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Renters Rights Act 2025 - an overview
I thought this article might be helpful in outlining some of the changes being introduced by the RRA 2025. Note that some elements are not being brought into force immediately.
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Not a full state pension plus a private pension
My wife is turning 70 this year, she has a civil service pension but only a partial state pension because she refused to fund more into it when she finished in the civil service at age 40. So her total pension comes just above the current income tax threshold for paying tax. With the current government plans to ensure…
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I'm back, still struggling along, still frugal
H everyone, It's been ages I know and the forum has changed, but my posts were getting really boring as nothing really changed very much and to be honest I was getting bored writing the same old things. Anyway I thought I'd start another thread as its coming up to winter and like most basic OAP's I'm expecting this winter…
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UKPC late delivery?
Hi guys, quick one. PCN from UKPC. Contravention date was 10 January, letter delivered today on 26 January 2026. That is 16 days, would that be classed as late and therefore not applicable?
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Preparing for an interview with an adviser
I know next to nothing about pensions. I may be lumping together two pension pots together to create a drawdown pension and start drawing from it. What sort of questions should i be asking? Initial fees, ongoing fees, cost and charges, fund management fees etc, anything else? Can i defer my 25% tax-free lump sum and take…
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Wheres Stardrops Gone?
Hi Folks. Have finally run out of a bulk batch of Stardrops original and green version that I bought years and years ago on the advice of this forum. It really has been great, effective on nearly everything I have tried it on and a real money saver! Before Christmas I started looking about to "restock" but can not seem to…
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Credit card for students
Hi, I'm a full time student at university. I have a maintenance loan as income and savings. I'm looking for a credit card to improve my credit rating. Any ideas.
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Balance Transfer Card for Next Account
Hi all! I’m autistic so bear with me, I tend to just write things as they are in my head so I hope it makes sense to at least one person :D I’ve been pre approved a balance transfer card at 0% for 31 months with £3000. I’m wanting to use this to pay off my Next credit account faster which is at £3000, its interest is 24.9%…
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Parking codes for Belfast International Airport
Has anyone seen any recent parking promo codes for the airport carparks themselves - normally park in the main stay? Will need the main stay due to passengers having mobility problems. Usually keep my eye out for codes but haven't seen any for some time. Thanks!
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Dishwasher fit - too much pipework?
I'd like to buy a dishwasher but there's a lot of pipework, at considerable depth, in its slot (see photos). This is where the previous owner had a dishwasher - which looks like a standard size based on its height and width (seen in my photos from house-viewing) and it didn't stick out. Without the pipework, the dishwasher…
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Approaching 60 Riddled with Debt SWF
Hi Ive been here before but I will start with my new story I am Fay 59 approaching 60 in April, around 38k in debt, paying Peter to pay Paul, Live single but have sponsor a Ukraine. I became single last Feb but he didnt pay his way most of the time so I ended up using cards then consolidating with two loans and spending…
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Hisense TV - Poor WiFi signal
Hello all I have a Hisense 58 Inch 58E6QTUK Smart 4K UHD HDR LED Freely TV and it works absolutely fine. I bought the TV at Christmas 2025. However, I am noticed that the speed on the TV for the Wi-Fi is nowhere near the speed which are shown on my other devices such as mobile phone or Xbox. My minimum speed for Wi-Fi is…
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Move money from easy access ISA to Marcus 1 year fix at 4.55%?
I'm retired and most of my savings are in ISAs with not so good and likely to fall interest rates. I've always thought the ISA money is there till I need it but at this point does it make sense to lose it's tax free status and move some to make more in the Marcus? I do pay tax on my state pension because I didn't take it…
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Looking to buy a new car
Hi all I will probably come across as naive but I need some help from the good folks here. I am looking to buy a new car after horrific experiences with Toyota and their hybrid cars. I am looking for a reliable automatic Hybrid car similar in size to a 2022 Yaris with security features like reverse camera, lane assist and…
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Bank Park ANPR missed my car leaving and coming back
Hi guys, My partners apartments have private parking on site which is managed by Bank Park, you are allowed a 30 minute grace period in vehicle on the site for dropping off and picking up residents, which we take advantage of regularly and then park elsewhere due to there being a waiting list on purchasing a space. The…
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montford & co
Has anyone had had dealings with Montford & Co? My wife ordered some clothes which were slow to arrive and when they did arrive, were of poor quality. Obviously she then wished to return them only to find out they expect her to return them to their warehouse in China (the cost is prohibitive). Montford appear to be Uk…
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OVO saying my daughter cannot move off Economy 7 - is this correct?
Hi, I hope someone can help me. My daughter is a student and moved into her flat thsi weekend. She called OVO as they were supplying the flat and was immeadiatly told by customer services that as they did not have her DD details they would be blacklisting her for the the £7 electricity showing used on teh account since her…
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MBNA credit card for 0% purchases
I am eligible for an MBNA credit card no fee, 18 months 0% purchases but only for first 60 days after which normal interest charges apply. I have not come across this type of promotion before I have a couple of large purchases to make which would get inside the first 60 days and more or less get up to my credit limit. If I…
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SIPP or not
Dear Forum Friends, I wanted to pick your amazing brains. 1. Hitting 47 soon, if I open a SIPP when can I access the money 2. Which SIPP provider will you recommend? 3. If I pay sum I earn above £50k into a SIPP, will this mean I only bay 20% tax and in 10years access the amount saved, circa about 10k pa? 4. Is the age 55…
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Octopus EV charging rip-off coming end January
The great Octopus EV charging rip-off. Octopus Energy are one of the largest suppliers of domestic energy in the UK and have introduced a clever system of providing EV charging at low cost – Intelligent Octopus Go. Their algorithm decides when and how fast to charge your EV to spread the load and take advantage of cheap…
