-
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.…
-
From broke to better ..a journey
Hi everyone. Well today is, as they say, the first day of the rest of my life. The first real day of my journey to get rid of debt. I am alone in this. No partner and no family for support so I am finding myself tearful and scared. I know noone here can hold my hand, but I've seen so much support on other people's diaries…
-
Swagbucks 2025
Might as well have a new thread for a new year!
-
Escape to the country & living off savings
Copied over from my old diary Hello again from Yorkshire 😁 The move from the south coast went well but it has been hectic since I got here. Spending has been budgeted for van hire £250 diesel £90 train fare for DS to get home £30 new boiler £3600 living room light £32 kettle & toaster £40 New bath towels (sale) £6 Living…
-
Money Moral Dilemma: We're funding our child's wedding - do we get any say in how the money's spent?
This week's MoneySaver who wants advice asks... My ex-partner and I have offered to fund most of our child's wedding. While we're only too happy to do so, we're a little concerned about how the money's being spent, with a significant amount going towards luxuries like a tattoo station and mixologist, rather than towards…
-
Moving on up! 🏡
As of this week, I am mortgage free! Unfortunately, that won't be for long. I currently live with DH and our 3 dogs in a one bedroom semi-detached bungalow with no garden or parking. It's what I could afford on my own when I first moved in back in 2019, but now it's time for us to save and move up the ladder. Ideally, we…
-
The Best Is Yet To Come
The Best Is Yet To Come - or so the front cover of my new diary says. I normally hang out in the debt free wannabes, but as I have had my diary on there for almost 10 year (yes the same diary), and have been debt free since April 2018 I thought it was time to migrate over to the mortgage free wannabe area. Please be gentle…
-
Do I Need to Complete the Lenders Income & Expenditure Forms?
So, I've got several credit cards that have now defaulted. A few of the debts have been sold to debt buyers (Lowels and Link). Others seem to have remained with the lenders themselves (Jaja and HSBC). I logged into Lowels portal and was able to set up a payment plan easily for £20 a montth. But when I logged into Jaja's…
-
Mobiles.co.uk
I have been using mobiles.co.uk for a few years. It's come to the time to upload my third bill for the next cashback cheque, but when I click submit, it shows the green upload bar and then nothing happens - the page stays the same and I can't submit the claim. Anyone else having this issue?
-
London Theatres and Hotel
I'm thinking about a possible solo trip to London specifically to take in a few shows. Would be January 7th for minimum 3 nights, possibly 5. In my age group, solo and not knowing my way around London, main criteria I think is accommodation close to theatreland (which I know will undoubtably be more expensive) but I really…
-
Decluttering my flat
Too much stuff in flat. Boxes of toys, paint things train tracks, previous tv lying around. Kid hasn't used painting craft stuff for years. Move ti garage or throw or charity shop? Too many clothes too.
-
West Yorkshire Pension Fund - AVC
AI Overview, Contributing an extra £5,000 to the West Yorkshire Pension Fund (WYPF) as an active member can be beneficial by increasing your retirement income and potentially offering tax relief. You can use Additional Voluntary Contributions (AVCs) for flexibility or Additional Pension Contributions (APCs) to boost your…
-
I was sold a unroadworthy used car by a private seller
bought a used car in a private sale on 22/01/2026 and, after a short test drive and bank transfer, took it to a manufacturer‑authorised dealer on 30/01/2026 for an inspection/service. The dealer’s report says the car is unroadworthy as it stands: front and rear brake pad issues and seized caliper. I have parked the car…
-
"Local Energy Advisor" spam calls
I've been on the TPS for decades and it's reduced spam calls no end, but obviously some people still ignore it. As well as the "bank security department" scams, which probably originate outside the country, one persistent annoyance is the "local energy advisor" calls. These have been going on for years and should have been…
-
PIP query. Can anyone advise please.
A relative made a claim for PIP 15 months ago. At the time they were seeing a Support Worker who filled in the paperwork for them and who was confident they would get both daily living and mobility. I was astounded when I saw the completed forms as there was just one sentence written for each question. No proper detail and…
-
Calculating PSA
Hi, Is there a template for working out your PSA please? Does it include PIP benefit? I work part time, and want to work out if I will be going over with my savings interest.
-
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
-
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.…
-
Cheap energy club switch
I get my gas and electricity from British Gas. I wish to change to a different tariff with them using the cheap energy club system. When I fill out the application form correctly and press the proceed to switch button it informs me British Gas cannot find my existing account. Can anyone help with this problem
-
Samsung TV - Freesat EPG
I'm thinking about buying this TV Samsung 55 Inch QE55Q7FAAU Smart 4K UHD HDR LED TV I will be using my current sky dish to connect to the tv. can anyone please confirm if it will pick up all the freesat channels and give me full 7 day EPG?
