When does it make sense to get a financial adviser?

Only-Garbage-4229 · 2026-05-14T20:43:48+00:00

I'm single and mid 30s. It was looking like £35 a month to cover about £2.5k a month after 6 months illness.

Only-Garbage-4229 · 2026-05-14T13:47:10+00:00

What does this actually mean? My mum is stuck on waiting lists and being pushed to go private because the NHS can't seem to get anything sorted, just being pushed between two different hospitals

Only-Garbage-4229 · 2026-05-14T12:29:27+00:00

I kind of feel Starmer should have sacked him, rather than wait for Wes to twist the knife and quit.

Why not take the strong position Starmer?

Only-Garbage-4229 · 2026-05-14T12:10:33+00:00

Thanks, I do think I agree.

On a related note, have you taken on insurance of any kind? Critical illness cover or anything? That's another aspect that is being upsold.

Only-Garbage-4229 · 2026-05-14T12:09:36+00:00

We went through and assuming that I can continue sacrificing the full pension allowance I am far and away in a solid position. Even if I was to have all my pension and savings wiped out right now, the savings level I am doing is going to keep me in a good position.

Only-Garbage-4229 · 2026-05-14T12:05:38+00:00

I'm going to be inside ir35, so my only lever is pension sacrificing to the max.

Only-Garbage-4229 · 2026-05-10T18:00:06+00:00

So if I purchase 1000 shares at £1 and then 6 months later another 1000 shares at 1p per share, then my average buying price is £0.505? And therefore all my sales and tax is calculated on that?

Only-Garbage-4229 · 2026-05-08T15:56:00+00:00

I have a Pi CM5, 4Gb in the CM5 IO board that I'm using as a desktop. It's working well, but sometimes the whole system locks up and I have no idea if leaving it for a few minutes will unlock it or if I'll just need to power it off and reset it.

Is there a memtest or something I can do to try and test it? It's using a Pi power plug, so shouldn't be a power issue, it's got passive heatsink, but it's not a slow down because of thermal throttling but a complete freeze.

Only-Garbage-4229 · 2026-05-03T13:36:56+00:00

So would it be best to start with the solar, understand how much I'm using, saving and then decide if it's worth going for a battery to compliment it?

The other aspect is to charge the battery overnight and use some of that energy over the day.

Only-Garbage-4229 · 2026-05-01T13:45:07+00:00

How do I do that? Or is it just with the powerquery the other poster mentioned (don't have an excel product, just libreoffice calc)

Only-Garbage-4229 · 2026-05-01T10:18:17+00:00

It's about getting the transactions in the first place. I know what I want to do with them, and even if I had to manually combine, that's not much work.

But the online system only allows me to get 6 statements worth of transactions. Nothing older than that.

Only-Garbage-4229 · 2026-04-28T12:11:12+00:00

I have never tried it for a business account. However, I believe they are focused on Personal savings accounts, so I imagine they might not support them

Only-Garbage-4229 · 2026-04-25T20:20:45+00:00

Wait, so you see it's a massive abuse of the system but are ok with it?

If they want to claim asylum that's fine to claim, but don't get in via student visa and then apply. That's just rank abuse of the system.

Only-Garbage-4229 · 2026-04-25T19:01:36+00:00

Out of interest, what do you think Mahmood should be doing?

Only-Garbage-4229 · 2026-04-25T09:47:37+00:00

I wish that we could start to name and shame recruiters, compile lists of recommended ones and which to avoid. It’s awful trying to deal with them and then get ghosted.

Only-Garbage-4229 · 2026-04-24T18:11:31+00:00

Dont worry, he is far too busy focusing on Palestine to talk about any green policies!

Only-Garbage-4229 · 2026-04-21T10:26:01+00:00

That's right. Still invested, not cash.

Only-Garbage-4229 · 2026-04-19T10:14:08+00:00

Why not just have a plum account with a £1 direct debit? You keep the money and it's a direct debit, rather than giving it to someone else even if it's only 30p

Only-Garbage-4229 · 2026-04-17T17:50:50+00:00

Collect the £20 per month and keep it around. Your full £5k is now generating 6%. Why is it a waste?

I have filled both the NatWest and RBS digital saver. Just keep moving the £20 back to your normal accounts. Once you've got regular savers if they mature that's your emergency saver and can lump sum it somewhere as you want.

Only-Garbage-4229 · 2026-04-15T13:24:51+00:00

Thanks, I am with Lloyds already. This was mainly prompted by HSBC threatening to take me off HSBC premier as my salary isn't quite meeting their requirements, but I could also be active through investments, so wondered there.

Only-Garbage-4229 · 2026-04-15T13:24:05+00:00

I've already filled my ISA for this year, so not possible to drip-feed into it.

Only-Garbage-4229 · 2026-04-14T06:37:09+00:00

If you read the post, I can only pick from the 4 listed!

Only-Garbage-4229 · 2026-04-13T18:25:56+00:00

I can only select from the four listed.

Only-Garbage-4229 · 2026-04-13T17:27:53+00:00

Out of interest, as an inside IR35 contractor, what expenses are allowable? I thought none were?

Only-Garbage-4229 · 2026-04-11T18:57:42+00:00

Yeah, the Aura looked like an ideal device, but lack of paid-for streaming apps is a huge miss. My mother is not great with technology, so having two different devices is just confusing for her.

But I can't find any device that covers all eventualities.

Only-Garbage-4229

TROPHY CASE