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Income tax avoidance
I would like some assistance from the board experts there are many on here I will be seeking advice as well I’m currently in a conundrum about not wanting to pay income tax or inheritance tax in the future Currently got HL Sipp 99k in cash drawing down each month enough to be £12000 this tax year L&G pot worth 400k…
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Smart Water Meter - not an option?
Hi, We've been looking at switching to a Water Meter - we've run the numbers and think we'll be better off, especially after a recent £20 a month increase, meaning our bill has more than doubled over the past couple of years after a prior £20 increase. Water is expensive...and we've had a hosepipe ban for months. By…
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Dental Insurance Policies - can dovetail two policies?
I've spent ages staring at the spreadsheet I've built to do the cost modelling for covering my family for private dental insurance. My dentist doesn't use Denplan but used to offer a private equivalent, until this changed recently. As a minimum I want to cover as much of the cost of routine checkups and hygienist visits as…
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Getting ready for next mortgage - question about CC debt
Hello, I have a question regarding getting my finances ready for a potential mortgage application in the near future, 6-12 months from now. I am in full-time employment and over the last few years have also operated a small weekend business online as a sole trader. Over those years I used a number of Personal credit cards…
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Simplifying Food: simple no fuss meals
I'm not a massive fan of cooking. Seems a lot of faff just to fuel the body. Plus all that washing up after! My favourite meals seem to be simple, English traditional stuff. Cottage pie, roasts, casserole etc. With the crazy cost of food, I'm looking to find some simple, no fuss tasty lunches and dinner. Probably around 10…
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Relevant land - railway parking - definition amendment
Railway land to become relevant land. This was mooted ages ago but I just stumbled on the draft POFA amendment 2025: https://publications.parliament.uk/pa/ld5901/ldselect/ldsecleg/178/178.pdf https://www.legislation.gov.uk/ukdsi/2025/9780348274721
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Dubai short stay
Me and my husband are thinking of a quick trip to Dubai in a few weeks time. We can't take long off work, so would have 3 full days there plus travel time. Looking at hotel sites, and the options are overwhelming! I've been reading up, and it sounds like the Marina area or the nearby JBR beach area might be a good area to…
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Money Moral Dilemma: Should I ask my lodger to pay more rent because she regularly has guests?
This week's MoneySaver who wants advice asks... I have a lodger, and she largely has my house to herself as I'm often away. I have several security cameras that she's aware of, and on reviewing them, it's clear she often has guests over to stay. While I'm not happy about having random people in my home, she's otherwise…
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Buying a retirement flat to renovate before selling current home
Hi there My parents would like to move closer to me. They have put an offer in on a retirement flat which they can buy from cash reserves. The plan is to completely renovate it so they can move in when it's ready without the stress and sell their main property in a separate transaction later. I understand they need to pay…
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Nationwide Regular Saver
My Nationwide regular saver matured yesterday and today it is showing as an instant access saver. However, when I tried to open a new one today I am told I cannot open a new one as I already have a regular saver. How long do I need to wait? One year ago I had no problem opening a new regular saver the day after maturity.
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What does the ignore feature actually do?
I assume it doesn't block, otherwise it would be called block, not ignore. Request un-ironic answers only.
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Cleaning misted rear indicator covers
What is the best way to remove the slight opaque misting on these plastic covers?
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Is it possible to dump Lebara just before reduction and sign up again later?
I am finally getting ready to dump Sky Mobile Lebarra seemed to be the best option but I have a question... If I take out a Lebara month to month contract with say 9 months at a reduced price and 3 months at a higher price, can I switch away in month 8 to Spasu for a month and then sign up with Lebara again on the same…
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Car hire pick up
I have just reread the cheap car hire section on this website, and noted that there is a paragraph concerning returning the car which mentions the importance of returning it on time. However there is no advice concerning picking it up. I used a comparison site to identify the car I wanted to rent at Rome airport and put…
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Here Goes
So, I have been lurking for a while now and seeing everyone else make progress has spurred me on. I'm 38, with a 7 year old daughter and a dog, her dad lives abroad and flits in and out. He doesn't contribute anything financially. I pay every bill, activity, Xmas amd bday, but when he does visit he helps with pick ups etc…
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changing to Universal Credit
hi I am appointee for my Brother. He has Downs syndrome (58), he has never had paid work. I have had a letter saying that he is migrating to universal credit. I have a day off work this week so I am going to find time to call. What information will I need to hand? is it difficult to get through to the freephone number…
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66 month old debt advice
My wife received the attached letter from Kearns Solicitors, claiming on behalf of their client LC Asset, who are some form of Link Financial. The original debt was a £50k loan from Barclays. She defaulted on this loan in April 2020, so she is now just over 6 months away from it being statue barred. There has been no…
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Transferring ISA
Good Morning. In September 2024 I took out my 1st ISA(1 year fixed rate cash ISA) and deposited £20,000. I have made no further deposits and the account matured yesterday. I have now been put on a low rate easy access ISA. My question is if I decide to open a new ISA with my existing provider and transfer the £20,000 to…
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Scotrail on board upgrades query
Has anybody any knowledge of upgrading a standard Scotrail ticket to first class on board the train? Does this work out cheaper than booking in advance? On the Scotrail booking page there is a substantial difference in price.Last Friday I went to Edinburgh by train and while I was there I found I had to book an earlier…
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Moorside LBC - any advise/reassurance greatly appreciated
Hello, I’ve got 10 days left to respond to a Letter Before Claim from Moorside Legal. I’d been putting it off because I was just going to pay it, but a friend suggested I look into it properly and check out this forum first. The amount they’re asking for is £340, but there’s no breakdown of which tickets it’s for. The only…
