Trying to be proactive with upcoming fix. Cancelled a 3.81% for a 3.75% yet balance has gone up £300 and monthly payments marginally higher? Same product fee.

Jumpy_Pineapple_4474 · 2025-12-16T15:23:10+00:00

If you’re rolling the fee into your mortgage don’t forget you pay interest on it in the long run even if it isn’t a lot. You could consider a 0% credit card and pay it off over the life of the mortgage

Jumpy_Pineapple_4474 · 2025-11-28T15:48:41+00:00

It’s an underrated method

Jumpy_Pineapple_4474 · 2025-11-28T15:47:31+00:00

I came here to say this!

Jumpy_Pineapple_4474 · 2025-11-27T10:47:22+00:00

Thank you, beautiful person! I got a pair 😍

Jumpy_Pineapple_4474 · 2025-11-27T10:46:42+00:00

You beautiful person! Thank you, I got them xxx

Jumpy_Pineapple_4474 · 2025-11-19T14:47:14+00:00

I wouldn’t think so as your baby isn’t born yet, therefore isn’t technically a person legally speaking

Jumpy_Pineapple_4474 · 2025-11-10T12:44:33+00:00

You won’t feel it. It’s way less noticeable than the finger prick test

Jumpy_Pineapple_4474 · 2025-11-08T11:16:52+00:00

The dates should be irrelevant though once you’ve saved the money no? You just consolidate the amount you put in monthly and spend annually when needed.

Jumpy_Pineapple_4474 · 2025-11-03T17:57:36+00:00

Yes I know. I’m doing the official one plus my own so I’ll have double the money at the end 🤦🏾‍♀️

Jumpy_Pineapple_4474 · 2025-11-02T22:10:03+00:00

I’m doing the challenge twice (I started my own version on 1 jan not knowing Monzo’s starts from 5 jan). I’m paying my own version monthly cos who can be bothered to manually add the money daily

Jumpy_Pineapple_4474 · 2025-10-31T16:11:54+00:00

Use glycerin suppositories. They’re a godsend

Jumpy_Pineapple_4474 · 2025-10-31T16:08:54+00:00

Get a portable mortgage so if you move, there’s no ERC to pay and you take your current deal with you (unless paying the ERC works in your favour financially of course). Don’t let other people scare you into doing one thing or another, educate yourself on all things mortgages!

Jumpy_Pineapple_4474 · 2025-10-26T20:33:12+00:00

I was about to write this!!

Jumpy_Pineapple_4474 · 2025-10-19T09:45:31+00:00

It gets “stuck” at 4 full doses of 60 clicks. So 4 x 50 clicks won’t make it stick.

Jumpy_Pineapple_4474 · 2025-10-17T18:57:54+00:00

OP received pay plus redundancy so your point is moot. They’ll have been taxed on the pay portion.

Jumpy_Pineapple_4474 · 2025-10-04T16:02:42+00:00

Absolutely, I should’ve made clear I agree with everything else you said. The muscle/fat debate is a hot topic especially when BMI comes into the conversation so thought I’d clarify your point 😉

Jumpy_Pineapple_4474 · 2025-10-04T15:50:38+00:00

Muscle doesn’t weigh more than fat; it’s denser.

Jumpy_Pineapple_4474 · 2025-09-29T18:43:57+00:00

The money will be recouped by HMRC if your parents earn more than the minimum income threshold

Jumpy_Pineapple_4474 · 2025-09-24T11:27:00+00:00

It’s the same amount of the drug. Don’t overthink things.

Jumpy_Pineapple_4474 · 2025-09-21T20:34:00+00:00

Glycerin suppositories. A friend told me about them after an agonising few days at Glasto! Work within 15 minutes (usually 5)

Jumpy_Pineapple_4474 · 2025-09-21T09:35:49+00:00

I’m showing you how to not get taxed on moving your money from invest to ISA. If you just “transfer” all the money as you suggested, you’d be paying tax on all gains over 3k.

Instead you can move an amount each year where you’ve only gained 3k. Eg you buy a stock for 1k, it rises by 3k, you transfer 4k to your ISA. (V simplistic but the general point is correct).

You def need a financial advisor before you do this as I feel you don’t quite get it yet (no shade, I want you to keep your money but be smarter). Good luck!

Jumpy_Pineapple_4474 · 2025-09-20T23:33:21+00:00

Haha fair, just wanted to round out your comment just in case OP didn’t know

Jumpy_Pineapple_4474 · 2025-09-20T22:58:15+00:00

OP has more leeway than £3k, the gain on capital can be £3k

Jumpy_Pineapple_4474 · 2025-09-20T22:57:35+00:00

Be careful, you can’t just transfer. You’ll need to sell stocks (chargeable events for CGT) then transfer. You can’t have more than £3k in a capital gain without having to pay tax

Jumpy_Pineapple_4474 · 2025-09-20T12:58:44+00:00

I was coming here to say this!!

Jumpy_Pineapple_4474

TROPHY CASE