There is a lot of talk about people not saving enough retirement.
How old are you and how much is your pension pot as of today.
Be interesting to see if people saving enough or not.
Hi, if this isn't the right fit for this sub then let me know. I was wondering if anybody else here might have had a similar experience.
I got a bill yesterday from Thames Water regarding an account connected to a tiny flat I rented with my girlfriend from 2023-24. According to their meter estimations, we used >5000m³ of water from Jan to Jun '24.
Now, I do like to keep hydrated and I have been known to indulge in long shower every so often. That said, a small farm would struggle to achieve that usage, let alone two people with two sinks, a shower, and a toilet. In the screencap you can see that our June usage was apparently a normal amount, which makes the whole thing even more perplexing.
What I don't understand is a) why have I been handed a bill that is so evidently an error and b) why am I only hearing this more than 2 years after the fact?
Does anyone have any pointers for how I can deal with this? I've been in touch with the WhatsApp helpline in advance of calling on Monday, but it's largely not been useful. They've asked if I have records of meter readings from moving in and out, but pending a deep investigation of my emails and documents I'm not sure I'll be able to turn them up.
Hey all,
I’m not from the UK but have been living here for nearly a decade. I’ve rented for 5 years but now my husband has a mortgage and has done so for almost 4 years, just in his name.
I don’t have a credit card but have a phone I took out on finance and have never missed a payment for almost 2 years in my married name, plus had a previous handset before that in my maiden name for 2 years. I’ve paid rent in my maiden name and bills in both names and never once missed payments on any of these.
I don’t fully understand how credit scores work, they aren’t a thing as much where I’m from, but I’d have thought the phones on finance would have meant I’d have something alongside rent and bill payments but I guess I’m wrong.
I checked with clear score in both married and maiden names.
I’ve also been in consistent employment for over 2 years in my maiden name, with bits here and there before that
Would my husband adding me on to the mortgage help, and what are the steps involved in this?
Thanks for any help!
Moved into my girlfriend’s flat permanently and decided to rent out my flat because if I sold it I think I would lose money, but I’m not entirely sure. I plan to sell in the near future but I’m currently letting it out through a letting agent. It’s also a safety net for me just incase for whatever reason things with my girlfriend don’t work out and me and my son don’t have to worry about somewhere to live.
So my understanding is HMRC sees that I’m earning an extra £7500 a year and I’m already on a £40,000 salary. Will this affect my tax deductibles on my wage from my job? Or do I have to tax this extra income myself and how do I go about this?
I believe you also get tax credits on the interest on the mortgage I have but I’ve no idea how that works or if it’s all automatically done by HMRC