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strategy for withdrawing pension / reinvesting
I'm in the early stages of early retirement with my husband (ages 56, 57). At age 67 we will get the full SP plus about £2k p.a. DB pensions. I have a £940k DC pension, mostly in a SIPP, plus a £690 k ISA pot and about £160k in a GIA. My husband has a £1,280k SIPP, so he would have breached the old lifetime allowance…
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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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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 Frugal Hearth: Stories of Simple Living and Living Well
Hello, and welcome, one and all to my new debt free diary! My Journey I started my old diary at the beginning of 2020, a couple of months before the pandemic hit the UK and we went into lockdown. That diary can be found here…
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Here I go again ….
Received this letter today tried calling them but can’t get through , look at the price change … how can I heat my home over winter on that cost ???
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Some advice please
Hi everyone, i have been hovering over the post button for some days how. I am in around 21k of personal debt. 3x credit cards & a Very account. 10k, 6k, 4.5k & £500 . I have considered a DMP with step change but then I have been reading threads on here for around a week which suggest the best form of action is to first…
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AdBlocker
Hi, have messed with this (was installed), have reinstated it, but now I just get sound and no pics. It IS installed, so... any ideas pl TIA
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Plodding Along
I've been on here for a good few months now so it's about time I start my own diary. I have been in debt since I was 18 when I got my first credit card and I'm 41 and a half now. The debt has fluctuated over the years with the highest being around the £20k mark, but my head was firmly buried in the sand then. I started to…
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how much to leave in an account, just in case in the future they have deals for customers
I have £1000 in Skipton, as someone said they might be due to have an interesting account for customers in the near future. But I'd rather leave less! Would £100 serve as a placeholder? £50?
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Unable to find lodgers, is this a dead period?
Hi, Two weeks ago I published my ad on Spareroom but I've received interest only from unsuitable people (in particular I wrote very clearly "no couples" at the top and at the bottom and guess what "we are a couple searching..."). The price is slightly over the others, but justified given the size, the comforts, the…
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Nationwide Flex current account maximum daily transfer allowance?
Does Nationwide Flex current account all have different maximum daily transfer allowance? As I have managed to transfer one amount from one of my Flex account to two different external banks before I hit my daily allowance.Today, I have tried with my second Flex current account with a lower amount and it says I have…
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From your experience
My credit file is in a pretty bad way but in: 1 years time 4 defaults will drop off. 1 1/2 years time my last and final default will drop off. 2 1/2 years time 9 missed payments will drop off my report. The last default and the 9 missed payments are only showing on my equifax report and the 4 four defaults are showing with…
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What Freebies Have You Received Today?
As the old thread has over 6000 posts its time for a new thread. What Freebies Have You Received Today? Please post all discussions about what freebies you have received today on this thread. This is a continuation of this thread https://forums.moneysavingexpert.com/discussion/3766189
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Starting Afresh Back Home
Hi Everyone. It's been over a year since I posted on the forum and a lot has changed since then so I thought I'd start a fresh new diary to go with my fresh new chapter in life. Last year my marriage broke down and I left Yorkshire and moved back to my home village in Lincolnshire. I'm currently living with my parents but…
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HELP: Capital One Potentially Reversing Refund After Kickstarter Scam - Botnono Project
UPDATE: Sunday, 2025-08-24 - Thanks for all the fantastic advice everyone! I've now got all the information I need and will be closing this matter. I won't be monitoring this thread for further replies. Thanks again! Hi everyone, I'm at my wit's end and desperately need some advice or just to hear if anyone else is…
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Part-time Uni Course and UC
General query: Can some-one who works(9-3.30 in a school) and gets the carer element of UC study a part-time Certificate of Higher Education Course(2 year course 16-18 hours a week)? Also will the student loan(for the course) affect the UC award?
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Payment a Day - Chapter 2025
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 2025 challenge! (this will start from 1 January 2025) We've decided…
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Buying a little piece of Middle England; Manifesting my way to mortgage free.
Hi there, today I reactivated my account with MSE. Hoping to get some motivation to pay off our mortgage a little quicker. Little bit of back story- So I had a diary in the debt free wannabe forum many years ago. I paid said debt off, saved up money to purchase a house :) and moved. Since then (2015) I have divorced, been…
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Investment advice needed due to sudden disability
Due to sudden and debilitating chronic illness, I won't be able to work in the foreseeable future. I am hoping that I will recover within the next decade, but this is uncertain. I have 200k GBP in savings, which should allow me to focus on my recovery and not having to worry about my existence from a financial standpoint.…
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Car dealer false advertising refused refund
Hello all, On the 2nd August we purchased and collected a used car from a local dealer to ourselves, all fine and dandy in the first week apart from we could not understand how to function the infotainment screen, during that week my Wife asked me to take a look, I was reading the manual to see what we needed to do but was…
