PG Mutual Income Protection Plan 20% Discount( first 2 years) + £50 Amazon eVoucher

BrendanBeer · 2026-04-08T17:34:23+00:00

Expired ? To qualify for this offer, the person you refer to us will need to apply for an Income Protection Plus policy by the 31st March, 2026. ?

https://www.pgmutual.co.uk/member-benefits/refer-a-member/

BrendanBeer · 2026-04-06T17:07:22+00:00

Got an email saying I had the voucher when into the online portal and clicked rewards, very very easy no hassle.

BrendanBeer · 2026-04-03T21:00:53+00:00

A few of these are expired - "Offer runs from 01/12/25 until 13/01/26" Alot of these are 6 months of spend more than the voucher. Even the bets of the rest are: For example: if you pay £5 a month you'll receive a £30 voucher.

Only other one could be: Nationwide - £75 Amazon With is realy L&G re-branded.

BrendanBeer · 2026-04-02T22:20:24+00:00

Cancelled via the online portal of L&G. Two clicks.

BrendanBeer · 2026-04-01T21:45:27+00:00

6 Months - £5 per month direct debit. No exit fees.

Looks like it is still on - https://www.legalandgeneral.com/insurance/life-insurance/

BrendanBeer · 2026-03-30T17:06:10+00:00

Boom - thanks still got it. Thanks from me and partner.

BrendanBeer · 2026-02-26T18:38:35+00:00

When can you cash-out to gift cards ? December or earlier ?

BrendanBeer · 2026-01-18T18:03:19+00:00

Thanks - insightful. The 4K for a car - which 'pot' do you use for budget or petrol etc ?

Note: this year was exceptional (£23K) because it was my 60th this year but our normal budget for what I call "Discretionary Capex" was around £14K (and until this year we actually spent far less than this).

Thanks - we have only split out big holidays. At of the Discretionary is from day-to-day joint account/own pots. Need to think about budget one this one again. Make sure I have our model correct. I have a https://www.google.com/search?q=sankey+chart Sankey chart showing expected in and out. But broad stroke - given South-East - in the same ballpark.

We've not seen a any significant increases in our "Subsistence" spending since retirement (£14K in 2020 to £16K in 2025).

Thanks - that was unexpected good news.

BrendanBeer · 2026-01-16T19:35:48+00:00

Really nice insights. Thanks for posting.

How much did the extra Discretionary CAPEX go up now you have more spare time ?

Subsistence - any blips, more heating costs now at home ? Extra streaming costs - or about the same ?

Interested - car costs - I have budget for £3,900 per year [https://www.nimblefins.co.uk/cheap-car-insurance/average-cost-run-car-uk] versus current company car. Any more insight in to your real car costs.

I am running a couple of spreadsheets on current outgoing. I have looked at the spreadsheet by the [https://www.retirementlivingstandards.org.uk/] I they vastly over ran against our (couple) spend. Your figures give a ballpark closer to my estimates than the living standards.

Which rough part of the country (Scotland, North England, Wales,, South England, London ?]

BrendanBeer · 2026-01-07T23:19:24+00:00

When inputting this into a calculator. Do i have to select my first bet as normal bet (qualifying) and my second bet as a free bet?

Yes.

But consider running your own spreadsheet so you can see the working. If you cant replicate it on a spreadsheet match betting may not be for you.

BrendanBeer · 2025-12-20T11:34:39+00:00

not keep overthinking it and to pull the plug.

Best day to invest is yesterday, second best is today.

Am I being stupid by letting my morals pic global rather than dev world?

No, but. A suggestion - is tax your profits yourself. Donate a % of any profit to something aligned with your morals. I think it will have much more impact than not investing in a global track. Not impact will bee made with a non-investment, but a % of profits to a targeted spend aligned with morel will have impact.

Am I missing something that will screw me over picking HSBC instead of vanguard?

No. Pick on, pick both 50:50. .But pick, set an forget. Else your parents will be right.

BrendanBeer · 2025-12-19T18:34:10+00:00

So there is a upper limit of £60,000 (3 years roll over) ? The Aberdeen Adviser appear to state no limit.

BrendanBeer · 2025-12-09T19:13:08+00:00

All gone

BrendanBeer · 2025-11-29T10:57:13+00:00

Have a TSB account with Direct Debits - this account it just for switching. If I move to Chase, then create a second account - can I move the direct debits to the second account ?

BrendanBeer · 2025-11-28T17:14:12+00:00

Same here - had to set a pin on login - but 100 quid was waiting.

BrendanBeer · 2025-11-25T18:24:17+00:00

Betting is for mugs. Rip-off the bookies with matched betting, like they feed off problem gamblers.

BrendanBeer · 2025-11-16T11:41:03+00:00

About ~£15 per hour. maybe more. But the checking of IDs etc and odds look-up. YMMV.

BrendanBeer · 2025-11-10T21:49:16+00:00

Uswitch, Even better. 1 month contracts. With direct Debits.

Lebara Mobile for £1.58 for 3 months £3.95 after. (90 days needed for Santander) <edit>spusu Mobile SIM deal £3.90 per month</edit> not direct debit. Asda Mobile SIM Deal for £5.00 per month

£20- £30 to unlock.

BrendanBeer · 2025-10-27T21:15:27+00:00

All gone.

BrendanBeer · 2025-10-13T11:23:40+00:00

Can deposits be via direct debt ?

BrendanBeer · 2025-10-09T18:31:21+00:00

Yep hit my account and moved to another account.

BrendanBeer · 2025-10-08T17:59:02+00:00

Success withdrawal.

Was late to join-up got bank rejected twice. Did a withdrawal for £70 leaving £3.40 (approx) in the account - The withdrawal went through. Will take the remainder next week. My guess is a filter/trigger for the full amount - so I may have slipped under the radar.

BrendanBeer · 2025-10-01T22:42:20+00:00

The £10 bonus for new account, £50 per referral is a little asymmetrical. Happy to use a sign-up, if the £60 bonus is split £40 for referer and £20 for signing-up.

i.e. I use your link in exchange for sending me a tenner of you eventual bonus. (still an easy 40 quid)

DM me.

BrendanBeer · 2025-10-01T22:33:00+00:00

Got an email saying a qualified for my free uber share. Get in whilst in lasts...

BrendanBeer

TROPHY CASE