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Car insurance cover - giving people lifts to church
Just received a note from our church HQ that members may not be covered for giving lifts to church. Now obviously not covered by standard policy if done for private hire or monetary gain, but simply giving a lift to a friend (or even to Mrs K!)? Is this correct? If it is, the logic would be that drivers cannot give anyone…
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Lidl app problems
Is anyone else having problems with their coupon plus spend bar on the app? My spend has gone backwards! I shopped there on Monday and I should now have spent enough for the 10% off coupon but it hasn't updated. I checked on the website and it says to wait 48 hours and then contact them if it hadn't sorted itself out. I…
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Is Shop Pay safe/legit?
There's something I'd like to buy online with my credit card but the only option in this particuar store is to use Shop Pay. I've never heard of it, and googling doesn't seem to indicate anywhere I can look to tell me whether it's legit. Is it safe/legit? If so, how do we know that?
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Progress is...
Starting a Mortgage Free Diary!
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Benefit of Gazette & local paper notice
With a simple estate what’s the benefit for joint executors, who are the two children of the deceased and also the sole beneficiaries, in placing a notice in The Gazette and the local newspaper? A notice might reduce their "executor" risk but given they are also the beneficiaries the risk remains with them anyway. I can…
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Turning Straw into Gold: Creating Long Term Security & A Solid Home
Hello, I am joining you on the debt free journey, for a couple
of loans that are giving me anxiety and also my mortgage. I have been reading
these diaries for inspiration and it’s time to start my own. I hope to get to
know many of you as time goes on. I moved into my home last April and I have some
loan repayments that…
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O/S Daily Sunday March 22 2026
Good morning all.
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NST March 2026: The Turtles are revolting!!!
NST March 2026: The Turtles are revolting!!! Revolution is not usually a spontaneous re/action. It builds up over time, until it spills over, and enough is enough! It is a fundamental transformation and requires planning, focus, energy and a final goal or two. This month, the Turtles are revolting! But what are we…
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Section 75 claim for working system but poor workmanship
I had a towbar fitted to my campervan. It developed a fault, but my main problem is the quality of the wiring install. It's a Fiat Ducato van so the battery is under the passenger footwell and it's access panel is walked on whenever you have a passenger. The installer had laid the towbar control box on top of the battery,…
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2026 Fashion On The Ration Challenge
(The Fashion On The Ration Challenge is about restraining our shopping impulses and buying the clothing we need as well as what we want. As @Laura_Elsewhere said "If this group is about anything, it's about understanding how we buy and what we buy and when we buy...". After some discussion, it was agreed that the 2026…
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Investing in Us: Holidays, Health, and the Road to £150k
New diary for 2026 (I know I am a little early)! The last year has
been so up and down for me, I would like some fresh energy and a new
focus. If anyone is following me over from my old diary, then they
may know I moved house end of 2024 and upped my mortgage from a
comfortable sub 100k to approx £120k. Then this summer…
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DCBLegal + total car parks ltd - witness statement stage (submitted)
Hi all, I have followed all advice thus far on the forum including all the legal stages. I have now submitted the witness statement promptly. It wasn't the usual 14 days before the hearing deadline. So I've submitted before the date given but I have not received WS from the claimant at all. Is there anything I need to tell…
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New Storage Heater Query
10 year old creda storage heater went on the blink despite electrician replacing thermostat & cut off switch Was either to hot or too cold every morning .Bought a new modern one ecostrad magma 3.4 kw. Obviously works on the reduced economy rate charging during the night. Early days trying to get used to it, & programming…
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Barclays Premier account £400 switch offer (17/02/2026 to 30/04/2026)
Barclays have launched a new switch offer for their Premier account. Excludes anyone who has ever received a switching bonus from Barclays or anyone who has had a Barclays current account open on 17th February 2026. 😥 T&Cs. This offer has been added to the archive.
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Holiday apartment let & GDPR
OH and I decided to go to Spain for a little break. We booked what appeared to be an 2 - room apartment with a kitchen on trip dot com. The booking was not refundable. The day before arrival we were contacted by someone who introduced themselves as "a manager" on whatsapp asking to send them passport photographs, UK…
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WWYD? Request to loan in-laws money
DH and I have been together for 20+ years and do well for ourselves. We have a fully offset mortgage which is close to being paid off, but we haven’t as it gives us the flexibility to withdraw against it until DH turns 70 (deadline to pay off). We will need to do some renovation in the next couple of years so will borrow…
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IHT435
I am finalising my paperwork for submission to HMRC. My mother died in 2002. My father died in December 2025. He did not remarry. His will leaves everything to my sister and I split 50/50. I am in the process of claiming a transfer of the Residential Nil Rate Band from my mother for my father's estate. Her estate was less…
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The Cutting Down Alcohol Challenge for March & 2026 :)
Welcome to the Cutting Down Alcohol challenge for the month of March and for 2026! This challenge is all about helping people cut down or even give up on their alcohol consumption, mainly for health reasons, but it can also save a lot of money, because the cost of buying alcohol really mounts up over time and sometimes you…
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Resourcefulness: The budgeter's friend
Happy New Year to readers old & new! Well, it's time for a new chapter. My old diary ("Put away your purse & become debt averse") achieved pretty much what I intended. I shared the story of how I got into debt at the age of 19 & stayed that way until a pretty enormous lightbulb pinged on during my early 40s, I've shared…
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Thoughts on Humax Aura PVR?
We have an older Humax Freeview recorder that is starting to be unreliable. The Humax Aura is a possible replacement, but I see several user reviews on both John Lewis and Amazon that say it is best avoided. As usual there are the "best thing since sliced bread" vs "don't touch one with a barge pole" reviews, anyone got…
