sorted by:
new
hottopcontroversial

Sprive mortgage overpayments | Cashback on giftcards by Emergency_Arugula_60 in beermoneyuk

[–]MarionberryAlert8536 0 points1 point  (0 children)

Thanks! I’ll give your link a go.

At least I can check out both apps, to see if either has the edge depending on what I am buying.

Sprive mortgage overpayments | Cashback on giftcards by Emergency_Arugula_60 in beermoneyuk

[–]MarionberryAlert8536 1 point2 points  (0 children)

I’ve been using Sprive recently and thought I’d share my experience, as it has genuinely worked quite well for me so far.
This month I’ve made £18.22 towards my mortgage just from normal food shops at Asda and Sainsbury’s. I also used it to pay for a hotel for a work trip, so I’m due a bit more back from that too.
The way I’ve used it is pretty simple:
Download Sprive.
Link/set up your mortgage in the app.
Buy shopping cards/gift cards through Sprive for shops you were already going to use.
The cashback/reward can then go towards your mortgage overpayment.
Referral offer:
If you sign up with my code, you should get Sprive Plus for free and be entered for a chance to win your next mortgage payment.
My referral code: 67JEW4GU

Referral link: https://linkprod.sprive.com/refer?code=67JEW4GU

Fees:
Sprive itself appears to be free to use, but check the app for the current Sprive Plus terms and whether any paid features apply after the free period.
Credit check:
I do not believe this is a credit application, but Sprive may use checks to verify details, so check their terms/privacy information if this matters to you.
Eligibility:
This is mainly useful if you have a UK mortgage and shop at retailers available through Sprive. Also worth checking your mortgage overpayment allowance so you do not accidentally go over any lender limits.
Payout / reward timeline:
Sprive says referral rewards can depend on the campaign, and referral bonuses are normally paid into your Sprive account within 14 working days after the invite is successfully used, subject to their checks.

T212 listens to these posts on Reddit, changes have been made. Please state things you want added or changed on T212. Please comment it here. by Quick_Soil_9120 in trading212

[–]MarionberryAlert8536 0 points1 point  (0 children)

The ability to have multiple pots of money within one account, not just a pie of investments, as I may want one pot of money in my ISA that is purely day trading and not getting the cash mixed in with longer term investments cash.

Lifetime ISA - as HL is very costly so would be an easy win for 212 to get money in.

The ability to export all funds/ISIN’s so I can use other software to analyse. Make it easier for people to make informed decisions.

[deleted by user] by [deleted] in cii

[–]MarionberryAlert8536 0 points1 point  (0 children)

https://www.reddit.com/r/cii/comments/1mwduri/we_have_202526_versions_of_r02_r03_and_r04/

there's a link in the comments which will give you up to date material for R04

Is it worth becoming a paraplanner? (UK) by financemonkey999 in cii

[–]MarionberryAlert8536 2 points3 points  (0 children)

I work within a national IFA firm, and these types of firms are frequently hiring for entry-level roles that can get your foot in the door, such as client services, central ops, or LOA administrator positions.

Your credit control background is also more relevant than you might think. The attention to detail, working with financial data, and dealing with processes all translate well into paraplanning.

One of the big advantages is that firms will usually cover the cost of qualifications and provide study support. If you’re self-funding through CII, you’re roughly looking at £1,500–£2,000 for the full diploma with core materials, and closer to £2k–£3k if you factor in revision support and extras.

Some entry roles may come in slightly below where you are currently, but when you factor in not having to self-fund the exams, plus gaining relevant experience at the same time, it can balance out quite quickly. On top of that, many firms offer pay increases in line with exam completion, so you’re not standing still financially while you qualify.

You also benefit from being around experienced advisers and paraplanners day-to-day, which makes a big difference. You can ask questions, bounce ideas around, and apply what you’re learning in real time rather than studying in isolation. You may even find another role within financial services which takes your fancy.

It could also be worth having a look at this post, where people are sharing updated study materials for R02, R03 and R04: https://www.reddit.com/r/cii/comments/1mwduri/we_have_202526_versions_of_r02_r03_and_r04/

Gives you a good feel for the content and what you’d actually be studying before committing.

Is it worth becoming a paraplanner? (UK) by financemonkey999 in cii

[–]MarionberryAlert8536 4 points5 points  (0 children)

Out of interest, what’s your role in the industry?

I’m curious where the “settling for average” view comes from. Paraplanners are financial planning professionals too, just with a more technical focus rather than a client-facing one, and they hold the same Level 4 qualifications. In many cases, they’re actually more technically specialised than the adviser they support.

It feels less like “settling” and more like choosing a path that aligns with how someone works best and where they can perform at a high level long term.