortgage
Hello! I thought I would start a new diary as we attack the second phase of our mortgage... In Jan 2019 we bought our first (lovely, but little) house for 320k with a 10% deposit. South east prices :s . With the fees we began our journey with a mortgage of £289,500 over 30 years. To be honest, whilst it was affordable to…
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PCN residential visitor parking
hello :) the company that issued the windshield PCN is registered with IPC so as i understand it i need to wait until i receive the NTK. the PCN also lists "n/a to n/a" as the observation time - i am unsure if this invalidates the PCN. i will be making a complaint to the building manager as well as the property agent (who…
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Moving pension from st James place.
Hello I have a pension with St James place and I was thinking of taking control of it myself. I was looking at putting it in a SIPP someone like Aj bell.Was wondering if anybody had done the same thing with their pension.
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Does £600 for planning permission to convert two windows into one sound right?
Hello, Pictures are attached, please excuse the visual mess (and my wayward finger). The family has previously used the local council's planning permission/building control service and from what I remember the cost was in the £100-£300 range in order to apply. Now my (London) borough is using this planning permission…
