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What to do with my savings
Hello everyone. Probably a very naive post here, but would appreciate any help. Returned to the UK from the Middle East on £50k salary in education (annual increment so ~£56k by 2030). Probably end up renting somewhere for ~£1.2k/month until we buy. I have £100k+ in a normal savings account with NatWest and still have a…
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Letters of Administration with an existing will
My sister in law died recently. She left a will, but both of her executors have died. Her daughter (next of Kin) would like to know how to apply for letters of administration where there is a valid will in existence. I’ve looked at Form PA1a and it only seems to cover circumstances where there is no will. Grateful for any…
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Octopus Energy account mix up
Hi all, I recently noticed that my energy bills were not including my electricity. I contacted Octopus and they said the meter was only sending info intermittently. So I took a reading and sent it on. Same happened again the following month so I reached out to them via email. In the midst of the back and forth I got an…
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O/S Daily Thursday 29 January 2026
Good morning all.
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Vacations To Go
Has anyone booked a cruise through this site? It offers discounted fares across a range of cruise lines. The offers are attractive but I'm wary. It's US based and I'm concerned about not having the usual safeguards -ABTA/ATOL etc. Another concern is making a payment to a US company. I did search this site and there was a…
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Pet Insurance - Penalised for being an existing customer
I've currently got Pet Insurance with Tesco and I've been with them since 2016. My cat is now 9years and 9months old and my dog is 4years and 2months old. I had my renewal quote in and it was £292 more expensive this year. I called them and they applied a 15% discount for each pet. This took it to a difference of £168 more…
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Electricity Meter Blank
Hi there, I tried to submit a meter reading last week after completely forgetting at the end of December. When I went into the meter cupboard I saw that the electricity meter was blank. A quick google said to raise it with my supplier, which I did last week but I have heard nothing, is this normal? Utility Warehouse is my…
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Lux ac battery controller
Thought I'd start a new thread for the Lux battery controller as suggested on the battery storage thread. To kick it off, I notice there is an entry on the web portal stats under "history data" for battery temperature (tBat°C) but mine just shows zeros. There's also entries for max and min cell voltage but again, no…
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Asset Allocations by Country and Asset Type
An interesting visulisation showing how assets are allocated by country, based on Goldman Sachs data. https://www.visualcapitalist.com/how-investors-allocate-their-investments-by-country/ CountryU.S. EquitiesDomestic EquitiesRest of World Equities (ex U.S.)🇺🇸 U.S.78%N/A22%🇳🇴 Norway48%12%40%🇨🇦 Canada45%49%6%🇩🇰…
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Taking profits from a stocks and shares ISA
over the years I’ve built up a good portfolio of stocks and shares and cash in ISA’s, always maximising my allowance. I’ve also built up profits and interest payments in the accounts. Now I’d like to take out some of my profits. I have flexible accounts. Now it seems, when I take money out it is taken from the allowance…
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Wills and Inheritance tax question
Looking for help please Friends are civil partners in their 50s. They own their house, valued £550k, as Tenants in Common, with a £100k mortgage outstanding. Partner X has a son 25 & daughter 21. Partner Y has a daughter 23. X’s estate value is around £850k (after 1/2 mortgage) Y’s estate value around £720k. What is the…
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Serious questions about Debt Management Plan and StepChange
So, I've been on a token repayment plan for the past 4 months with StepChange. I have informed them that I've had a small bump to my income and as a result, they want me to ring them and redo my budget over the phone. Now for transparency: My income is £29k plus a £5k part time self employed job (100 a week or so) so…
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Paying tax on income for gigs?
Myself and three friends are in a band, weve been going about 3 years and are now at a stage were making a bit of money off our ticketed shows. (max £350 each per show. max 2 shows a month) We're worried dually about where the money can go (posted a separate thread) as at present we take it in turns to take the payment…
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ACI / Updraft
Hello, I posted my first post last May 2025 mentioning I was approximately in £70k of debt due to gambling. Today, I am mentally feeling a lot better with my debts across 11 creditors at £57k so I'm immensely proud that the balance is going down. I did go self managed and found thing so stressful so I went with PayPlan for…
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Help! £54K debt, DMP process and defaults.
So I have the following debts: Virgin credit card: £9646 (interest free period expires next month) Lloyds credit card: £6464 (paying standard interest rate) Santander: £5098 (paying standard interest rate) HSBC: £6198 (interest free period expires next month) M&S credit card: £ 3143 (period expires 6 months) Halifax credit…
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Nationwide finger print biometrics
Have Nationwide stopped using finger prints to log on ? Mine stopped working a few days ago and I am unable to set up a new fingerprint
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How or do I pay tax return?
Do I enter 278.80 in bit below? I've submitted return
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Debt Management Plan
Good afternoon all, I hope this finds you well - sorry if i have not posted this in the correct place. I have broken up with my partner for the right reasons, however we had credit card debt which was solely in my name so now i am lumbered with it all. It's around £40,000. These are made up from several credit cards. After…
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Where to buy physical Gold/Silver Bullion at Market price?
Hi, Looking to buy from a reputable place/website, preferably at market price or cheapest prices not asking price and do I have to pay VAT? Discount available for bulk purchases? Also which website abroad is reputable if abroad is cheaper and what taxes am I liable for importing? Basically looking to buy at the cheapest…
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A training company took a deposit and says it is non-refundable
A business training company has talked me into paying a £1000 deposit for a training. The date was supposed to be the end of March, beginning of April this year and I was available on those dates - the sales person knew about it. I also told the sales person then why I am not available on other dates (I am a wedding…
