+comments restricted to ukpf

  1. S

    Best place to buy silver? U.K

    As the title implies, this is a fairly straightforward question. I'm looking to invest some money into silver. Can you suggest some good/reliable places to purchase it?
  2. A

    I agreed to renovate my Landlord’s property for low rent but I can’t afford it

    Last year I was struggling to find somewhere to rent and was offered a place with cheap rent with the clause that I had to completely renovate it. The place was completely unliveable at first so I spent a grand I had in savings on fixing the central heating and renovating the lounge and master...
  3. D

    Buy an eSim rather than roaming when you’re next travelling abroad

    I hadn’t heard of this until last month, so thought I’d pass on how much cheaper it is to buy a disposable travel eSim when you’re abroad. Total gamechanger. I’m with O2 (the only big UK network that post-Brexit still includes free EU data roaming for new customers) but outside the EU their...
  4. A

    It’s taken a while but I’ve finally hit £10k in savings!

    Afternoon everybody! Just wanted to share something positive as I don’t want to seem like a gloat to all of my friends considering the COL right now. A few years ago I was £9k in debt, jobless, a gambling addict who ended up with a CIFAS marker for fraud and a CCJ. Something had to change. I...
  5. L

    Is 1200kwH a month abnormaly high electricity usage?

    Hi all, I've noticed my bills are getting a bit crazy, very near £400/mo to Octopus. We are a family of 5, with one working from home in the day. We don't have electric heating and get gas from Octopus aswell. My highest usage in the last 6 months was last month, at 1195kWH. I type in the...
  6. H

    How long have they been charging us 6.5% on Student loans? 🫣😂

    Im sure it was 1% when I signed up to take them out in the first place. Tbh I’ve never even thought about it until the last few years. I just see a couple hundred go out of my pay every month. Got a letter saying I had to log in, because the loan is almost paid and they will overcharge me if I...
  7. D

    Why invest at all when fixed-rate savings account are so high? [6-month "update"]

    Preaching to the choir here, but always good to have the hard numbers. In the past year or so, we had a lot of posts in /r/UKPersonalFinance asking why even risk investments when fixed-rate savings were paying 6%+ per year. Well, it's been six months so I thought why not take a look at the...
  8. L

    I don’t trust the state pension to exist when I’m 67 (or early 70’s). I’m currently 29. Should I set up a SIPP?

    I currently pay into my employer pension (police) and I pay into a S&S ISS (Vanguard global all cap) but I don’t trust that by the time I reach state retirement age it will still exist in its current form (if at all). Would setting up a SIPP be worthwhile? That way if I get a state pension it...
  9. A

    Is a pension really worth it while trying to clear £15k credit card debt?

    EDIT 2 (1/11) - Sincere thanks to everyone who’s taken the time to educate me and provide valuable advice! I’ve decided to stick with my pension and chuck the entire inheritance towards my debts :) ——————————————————————- So I (24F) have found myself with about £15k credit card debt - I’m well...
  10. M

    Managed to hit my 30k pension goal by 30

    Hi All, So I had a post up last year where I hit my first 20k in my pension pot and had a goal to hit 30k before I hit 31 (which is in less than 2 weeks) so I could say I hit 30k at 30 (cringe I know). Checked my app this morning to see I finally hit it. I’ve been trying to put in around 7/8k...
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