-
Money Moral Dilemma: Should we return the furniture we thought we'd been given for free?
This week's MoneySaver who wants advice asks... My mum's neighbour gave us some furniture, which we believed to be a generous offer to help us furnish our first home. To show our appreciation, we donated £100 to his son, who ran the London Marathon for charity last weekend. The neighbour has now said he could have sold the…
-
Frump to Fab - 2025
Happy New Year 🥂🍾 Welcome to the new bright and shiny all singing all dancing new thread. Are you ready to transform yourself this year. To get fit, healthy and gorgeous. To ditch the frump and to get FAB-U-LOUS. To emerge from the chrysalis into a beautiful butterfly. Are you fed up with being a downtrodden workhorse, are…
-
Marriage allowance
Hi, I applied for marriage allowance over 12 weeks ago. I have heard nothing from HMRC and obviously I’m waiting to submit my tax return via my accountant and they need to know if it’s been changed or not. Is this something I can check online, I have looked but I don’t think I can? Thanks DH
-
Litfad Company?
Don't know if this is the correct section but here goes. I am looking for info on the company "Litfad". I have seen a desk that I would like to buy but am wary of the company. Put it in Google and it wasn't good reviews and some saying it was a scam company. I was originally looking if it was a British Company as I didn't…
-
Onwards to freedom!
Hello and welcome to my MFW diary. Not sure how often I'll update as I'm going down the boring 'increase monthly mortgage direct debit' route, not the more interesting to read 'random repayment as and when a bit of extra money is made' route. Still, no harm in starting a diary here, even if it's just for me to look back on…
-
UW, Econ 7 and Dimplex Quantum heater
Somewhere in the above combination there is a mismatch and I need someone to point me in the direction of what I can check please. After a month with UW, I have my bill, readings day 303, night 128. This time last year day 76, night 409 - which is what I would expect. I am now at home full-time compared to last year BUT…
-
Duplicate home insurance policy reclaim
I've recently became aware that for the period of Dec24-Dec25 I have been paying two house insurance policies. I had a policy with Source Insurance, through a local broker for Dec23-24. I received an insurance renewal email from Source in Nov24. I contacted my broker for a renewal quote in Nov/Dec24 and I didn't wish to…
-
Boosting mobile/ cellphone signal?
Hopefully someone with technical experience in this field can give some advice. Hopefully enough explanation below but can possibly add more. The issue. I am in a rural area ( on the edge of a village rather than put in the wilds) so my property does not get a good 4G mobile signal. It is down around -100dB but fluctuates…
-
How to reclaim insurance excess following an accident to our car.
Hi All On 12th May 25 we pulled into a large open air shopping centre carpark and parked correctly. As my wife was feeling unwell, I got out and went to get a small amount of shopping. On return, about 15 minutes later, my wife told me that someone had attempted to park their car in the space adjacent to ours. In doing so…
-
Umbrella vs invoicing for short consulting trial
Hi all, new here. Hope I've posted in the right place. Looking for a quick sense check. I am about 10 years into my career and about to try consulting for a short trial period of around 3 months with a couple of startup clients. The work is hands on delivery, day rate based, around 3 to 4 days a week, and I am assuming it…
-
Debt being recovered by two separate companies?
Hello, would be grateful for any advice. Self managing a DMP, all been pretty smooth. Have set up payments towards most debts. I had a 13000 loan with RBS, and there are two different companies, AIC and Zinc contacting me about the same debt. I don’t really know which to deal with. Thanks
-
Smart Parking Limited County Court Claim - Angouleme Retail Park, Bury
Hi All, In March 2022, I asked for an advise on this forum about a Smart Parking Limited fine. At the time I made a mistake of appealing with POPLA and got rejected. I was advised to ignore their letters until I receive a a court letter. This incident happened on 27/10/2021, and came about because I paid using the council…
-
NS&I website login problems with telephone code
Anyone else had this problem? Entering an on-screen six digit code via telephone is the second part of the two-factor authentication process to log into NS&I accounts. It's the part that usually goes wrong and prevents me from logging in. This issue has plagued me for months and has never worked consistently. There's no…
-
Recent experiences/recommendations with online only agents?
So we last sold our house through Strike back in 2023, but unfortunately our vendor caused the chain to collapse and we're now back at square one as our buyer has moved on. We've now found the "house of dreams" and want to move quickly. Last time, we had 3 over-asking offers within a week, all with proofs, so I'm confident…
-
False alarm, please remove.
Sorry, false alarm. I was looking at the wrong sheet and my generation meter reading is now at a similar value to my actual import meter reading, hence my mistake.
-
La Dolce Vita - 2025
Happy New Year to One and All. Wishing you all health, wealth and happiness. 🥂🍾 Welcome to the new thread. Where I catalogue my attempts to live "The Sweet Life" on the tiniest of budgets. My aim is to live a life of ease, plenty and abundance whilst deliberately living below my means to avoid debt. So far so good. I am…
-
CSPS: Using Scheme Pays to pay a tax charge; what to think about?
Hi all, This is my first pos. I've got a tax charge on my civil service pension CSPS for this year of £3000, which I can either pay from my own funds or use the Scheme Pays to pay it. I'm keen to check that I'm thinking properly about it all before making a decision and finding it very hard to get anything resembling…
-
Will trust and equity release or alternatives ?
Hi, dad deceased and left half family home to me and sister in trust. Elderly mum is in care at home and we need to raise some funds to contribute to financing care. Her savings are steadily reducing to local authority threshold but it’s unlikely their help will cover care costs we feel are needed. equity release broker…
-
Let Thrift shopping thrive in 25!
A shiny new thread for the thrift shoppers amongst us - those who haunt car boots, FB marketplace, Vinted, Ebay, jumble sales & charity shops to score bargains galore!
-
Rear wheel smacked
Hi After some basic advice given all garages are closed now until next week. Yesterday night going around a roundabout at around 30 mph, rear wheel slipped and I managed to get it back but not before it took a large impact with the kerb. Instantly traction light came on, ABS and tyre pressure fault (not low pressure). Tyre…
