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Gifts from Surplus Income
I’m currently assessing my father’s surplus income in order to establish how much he can give away as gifts made from surplus income which will be exempt from inheritance tax. I’m unsure whether the small gifts of up to £250 per individual and £3000 to a different individual should be treated as coming from his income or…
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Is this a fair quote for a porch build?
Hi all I have a delapidated side porch which I want replaced. A very slightly larger footprint (only by 2 square metres!). What I currently have: My dodgy photoshop mockup of what I would like (this is obviously very rough! But gives an idea): Floorplan (things have change slightly since I did this, but it gives an idea of…
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Do we complete on the same day as sellers?
Our sellers are buying a new build which has been slightly delayed however we are now nearing exchange and I know we will need to agree a completion date. Do we complete on the same day they complete? First time buying so didn't know if it was done this way or if they complete and we complete a few days later when they…
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DCB Legal Claim Form Defence Help Needed Please
Hi, I am hoping to get some help with my claim form defence. I have followed everything I could find on the threads up to this point. Situation: Parked in a car park whilst using the gym one has used for years and all of a sudden there is a restriction. I was not aware I had to register my car details in the gym as I would…
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HSBC / William Hill Fraud
I really need a bit of help and advice. When it was the Grand National a few weeks ago I put a bet on via William Hill Online. The last time I used William Hill online was the previous Grand National . I deposited £5 using my HSBC Debit card which is stored by William Hill, and won a total of 70p !. Then on Sunday night…
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Battery Electric Vehicle News / Enjoying the Transportation Revolution
I thought a more specific thread/title might be useful for posting news on BEV's (and EV's in general), given that we have threads to discuss the minutia about EV ownership, but perhaps a thread just for the news might be useful. Disclaimer from the start, BEV news can easily become Tesla heavy, so posts, especially mine,…
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Ocean Parking Whitefield Metrolink
Just contributing to the threads on here regarding Ocean Parking and Metrolink car parks, particularly people caught out by the No Overnight Parking rule. I'm helping an acquaintance who received a PCN Feb 2025 as the car had been left in the free car park at Whitefield due to the driver missing the last tram home. After…
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Are UK take-home calculators too complicated?
I’m trying to understand whether people prefer simple tax calculators or detailed ones. I built a stripped-back prototype to explore this and would appreciate critique. Thanks in advance.
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A whole new world, for now
So, here’s the new thread I’ve been promising myself for a few months. My old one, that served me so well, is https://forums.moneysavingexpert.com/discussion/4855808 A potted history of me. I’m 49, live in NI with OH, DD and dog and DS is London based. Have been in debt for a lot of my life and came here post personal debt…
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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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Contracting Out and voluntary contributions
I am confused about an issue to do with voluntary contributions and the process known as “contracting out”. I was a public employee and (in common with many public sector workers) my occupational pension was, for some years, contracted out. I have the full 35 years of national insurance contributions which would normally…
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DCB Legal ltd LoC (Smart Parking ) Angouleme way
Hi All, I disputed a PCN back in 2022 for keeper wasn't notified with 14 days which Smart parking replied say they did and they matter had been passed to Debt Recovery plus. I had never and still to this day don't any evidence of the offence. I know for a fact it wasn't me and evidence should show the sex of the driver is…
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Amazing April's No-Spend Days Challenge!
Welcome to Amazing April's No-Spend Days Challenge! This challenge is all about helping people to save money by setting aside days every month where you deliberately don't spend unnecessary cash. Over the short term, it can help you have a more frugal month. Over the long term, if you stick with it, it can help change your…
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Baby steps to mortgage freedom for beanielou.
My first thread on the MFW board!! My mortgage has 6 & 1/2 years left to run. My income seems to decrease more & more & it becomes more & and more of a challange to pay my hefty(to me) mortgage. I have managed an overpayment last month as I got some £££'s unexpectedly. My biggest fear is not being able to pay my mortgage &…
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Virgin Money Cash ISA internal transfer (sort code 82-xx-xx)
I have two flex cash ISAs with sort codes beginning 82 (i.e. visible along with the current account). I applied to transfer part of one of the accounts to the other account in preparation for a transfer by filling out the details on:…
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Holding back on booking flights because of jet fuel shortages?
How much is this affecting your holiday decisions? I already have 1 trip in May which I booked before the current events started. I had other plans for June to September but I am reluctant to risk flights at the moment. I am considering Eurostar or UK trips.
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Double Probate needed?
Person A died, naming persons B and C as executors in their will. Person C reserved powers because of ill health, and Person B was the active executor with the Grant of Probate. For various reasons Person A’s property was not sold after death and Person C has continued to live in it. It is in shared ownership and the…
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Should I take out a student loan or not?
Hello, I have about £40,000 saved & Im about to start a 4 year university degree. My tuition fees cost in total for the 4 years around £28,000. I estimate my living costs per year will be around £12,000 per year so £48,000 total I am eligible for a student loan and can access a full tuition fee and full independent student…
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Ticket advice for an anxious commuter
Start a new job next week, after a long period of unemployment, that requires 2 days in the office. I've been remote for so long, commuting feels like something from a bygone era so would be great to get some advice to relieve my anxiety. I've downloaded the TrainSplit and ScotRail apps as I understand Trainline charges a…
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Mortgage Free now aiming for FIRE
Time to start a new Diary. I have had my old one since Autumn 19 which is when I moved into my forever home after 4 years of renting in London. I am 52 and I live with my DG on the South Coast. I have a well paid job for my sector and was finally made permanent and full time in December 21. DG is self employed which she…
