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Adding guttering to a Tiger garden shed
I had the above Tiger garden shed built/installed 8 years ago. My neighbour only added his fence much more recently. He has now said that, in wet weather, rain is causing his new fence to rot. He wants me to get it moved to the left but it is on a concrete base. Has anyone solved this by adding guttering to the shed or is…
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Faulty clutch
I have a 72 plate Peugeot 2008 with 18.5k miles on it which I purchased from the local dealer 9 months ago, it came with 6 months warranty and I paid £899 for another 3 years. lately when the car gets hot the clutch becomes quite heavy and I asked the dealer to look at it 2 weeks ago whilst in for a service and MOT and…
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Selling/holding funds for/in drawdown
Apologies in advance if this is a much answered query and I've just not got the terms right when searching the forum. My SIPP is almost entirely invested in Vanguard Life Strategy 100%. At a point in the current tax year when I think the fund is reasonably high I sell an amount equivalent to what I want to take out in the…
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Keeping on the Straight and Narrow...
Well here goes, my first diary...After being an avid lurker both here and on the MFW boards over the years I have been amazed and inspired by the success of many individuals and the support of other forum members so hoping to do the same. So why am I here? In the 6 years since DH and I bought our home we have undergone…
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Settling in for the long haul
After avidly reading others’ diaries over the past five years, it feels like the right time to shuffle in and create a cosy little corner of my own. Following the example of those much wiser, I have cleared a large amount of debt, including a hefty overdraft, student loan, credit cards, bank loans (that were consolidated…
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Using a lot of your credit limit, but paying it off immediately?
Clearscore says that using more than 70% of your available credit is a bad sign. Does that still apply, if you pay it off immediately, ie. before the statement arrives?
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Thank god we paid the mortgage off
My previous diary was pulling my frugal pants on. I decided to start a new diary because, well because our new start that we had planned isn’t going to happen. So dad’s house sale finally went through and we’d decided that we would use my inheritance to offset OH dropping a day at work. Money would be tight but doable.…
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Cancer, cash and carrying on
I've been on this board for a while and it was invaluable while I was paying down debt and navigating finances while working and juggling 5 children. We followed the Dave Ramsey plan loosely to get us where we wanted and the last year or so we were trundling along comfortably. Unfortunately, a breast cancer diagnosis has…
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Kingston hospital parking ticket
hi, I was wondering if I could get some help with this please, as I'm not sure if an appeal is possible. The driver took me to hospital due to an emergency and even though there were people without disabled badges in disabled bays, it wasn't possible to get anyone to move. I'd collapsed once and then did again in the…
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Octopus Agile
Is Octopus Agile worth changing to if all you can change to cheap hours is dishwasher and washing machine
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Octopus saving sessions
And it is on You have to opt in to take part !!
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Capital was in my to do list but it doesn't show in my journal
I saw that and uploaded my capital, I also wrote in my journal and sent them copies of my capital by post. I thought they opened on the weekends? Has anyone experienced this? How comes it's not in my journal as completed?
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Moving on
Welcome to my new thread: my old one is here: Cherry takes the reins — MoneySavingExpert Forum and my very old one is here: Coffee and chocolate — MoneySavingExpert Forum Quite a lot changed in 2023, and now it's time to move on. I left the job and career path I'd followed for many years and don't feel I can or should go…
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Anyone have experience of Axle VPP
As the title, does anyone have experience of them?
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Weekly Flylady Thread 5 October 2026
Welcome to the weekly Flylady Thread. What is FLYLADY? Well, it's our version of the US flylady idea - but we work on the principle that housework is not fun, it's boring, can be time-consuming, is often thankless but, unfortunately, necessary. It's here on Old Style to provide the support we all need and to make the whole…
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Renewables: "talking 'bout my generation"
Please forgive the corny thread title inspired by The Who but this post on the bloated 'how do I make the most of it' thread prompted me to initiate a new one... Well, there was yet another misty and bleak start in North Notts today (Thursday), but my SSW 3.92 kWp system was generating around 3kW for just a few minutes…
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Debt and Caring
An unprovoked attack on my ankle by a metal workout bench has me lying down with a foot up this evening. Which makes this the ideal time to start this diary. And possibly to declutter some exercise equipment... Yesterday I was £9993.61 in debt. Today I have made a £1500 payment to one of my credit cards taking me down to…
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Moving on up! 🏡
As of this week, I am mortgage free! Unfortunately, that won't be for long. I currently live with DH and our 3 dogs in a one bedroom semi-detached bungalow with no garden or parking. It's what I could afford on my own when I first moved in back in 2019, but now it's time for us to save and move up the ladder. Ideally, we…
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Worrying slowdown in the sales Heat Pumps in 2026
https://www.gov.uk/government/statistics/heat-pump-deployment-statistics-june-2026/heat-pump-deployment-statistics-june-2026-summary Any thoughts on what has caused the decline in adoption?
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22 Foxhole East
I just made my first mortgage overpayment. We bought a 5 bed Victorian terraced house in the East Midlands in April 16 that has been badly neglected. It needs everything doing, it has been let out on a room by room basis and used as a rental machine. Now it is our family house (4 kids = one bedroom each!!). So far I have…
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EDF seems to have a good electric tariff ??>
Hi, i am shopping around as you have to nowadays for a new electric supplier, as i just got a 20% raise in off-peak & a whopping 39% in normal rate. Then i came across EDF prices & there EV tariff seems ok compaired to others. Do you know if I can charge my home solar batteries up on this tariff ???
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PRA (Barclaycard) debt
Afternoon all, I have had a read through a lot of the topics and it’s a great resource and full of great advice. I’m hoping for a bit of advice with my situation. I got into a bit of trouble back in 2018/19, leading to missing payments and subsequently defaulting on a few credit cards and a loan. I have since paid off all…
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The Cutting Down Alcohol Challenge for October & 2026 :)
Welcome to the Cutting Down Alcohol challenge for the month of October 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…
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Universal Credit - Deprivation of capital (Credit Card Debt)
I went on UC a few months ago, before applying I had about £20k in my bank but had credit card debt of around £9k, I read the UC legislation about paying off debt "(2) A person is not to be treated as depriving themselves of capital if the person disposes of it for the purposes of— (a)reducing or paying a debt owed by the…
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MeandO's money-shuffling
Long time member here, sneaking back over from the MFW board... Previous diary here for those that want a back story: Money-shuffling towards mortgage freedom — MoneySavingExpert Forum Although my only debt is now my mortgage I've had to shift my focus from OP'ing to building up my savings instead, so don't really feel at…
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5 OS pleasures in your day today - part 3
Ok I'm diving in as I've noticed several of us have lost posts we thought had posted, and there now seems to be a serious risk of losing the whole thread. So thanks for the heads up Karcher. (and i sympathise Frith - i too like to nip back) I've revisited the first thread of our part 2, posted 28th October 2009. It said:…
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2026 DECLUTTERING CAMPAIGN Mrs SD - our Year of Redistribution
To use Guineapigsqueaks/Sa1sysoo words “A new thread for declutterbugs in (2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025) 2026!" My 2025 has been another washout on the decluttering & decorating fronts as my Decluttering Mojo went ‘walkabout’ presumably as a reminder that I should Plan Ahead 😔 A better year…
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Watty's Awakening
Time for a new diary I think. It is 2024, my last diary began over 10 years ago and so much has changed. My introduction in case we have not “met” My first diary told the story of, what I thought was a long and
happy relationship, paying off a mortgage aiming to get my financial freedom
from the world of work by paying off…
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Still waiting for Shein refund
I am having to keep messaging Shein, as I returned a pair of sandals on 23rd Aug and it says they were received on 26th Aug, but says awaiting warehouse pick up. It’s now 9th Oct and I haven’t had a refund. It’s not a huge amount but is there anything I can do? My latest chat message to Shein says it has been escalated and…
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National Parking Control (NPC) Parking PCN – DCBL Ltd - No Permit – Ambury Road South, PE29 - LoC
Firstly, thanks in advance for any help provided! I had originally posted this on FTLA, but I understand now that the MSE forum may be better suited for this. I have read the newbies forum, but a mistake was made earlier, and now there's worry that it's messed up any hope for the PCN being cancelled. It was advised that…
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Payment a Day - Chapter 2026
Small Payments. BIG Impact. Making a small (or large) Payment a Day (PAD) - or whenever your budget allows - towards debts or savings all adds up really quickly! And can change your financial future... Hey everyone, Welcome to the Payment A Day - Chapter 2026 challenge! (this will start from 1 January 2026) We've decided…
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Progress not Perfection
Happy New Year! I thought it was about time I started a new diary. I've been on these diaries since 2008. My last diary is here Things
can only get better My first diary is here Champagne Lifestyle Lemonade Budget and the one after that here Looking for the Silver Lining. That's a hell of a lot of waffle over the years 😆…
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Assure me
I am 57 years old and want to retire now due to hating my workplace. I have a pot of 640000 invested in a smoothed pru fund. I need around 35k a year from now to state pension at 67 then drop it to 20k a year plus SP. Mortgage free. Is this viable to go NOW !!
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Home Bargains Cannon Ln, Tonbridge TN9 1PN - PCN from Group Nexus / CP PLUS
Hello, I certainly didn't expect to find myself here asking for the best advice… however… My wife and daughter are both registered disabled and have their own Blue Badges, this is a regular shopping and coffee location for them. On a previous visit to this exact location my vehicle was issued with a parking charge for an…
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MSE News: Halifax bank brand to be replaced by Lloyds – what it means for you
If you're an existing Halifax customer, you'll soon become a Lloyds customer instead, as Lloyds Banking Group – the parent company of both – has announced it's scrapping the Halifax brand completely over the coming months. Here's what you need to know… Read the full story:…
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The Cashback for Bank or Investment Accounts Discussion Thread
What's included in this list? This is a list of cashback offers that might be of interest to forum users, focusing on: * Savings accounts including ISAs; other bank accounts may be included too * Investments including pensions, but note there’s already a related thread on the Pensions board * Offers you can get in addition…
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October 2026 Grocery Challenge
Welcome to the 10th Grocery Challenge of 2026! As always this challenge is to reduce your own grocery budget to levels that you will be pleased with, not forgetting that we always recommend that you stay inside your own comfort levels and take things gently one step at a time. Remember that this is not a…
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Replacing indoor lighting motion sensor with a remote control
Is it possible to do the above? The lighting in question is six recessed ceiling GU10 lights, controlled by a motion sensor in the middle of the ceiling. As expected, these lights come on during the day when someone walks into the utility room, which also has a ceiling skylight. This is a waste of electricity and is…
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Money Moral Dilemma: Should our neighbour give back some of the money we paid for the garden fence?
This week's MoneySaver who wants advice asks… Our neighbours at the back of our house - who we share a garden fence with - came round and asked if we'd contribute towards replacing the fence, as it would benefit both properties. We agreed and paid 50% of the cost. But it wasn't until the new fence was up that we found out…
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Cooking for one (Mark Three)
Welcome to Cooking one (Mark Three), time to get a shiny new thread up and running. The link to "Cooking for one (Mark Two)" can be found here https://forums.moneysavingexpert.com/discussion/comment/73708876#Comment_73708876 Cooking For One 13th Jan 17 at 7:32 PM Hi, newbie poster though long time lurker trying to adjust…