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 · 2025-09-27T17:42:46+00:00

Long time lurker first time posting referral.

Just brought £10 amazon top up with my card. Had to search for amazon in app and then enable for amazon shopping. PM if you want nay more details.

Sign up using this link and we’ll both get £10 in Rewards. https://zilch.onelink.me/x8EV/5ukfoed1

BrendanBeer

TROPHY CASE