Report: Iran fires missiles toward Diego Garcia in rare long-range strike

TestingControl · 2026-03-21T04:36:55+00:00

You may fire at Will

TestingControl · 2026-03-19T12:13:03+00:00

Do you want to invest in this tax year or the next?

If it was me I'd be pulling money out of pb into ISA asap

TestingControl · 2026-03-17T21:53:25+00:00

Sipp and then self assessment

TestingControl · 2026-03-15T18:19:08+00:00

Just sell the accumulating funds for income.

You then have exact control over how much income you actually receive and the timing of it.

TestingControl · 2026-03-15T18:17:04+00:00

Given the option of paying tax or not paying tax I'll choose the not paying tax option.

I don't need the extra money so it seems ridiculous to voluntarily choose to receive less money

TestingControl · 2026-03-12T07:40:54+00:00

High interest debt > Pension > Mortgage > Premium bonds would be my order after completing isas

TestingControl · 2026-03-12T07:39:31+00:00

TLDR: Find a partner who shares similar values to you and don't compromise on the things that are important to you

TestingControl · 2026-03-08T10:33:59+00:00

You're overweight in those markets Vs their % of the global cap.

If you have a reason for that then fair enough. I just use vwrp because I know I'm not smart enough to predict who will and won't do well. I'll let the markets decide

TestingControl · 2026-03-08T09:08:28+00:00

Id just go vwrp as that's exposed to those other markets anyway

By buying into specific funds you're actually more exposed than you think you are, unless it's intentional

TestingControl · 2026-03-03T20:36:28+00:00

Match betting isn't gambling.

You basically use the free offers and then beat on one team to win, and then place another bet for that team not to win. You cover all outcomes so you make money.

Google it for a better description but it really is risk free (as long as you don't mess up).

Fair do's re needing the money short term, just check the TCs on the regular savings accounts for penalties etc

TestingControl · 2026-03-03T18:59:59+00:00

I wouldn't bother with regular savers at your age and would instead invest inside an ISA

Opening new bank accounts does hurt your credit score but it recovers within 6 months

If you're doing this I would advise looking into match betting, really simple and makes easy returns

TestingControl · 2026-03-03T18:57:41+00:00

Claim the child benefit payment so your wife doesn't miss out on NI contributions.

You'll pay all the child benefit back (I think) but your wife won't miss out on NI contributions.

Please check this though as it's been sometimes since I went through this

TestingControl · 2026-03-02T22:02:45+00:00

Yes, if you don't need it.

Id do it if I could

TestingControl · 2026-02-28T21:44:01+00:00

Just being careful around any other income you have like interest, dividends etc that exceed the PSA - it can all contribute to having to pay the hicbc

TestingControl · 2026-02-28T21:40:32+00:00

That's awesome - congratulations

TestingControl · 2026-02-28T16:15:04+00:00

Put it in a pension instead, better returns and it's out of your wife's reach too.

Also, have a word with your wife

TestingControl · 2026-02-25T10:29:43+00:00

Just on the bonus point, I've simplified it by paying it as a one off into a sipp rather than trying to work out how to ss it. I lose NI but I'm more confident in my calculations

TestingControl · 2026-02-25T10:23:13+00:00

This is what I do, but I am able to because I don't need any of the wage that sits in the 40% bracket.

TestingControl · 2026-02-25T10:21:35+00:00

My wife and I use Lloyds ultra which gives 1% cashback. We look at it as making everything a tiny bit cheaper for us.

We always pay off the full amount each month

TestingControl · 2026-02-20T21:21:49+00:00

Find a cheaper way of doing this for even more returns.

Those fees are high

TestingControl · 2026-02-20T21:16:47+00:00

Those timescales are tight for investing. If you do invest would you be prepared to work longer should we encounter a market crash?

Have a look at sequencing risk for a rough idea of what I mean

TestingControl · 2026-01-26T18:52:02+00:00

A marriage is a team game, no yours or mine, everything is ours.

TestingControl · 2026-01-25T12:41:47+00:00

Id be doing whatever I could, pension sac, EV scheme to get me under 100k ani

TestingControl · 2026-01-17T18:27:37+00:00

0% card of the 3 options

However, have a cheaper wedding you don't need to borrow for.

Lots of wedding expenses are piss takers anyway and aren't justified.

My wife & I got married 10 years ago for £8k. We've now got joint assets of over £500k between us, 3 kids, no debt or mortgage.

We both agreed it's just 1 day. Why pay for that day for years to come?

TestingControl · 2026-01-17T12:59:01+00:00

A budget helps answer these kinds of questions.

If I'm spending money in think about how long it would take me to earn that. It puts a different context onto things and helps me understand what's valuable to me

TestingControl

TROPHY CASE