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Redundancy payment
Hi, I have had to take VER & will get a small VER payment, so with current savings put me just under the benefits £16000 cap. I will need to get a car as my works 1 is going back, being told my VER will be taken into account when making a claim? So could I buy a car on fiance or a credit card & pay it off with my VER…
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I finally realised money management is a skill that can be learned
I've never been materialistic regarding brands and so on, but like many people, I often frittered away my hard earned cash on lunches, snacks and so on. I'd save, but often had to dip into it to clear overdrafts as I never planned ahead for specific annual costs like Christmas, school uniforms and birthdays. I barely…
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Saga's saga
A few months ago I tried to be matched to an independent financial adviser using unbiased.co.uk. In the end I never was. I guess my net worth was too small to be worthwhile. Perhaps it was a way for me to be reminded that, in the grand scheme of things, I don't really have that much. You see, back in 2013 I was between…
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Saving for..?
I'm not quite sure yet! But I would like to stop wasting money and be more accountable with it! A little bit of background context: I'm 26 and live alone with no family around me. I left an abusive relationship 2 years ago and became homeless. I spent most of my then £8000 savings, some necessary some not. I went on…
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Help to save scheme
Can anyone advise me on this? I have a Help to save that I opened 2 years ago and deposited £50 each month for 2 years so i now have £1200 in the account. I just received my first bonus of £600. I will be continuing the scheme for another 2 years and will get another £600 in 2 years time. Can I withdraw the first £1200…
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Lady K's savings diary
I wanted to get my saving thoughts and ideas down somewhere and thought this would be the great place to do it. I hope you all don't mind! I'm 27, I moved out to live with my partner just over a year ago. I started a degree with the OU and I also changed jobs from being a carer to working in an opticians. Although the wage…
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Petrol Card v Millage Allowance
Good evening, I receive a monetary allowance to buy my own car. I also have the choice of having a fuel card or a mileage
allowance. Can you help me decide / understand what is the best
option for me to take? I will do around 20k business miles a year. Thanks
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Savings in ISA and income support
Hi. I am on income support. I've been saving money in my ISA account. It is about £16,000. Will that affect my benefit? What is the amount transfer limit?
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There still may be trouble ahead .....
Around this time last year a redundancy threat at work shocked me into actually looking at my finances properly, and it wasn't a pretty sight. I'm now officially debt-free, but have no savings. I'm now in a new department at work, with a new manager, colleagues and ways of working which is all a bit stressful and I'm not…
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2020 Needs and wishes
I've decided to start a new diary for 2020, hopefully focusing my mind more on what I want and need to achieve this year. My fiance (swoon), the knitted Welshman (KW) and I got engaged on fireworks night last year, and at present, have very little saved for our wedding. We have a joint savings account with £150 in it so…
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Average amount of savings for a 30 year old...
Ok, so I know this question depends very much on circumstance, but I'm trying to get a general picture of what is considered 'average' in terms of how much a 30 year old (no mortgage) has. I'm almost 30, and slowly getting out of debt, but have a VERY minimal amount of savings. I've always been boom/bust when it comes to…
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How I am thrifty with my pennies in 2020
I am in my fifties and I like to save and get a bargain where I can. I save coins so I will post here how much I save each day. What discounts I have found eg yellow stickered, % off etc and where from. Coins I save for a rainy day ; 1p - 7p 2p- 5p- 5p 10p- 20p 20p- 20p 50p-50p £2- NSD for 2020 = 5 Hopefully see a few of…
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TU Clothing Saving
TU Clothing is my favorite online store I always shop from there because they always offer a big amount of discounts on all products for all category. Currently they're offering upto 70% off on site wide, you can get this offer at voucherhunt.co.uk
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Dreams and wishes....
Hello! Hoping that if I start being even more sensible about saving by accounting for myself on here, I'll get to where I want to be faster.... A bit about me: My lovely DD, Miss Kittikins, and I live with my parents in their house, where I grew up. We've been there for 4 years and I think we all need our own space most of…
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2019 Savings
These are the savings I’ve made so far this year by following MSE tips : Free cinema ticket with Meerkat Movies Saving £6:90 British Airways Sale Saving £601 ( that’s £86 off a city break & £ 515 off a week’s AI ) Also saved my parents £670 off their AI holiday - but won’t include that in my total. Two Together Railcard…
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Staying in the black 2020
Shiny new diary - simply hope to make good decisions to make sure there are enough pennies in the bank to cover the bills. Also I’ve found that when the spending is under control, so too is the diet! Not even waiting until the new year - no time like the present!
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Trying to make the sensible choice
Hello forum, Long time reader here but new to posting. Trying to stay on the straight and narrow money wise - hoping this is the right place to keep track. Starting off on a high - no spend day today! Now to organise my thoughts about what exactly I want to achieve. Nothing like a goal or two to focus your efforts!
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Hello everyone
Hello everyone I am a new member I am really happy to meet you all
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24 Year Old Savings
I'm new here and was really keen to create a diary of my savings. I'm going to try keep my posts detailed yet still concise and factual. I appreciate comments, tips, advice, feedback etc as I never discuss my finances with anyone publicly so it's nice to do it anonymously on a forum. * 24 years old * Graduated university…
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All change, All change
So, some time ago, I got out of debt and set myself a £20,000 house deposit goal. True to life, I got there some years on, only to find that I'm to be made redundant this year, so all thoughts of housebuying went out of the window. Ok. I have kicked myself for not getting to the goal sooner, as I've frittered away money on…