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MoneySaving Dads - get the MoneySaving help you need
What's the new board for? Have you just found out you’re going to be a father and have no idea what nappies cost? Dad of several and don’t know how to afford all the school dinners? If you’re a dad and a MoneySaver this is the place to discuss your MoneySaving issues. For general questions not related to MoneySaving please…
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Thank you
Thanks everyone
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Financial Disassociation
Afternoon all, I have recently come out of a pretty nasty divorce. The long and short of it is the ex wife has got the property but as she can't afford it, I've had to remain on the mortgage - Court Ordered. Yeah I know, not ideal. The question I have, which may be a daft one, relates to financial disassociation. The joint…
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Buying a house with girlfiend
Hi, just after some information on where people stand when buying a house with a girlfriend. After divorcing over a year ago I am now thinking about my future and how to protect myself when in a further relationship. Can legal agreements between non married couples be drawn up if you purchase a house together. Say I put in…
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Childrens ISA's and FSCS
Are my childrens ISA's protected in their own right (as in their name) or are their savings considered part of my £85,000 protection as I opened the accounts for them? Ie if I have £85,000 and they have £10,000 each are all of our savings protected individually?
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Money Moral Dilemma: Should I challenge my daughter's school over pricier uniform with logos?
This week's MoneySaver who wants advice asks... My daughter is starting at a secondary school that requires pupils to wear blazers, skirts and trousers with its logo on. Trousers with the logo on are up to £16 a pair. In contrast, you can get two pairs of school trousers for £12 from a well-known retailer. Government…
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Complicate situation with ex-partner and money she owes me
Hi I am hoping someone can give me some advice. My ex-partner and I split up a couple of years ago. We have one kid whom we split the time 50/50. The last couple of years in terms of making agreements with everything has been a nightmare. I am doing the best I can to get along with her, but I set some boundaries and try to…
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Point at which divorce settlement figures are calculated
Hi, I would like some advice/experience if someone can help please. Separated from my wife last July. She had an affair and left the family home to move in with the other guy. I continue to maintain the family home (pay mortgage and all bills) for me and my children (18 and 16) with my wife having the children at their…
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Separation - buying a second house
My wife and I are going through an amicable separation and she and the kids will be staying in our family home which is jointly owned. I need to get a new home and would much rather try to buy than rent - is there any way of doing it that is more efficient from a tax / stamp duty perspective? We don't intend to divorce any…
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Halogen Heater Hack.
I recently bought a Halogen heater to replace my old heater that gave up the ghost and have found that it has (for me at least) a hidden advantage to help reduce electricity costs. I usually have a lamp on while watching TV or relaxing and have found that I no longer need to have the lamp on when I am using my heater as it…
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Joint Mortgage Holiday
Hi All, this is my first thread so be gentle. Just over 12 months ago I was ordered by the court to pay my Joint Mortgage in full and child maintenance (a total of £2200 pct). Last summer I lost my Job, I've asked my ex to agree to a Mortgage holiday until I get back on my feet, she will not agree. I've now got to a stage…
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Divorce financial order
I'm in the early stages of divorce and would like peoples opinion of what may be a sticky situation. We want to keep things amicable between us moving forward as we both feel it's important to keep a good relationship between us - for both each other and our 2 kids. Our mortgage has been paid off but my wife has been…
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Having a baby - best prams and other items...
My partner and I are due to have a child together soon. My first and her second. We have a lot of things to buy obviously but I was just wondering if anyone out there has any pram reccomendations. We want something decent and good enough for the baby, but without spending a fortune. We have seen a pram/stroller combination…
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Dining out - bill paying
Hi just curious how others deal with the saga of bill paying at the end of a meal with friends especially if other have unequal amounts of food and drink. Out last night with 2 friends known for about a year, it was one's birthday. Bill came to £95. My mains was just £16 and i had that ready as cash (I paid for drinks…
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Virgin Broadband
Hi, so there is going to be a price hike from most providers. Just wondering whether it would be best to cancel in my wifes name, and then join as a new customer under my name in months time maybe? I suppose Virgin will be well aware of this trick? Cheers
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How much board to charge kids?
Kids are both 19 now, they both have decent jobs pulling in around £22K PA, what is a fair amount of rent to charge them each week (yes, I do think children should pay!). They get in that, food, heating, electricity, washing, lifts etc (one to and from work most days as anti-social hours which means often picking him up at…
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Gift from parent
After some advice. My mother in law wishes to gift my wife around £15,000 does anyone need to pay income tax or any other tax at all? I understand that inheritance tax may apply within 7 yrs if she passes away but her total estate value including this gift would be below the £325,000 inheritance tax limit. thanks in advance
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Kids football fees
Son plays as goalkeeper for local team. Fees are £35 a month to cover two training sessions per week (no specific goalkeeper training) plus Saturday games. Team want to add in a 3rd weekly training session for all the keepers at different age groups through the club but are expecting goalies to pay an additional £20 per…
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Friend of my son 'may' be having games addiction/financial issues.
Hi all. Son meeting up with his ex-schoolfriends again. One of them who had remained in the area and living at home (we are talking only 20 years old) is causing his friends some concern. He works, but has no money... For example, a group of them had just planned a visit to a theme park, but he seemingly couldn't rustle up…
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CSA - Does this stop when child starts Uni?
My partner's estranged son starts uni in September. I found this out from someone. Does this mean his ex wife can claim for him to pay beyond the final payment date he was given months ago by the CSA? TIA
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My Brothers partner is off the rails, they have young kids, advice please
My older brother (in his 40s) has been with the same woman for over 20 years. They have two young children (5 & 7). His partner is suspected to be bipolar, she's always had issues with our family for as long as I can remember going back 15 years or so, falling out with people over the most ridiculous of things, and hasn't…