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Rate switch now or wait???
I’m currently on a 1.6 rate ending in May. My plan was to potentially leave this for a few months on tracker as from what I’ve heard rates may go down. Now, jeez Louise!!! I’m in a panic as are lenders increasing their rates because of the current world situation? If it looks like it does do I risk fixing it now, and for…
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What's going on with Agile prices??
Hi I've noticed that in addition to the 63p a day standing charge, the prices for the whole day on agile have been significantly higher the the price cap for going on at least a week, highest price today was 50p/kwh with the potential to hit a £1/kwh, not only that the peaks are getting longer. Obvs i expect higher prices…
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MSE News: Martin Lewis: 'Stop people on Universal Credit being blocked from switching bank'
Millions of people on Universal Credit face a complicated and bureaucratic bank-switching process that could prevent them accessing accounts and deals, MoneySavingExpert.com (MSE) founder Martin Lewis has told the pensions secretary in a letter sent on Friday 12 December. Martin has urged the Government to look into a…
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How & when do you stop running your winners?
I'd been thinking of de-risking for a while and last year when Trump did his April tariff thing I decided I didn't really want to be hanging off every word he said so after the initial bounce-back it was the catalyst to sell what was, at that point, a 100% FTSE Global All Cap ISA down and reinvest in equal amounts of the…
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Probate Application - figures requested on Probate Application differ to IHT Online Checker
Once we have done the Online IHT checker, it comes out as no IHT payable - which we expected. The printed calculation to accompany the Probate Application shows the same figure for Gross and Net Probate Value. However, after putting in these figures, the calculation throws out a different Net Value. We can identify the…
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DCB Legal claim on behalf of Met parking, Overstay
There was an error rendering this rich post.
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SIPP upper limit
So I contribute towards both a civil service scheme and also a SIPP. I know that the limit for the SIPP is £60k or my annual salary, whichever is higher. My question is whether I also need to take into consideration my contribution to the civil service scheme in the £60k. Do I need to include this (yes/no)? If I do need to…
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O/S Daily Saturday March 7 2026
Good morning all.
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Driving Licence
My Brother in Law sent his Driving licence for Renewal (75years) to in to DVLA begin of Jan 2026 End of Feb he rang Swansea to make enquiries' as to new ones whereabouts but the Staff refused to talk to him as they said his Post Code doesn't exist, he has only lived in his house 35 years He has been told they cannot open…
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Pensions advice - Can't top up workplace pension need private pension? Not sure what to do?
Hi, my son is 25. He has a workplace pension with Nest (no choice). His employer is paying the minimum contribution and his employer wouldn't match any increase he makes to his pension. He can't make any increases to Nest through his employer (they don't even acknowledge his questions about this). So, he has been looking…
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DMP or Not?? Confused
Hello, DMP or not
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Pension credit what is counted
hello I was wondering if pension credit has the same system for calculating capital as UC - that income is disregarded in the assessment period it is paid. I am wanting to apply but have no idea how this income/capital works and thresholds etc as if everything all the time is capital I would keep dipping in and out. Thank…
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Parking ticket while sitting in car trying to pay for parking...
Dear all, I am in need of assistance please. I parked in a pay and display bay on the street after read the sign, then spent a few minutes downloading the correct app for that council (in London). After registering for the app, adding my payment and car details a parking attendant took a photo of my car and gave me a…
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Santander/Cahoot sites under maintenance for 29 hours (apparently!)
I don't know exactly what you'll be able to do or at which times, but this epic period of 'overnight' disruption is 'overday' too!
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Best use of leftover company net profits when plan is to buy? SIPP? SSISA?
Every FY I can do the following: Max out basic rate dividends (37.7k) Pay myself salary to cover NIC (12.5k) Max out LISA (4k) Invest in SSISA (8k) and then usually have about 100k net profits left in my company accounts in a 1.4% AER savings account (after corporate tax, vat, and paye tax is all paid) My short term goal…
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Gifting no claims discount.
Our car is insured by my wife with myself as a named driver. This dates back to when she got a car over 30 years ago and I had a company car. Since I retired 14 years ago we only have one car. In recent years I have done almost all of the driving due to her health issues. She no longer wishes to drive although she retains…
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Three parking fines at Tesco Hove by Horizon
I have recently received THREE PCNs from Horizon. I am the keeper, not the driver. I have successfully appealed on the PCN issued on 13th Oct 2025 for a parking event on 23rd Sep 2025 (the first parking ticket, received by post around 20th Oct), quoting their PCN was not compliant with POFA and also attached a shopping…
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Few small issues with water in new flat
The flat I just bought has been vacant for over 6 months, I turned the heating on and quickly realised the boiler pressure was at 0, which I have adjusted and is now working fine staying between 1 and 1.5. 2 of the 4 radiators get red hot very quickly, but the other 2 don't warm up, I can feel a very tiny bit of warmth at…
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Specsavers Ruislip – VDU Voucher Scheme Feels Like a Scam
I want to flag an incredibly frustrating and frankly shady experience I’ve had with Specsavers in Ruislip, and see if anyone else has been through something similar. Last year, I had an eye test there through my company’s eye care scheme – you know, the vouchers meant for glasses used when working on screens (VDU use).…
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Immersion heater (smart?) timer
Hi all, We'd like to stop using our gas boiler to heat our water, and use a pre-existing immersion heater during times when electricity is cheap (we're on Intelligent Octopus Go). Setup is in the picture: What's the best (and most cost-effective) product out there? Would it just be a case of swapping the current "dumb"…
