-
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!
-
Rate my SIPP - ITV high conviction
A note about diversification: I know it’s important. I’ve done it all my life. Had plenty of bits and pieces of ETFs like VWRL. But sometimes you have to just go for it. That’s what high conviction means to me. “Diversification may preserve wealth, but concentration builds wealth. - Warren Buffett A note about dividends:…
-
Esa support group to UC help
I am my daughter's appointee and have done the form for UC under migration. She has no photo id. It came up and said we would get phone call now I have an appointment at jobcentre for me not her with a list of what's needed and I also have no photo id. I can't get to the jobcentre I have hurt my back and can hardly walk…
-
London Aquatics Centre - Parking Eye - Urgent Defence
Hiya, I received a claim for parking in a leisure centre car park from Parking Eye. I do have a strong case as I did pay (proof shown on my wallet on my iphone). But upon getting the PCN I checked my actual bank statement and saw it did not go through. Possibly a fault with the system but anyway I think I have reasonable…
-
You won't have to repay your credit card balance?
Hello everyone. With my work, personal health and then a family member seriously ill my finances took a hit. I went from living on credit cards to finally being unable to pay them. I wrote to explain my situation and complain about the constant rises in credit limits which shouldn't have been applied. After basically being…
-
More money requested as a condition to complete the work
Newbie here, with a Roofer issue. Thank you for reading, sorry this is long. We accepted a quote of £27500 for ridge tile work to be done on our roof, work on Fascias and guttering and had express the wish too have the scaffolding erected so I could paint our windows this was accepted as it made sense. The quote specifies…
-
Transitional protection payment when migrating from ESA to UC
Hi I am the appointee for my daughter who does live in Supported Living. I have just completed the swop over to UC for her as she is unable to do this. We have no problems with Housing Benefit as this is paid by the Local Authority. However, on my daughters first statement the amount she has been awarded is lower than what…
-
USS - best options when a terminal diagnosis is received?
Hello A friend has a terminal diagnosis and is seeking to maximize their USS pension. Does anyone know what the potential options are because time is limited. Thank you.
-
G24 & DCBL - Parked Outside Marked Bay - Aug 2019 - Defense
Good morning all. I'm looking for advice on which approach to take to defend a parking ticket from 2019, which I have now received a Claim letter for. The story so far is: Wife parked the car, of which I am the registered keeper, over the white lines of a Dunelm Mill car park run by G24. This resulted in me (not the…
-
Should I use disabled bays in Tesco?
My wife has difficulty in getting in and out of the car (She's 80 years old with sore hips) She is not eligible for a blue badge. This is in Scotland. Because of this I park in a disabled bay at my local Tesco because the normal bays are not wide enough for her to get out if a car is parked in an adjacent space. Also they…
-
Slow Living - Doing It Old Style!
It's a bit early to be starting this thread but it's the last day of 2023 that I will have the time so I'm doing it now! I have decided that 2024 is going to be the opportunity to put into practice all the things that I have thought about, wanted to do and dabbled with in 2023. I have a few diaries on the forum which touch…
-
Lloyds Bank Rebranding
I couldn’t find original thread so if there is one please point me to it thank you! My app was updated to the new logo (early This year) along with my Debit Card! The website & Order statements section has been update (Early This Year) Just Very Recently PDF Statements has the new Rebranded logo on it! Here is picture…
-
Small Building Societies - good for awkward situation?
DD and her partner have found a property they'd like to buy. He has a Lifetime ISA, and it seems that there's a good chance that they could get the nominal price to be £450k. However, he is currently a PhD student, so on a stipend. Even though he earns more than DD (who's got a "proper job") the rules that lenders work on…
-
First time buyer, low income
Hi all, I'm relatively old to be a FTB as I'm 42 with 3 semi grown children. We live in Scotland. We currently rent our flat from a private landlord and have done for the past 13 years. Lately I decided that as I was settled with my job etc that id like the security of owning a home plus we have sort of outgrown the flat…
-
TV licence Threatening letters in new flat.
My son has just moved into a new flat and there were loads of threatening letters to the occupier of the flat about no tv licence being registered to the flat. He is a student and only has student loans and savings to live on, I can't believe students aren't exempt but that's another issue. My wife thinks he should just…
-
Is this turn on or off?
After boiler repairs, it seems to be sweating. Just wondering whether he has been left open position? Thanks
-
The New Top Easy Access Savings Discussion Area
This thread is for discussion of the Easy Access Savings Guide A previous version of this thread which ran from Nov 2007 to June 2024 can be found here: https://forums.moneysavingexpert.com/discussion/596724/the-top-easy-access-savings-discussion-area/p1
-
Big Motoring World £750 EV offer
Hi All I purchased an EV from Big Motoring World with PCP finance to take advantage of the £750 offer they have. T&C here https://www.bigmotoringworld.co.uk/news/make-the-jump-and-go-electric-with-this-limited-time-offer/ I'm happy with the car, but only took the finance to get the discount. This was a few days ago so I'm…
-
Can an GIA become negative?
I have recently done a referral on Monzo for a GIA. Basically they have given me £10 for free to invest in their GIA. Very straightforward. I don't really care about the money so I am just ignoring the account but my question is.. can this account actually go into the negative making me owe them money? I know that stocks…
-
My Off-grid and need to be frugal diary
New year, new start - trying to save in 2025.
