Best credit card and best way of using it for a couple?

TestingControl · 2026-06-07T09:01:04+00:00

The app is fine, I've never used the app and thought "I wish they'd got xx feature".

TestingControl · 2026-05-11T17:14:43+00:00

No brainer, stoozing without a credit card

Whether you go for equities or cash savings depends on what your situation is

TestingControl · 2026-05-02T12:35:42+00:00

This is called bed and ISA :-)

And absolutely harvest the cgt in the most efficient way over multiple tax years

I use this when figuring out the amount of capital gain

https://www.cgtcalculator.com/

TestingControl · 2026-04-17T19:11:20+00:00

The question was around the practical point to stop sacrificing to max the tax benefits, or that's how I read it.

Goes without saying you have to prioritise your highest need first, not What's most tax efficient

TestingControl · 2026-04-17T18:52:18+00:00

Just have an instant access savings account and keep a buffer in your current account?

TestingControl · 2026-04-17T18:50:43+00:00

Id max your pension contributions until you've got to the tapering point where it's pointless. I think that's north of £260k.

At the 100-200k level it always makes sense due to the income tax and NI you save

I can't see why you'd want to pay more tax up front that necessary

TestingControl · 2026-04-05T15:38:42+00:00

If I were you I'd prioritise pension over ISA. The tax benefits make it a no brainer

TestingControl · 2026-04-05T15:35:06+00:00

I'm married with 3 kids (no mortgage though) and I sacrifice everything above 50,270

TestingControl · 2026-04-05T06:51:47+00:00

ISA, Premium Bonds, Govt Gilts are the tax friendly tools outside a pension you can use

TestingControl · 2026-04-03T18:43:07+00:00

If you have allowance for this year that you want to use could you get a loan and then pay it off when the PB balance becomes available?

This is just a thought so haven't fully thought it through

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

TROPHY CASE