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Recent Discussions

We're a friendly community of MoneySavers sharing our experiences and tips to help each other out

OutFox quote
Hi all, Apologies in advance for a likely quite naive/thicko post. Having moved into my first property recently, I used the comparison tool and identified OutFoxTheMarket as having the cheapest deal (Fix'd Dual May25 12M v3.0). In rushing to get set-up I inputted inaccurate predicted annual usage information and the…
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.…
Best way to pay for care home fees
Hi I’m an only child and my elderly mother will soon be needing care at home and quite probably then go into a care home. She has a decent pension and some savings, so I know she’ll need to contribute towards most of the at home care fees and if she goes into a home she’ll be responsible for all fees, as she owns her…
Council Tax Band Changed Suddenly
Hello, I had a letter from the council on May 13th 2024 informing that our council tax was now being changed from a B to a C. The band has been a B since the house was built in the early 1980s and we bought the property in 2014. No changes have been made to the property since we have owned it. We challenged the change and…
Advice on renting a room for business
Hi, I wonder if anyone can give me some understanding of where I stand. I rent a room from a charity for my business and I also do some work for them. We have however fallen out and I have had to refer them to LADO and will no longer be working for them or hiring a room from them. They have consequently changed the payment…
Prolific Academic Survey Alerts
Here we go again.
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…
Target December 2026
.I don't have debts so that is a good start. I have added up commitments for the coming 20 months and this includes presents (basically my 4 kids, their partners and the GC, all 8 of them, for Christmas and birthdays.) On top of that I have some commitments I've made, some of this is some expenses for grandchildren that…
Euro Parking - PCN not received, Letter before Claim from Gladstones
Hello All, I received a Letter Before Claim from Gladstones Solicitors dated 21/05/2025 regarding a PCN issued by Euro Parking Services (date of charge 04/08/2024 apparently). I have received no PCN letters at all, this is the first I have heard of it. I am the keeper of the car but honestly cannot remember driving to this…
Problems with Parcel Monkey/Parcel Force
I booked and posted a parcel with the mention couriers which was supposed to be delivered on Friday to a friend of mine in London. Parcel Force have said the addressee has refused the parcel at the door and returned the package to Parcel Maonkey depot. My friend works from home and was at home all day and Parcel Force did…
Interactive Investor - calculation of 25% tax free cash when holding Index Linked Gilts
In common with many platforms, Index Linked gilts are shown in my Interactive Investor portfolio value at the clean price. Obviously, the market price is much higher. When I come to take out 25% of my portfolio as tax free cash, do the Index-Linked gilts get uplifted to the current market price in determining the value of…
Pay off all your debts by Christmas 2025!
Welcome to Pay ALL Your Debt Off By Xmas 2025 Firstly I would like to welcome all new and existing members from last years thread (New numbers will be allocated for 2025). Thank you for last year! Anyone is welcome to join this challenge and it is NEVER too late. There is also no amount of money too small or too large that…
MeandO's money-shuffling
Long time member here, sneaking back over from the MFW board... Previous diary here for those that want a back story: Money-shuffling towards mortgage freedom — MoneySavingExpert Forum Although my only debt is now my mortgage I've had to shift my focus from OP'ing to building up my savings instead, so don't really feel at…
Saving to help with children house deposits
Myself and my wife are in our early 50s and debt free, with sons in their early 20s. For last few years, have been saving in various isas, bonds etc with view to using some of this money to hopefully in the future help contribute to our sons' house deposits. Currently we have £100K saved but was wondering whether there's…
The 365 Day 1p Challenge 2025
This challenge has been running for a number of years and is so popular I have agreed to run it again in 2025. If you wish to join please post on this thread and I will allocate you a number which should be quoted when you update on your progress. You can do this either using cash in a jar or virtually by transferring to a…
Not sure how to start this , but here goes .
We have an interest only mortgage with 10 years left on it , the mortgage was sold to Intrum Mortgages with their rate of 9.05% , we are claiming benefits because I had cancer and i have other health issues , so we get support for mortgage interest . The monthly payment is too much for us to manage, we also found huge…
judgement issued-£1k+ -Unaware
Hello everyoneI received a claim form for £1100 for 5 PCN’s On the 19th of March. A judgement was issued on the 8th of April I was not aware of this claim or judgement till last week as I moved addresses. I have not filed a confirmation on the money claim website as it was too late that I was aware of the letter further…
I hate bidding wars
I know I have to accept that it's always going to be about money, but I have to vent. Just sold our house after back and fore as initially offered us too low. We end up accepting slightly less as we find a house we fall in love with. We are first to put an offer in. Two offers come in after ours. The seller 'doesn't want…
Soil Prep
I have rotavated without first lifting existing lawn (long story) subsequently removed visible grass and then raked and sieved multiple times to remove all visible grass/weed fragments. Can I now add compost and topsoil and proceed with laying new turf or do I need to wait several weeks and then spray with glyphosphate..?…
Capital Gains Tax
Wonder if anyone can help! My husband ( then partner) bought a house in 2010 with a mortgage in his name. We both lived in the property until 2013 when we bought and moved into a property which we bought jointly. At that point we remortgaged the original property to a buy to let mortgage in joint names and the deeds were…

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MSE News

Martin Lewis: How to call your bank with just three digits – as 'anti-scam' phone number called over a million times
One million calls have been made to the '159' anti-scam phone number since its launch in 2021, new figures reveal today (Wednesday 30 April). MoneySavingExpert.com founder Martin Lewis – one of the well-known faces most used in scams – explains how to call your bank by dialling just these three numbers.
Revealed: Holland & Barrett's supposedly cheaper 'Subscribe & Save' often costs more – it's promised a review after our investigation
Holland & Barrett's 'Subscribe & Save' scheme claims to offer regular shoppers "the best value" – but it failed to do so in the majority of cases MoneySavingExpert.com checked over a five month period. The retailer has now promised to review the scheme after our research found it was often more expensive.
Don't get your passport by post – 360,000 paid more than needed last year
If your passport is due for renewal, apply online if you can – it'll save you £12.50. More than 7 million Brits did just that last year – but over 360,000 missed out on savings by using a paper form instead, MoneySavingExpert.com can reveal.
Sainsbury’s Bank customer? NatWest takes over this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Chase customer? Check if you can get its newly boosted 4.8% easy-access saver
If you've got a Chase account, check if you can boost your easy-access savings to 4.8% – made up of a 1.8% AER fixed six-month bonus plus its standard 3% variable rate. Chase says over 2 million customers can get the boost, which would top our normal savings tables if it were open to all, though it's beaten by the top easy-access cash ISAs.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Martin Lewis: Is the £20,000 cash ISA limit about to be killed off? What savers should be doing now
Plans to cut the £20,000 cash ISA limit later this year are being considered by the Government. In his latest video, MoneySavingExpert.com founder Martin Lewis explains what's likely to happen, what the changes would mean for savers and what you should be doing now.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from 1 May. For most, this means little change for now as the Sainsbury’s brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, you'll need to move any excess elsewhere to ensure your cash remains protected.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
From Thursday 1 May, Sainsbury's Bank credit cards, loans and savings accounts will be run by NatWest as part of a deal between the two banks. You'll be moved to NatWest in the future, likely towards the end of this year, but for now the Sainsbury's Bank brand will remain and you can continue to use its products and services as before.

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