If August prices were the prices and usage all year it wouldnât be the deal, but by October /November when we start turning everything on it will certainly save over the year.
Utility warehouse I am with. Have everything with them under 1 bill. Works well for me.
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Labor Department revises March 2024 payrolls benchmark down by 818K
The FED speaks tonight. More fuel on the fire for rate cuts. Hopefully the messaging is theyâll do it a little quicker than 0.25 increments
anyone done any car insurance renewals recently? how much more you paying?
Renewed in June and it dropped surprisinglyâŠthe nodding dog did me proud this year!
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Not sure what heâs crying about thatâs cheap, I just took a 2 year fixed and seems Iâm getting bumped lol
Oh dear. Along with the scrapping of the WFA, I hope and pray for a mild winter.
So much for cheaper bills under labour eh?
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By coincidence, my motor insurance renewal arrived this morning.
Itâs exactly the same premium as last year down to the penny!
Thatâs plain weird.
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Im due in October. Also with the nodding dog.
I hope I get the same as last yearâŠmost people have seen steep increases in recent years.
Different insurance companies are perhaps all in different financial states, like the banks.
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This one is out of their control.
The scrapping of the winter fuel allowance is just the start. There will be huge entitlement cuts. Nothing is off the table.
At the time I done it everyone was getting stupid prices and had to switch to bring it down some but they were all higher than last year same as me with my motorbikes.
Thatâs good that you manged to get it for the same price :=
Good evening 
-
As usual, we selected the best articles published in the past few days 
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Portfolio Construction
PDF Guide: How To Build Your Portfolio: Diversification & Behaviours
Returns: What If You Owned NO U.S. Stocks? Youâll be surprised.
Asset Classes: Challenging âStocks for the Long Runâ
The Simple Math of the Stock Market
Why you should sell shares in your company immediately
ETFs
Our Ranking: The Best Equity ETFs by Category
Small Caps: Active ETFs yet to land in Europe
Interview with Vanguard CEO Ramji: âCriticism Will Make Us Betterâ
Active Investing
Value Investing: Damodaran looks at traditional and modern value Investing
Factor Investing: Factor Decay & Transaction Costs - Alpha Architectâs view
Multi Factor Strategies: Mitigating Economic Risk
Wealth & Lifestyle
Scientists find humans age dramatically in two bursts â at 44, then 60
Books: Enrich Your Future - Review Of Larry Swedroeâs New Book
Surprising Facts: Will Early Retirement Reduce My Life Expectancy?
The Minimum Investment Amount Where Work Becomes Optional
Michael Kitces on the State of Financial Planning
Raising Money-Wise Kids in a World of Excess
And Also
Restricted Video Available On X: The Age of AI, Eric Schmidt
How Many Hours Europeans Work Each Week
The Top Performing Major Currencies (2014-2023)
These Illusions Fool Almost Everyone
Have a great week-end!
Francesca from BoW Team 
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I only own one of those directly and the others are part of ETFs 
Therein sir (or maâam - your photo is disconcerting) lies the beauty of the exchange traded fund.
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Embrace the worm 
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My bank informed me that all my accounts will be reducing which of course is normal but I was hoping that every account bar the help to buy would reduce.
It would be nice to help the new house buyers to buy a house considering alot of them most likely will use your branch you buy the help to buy to buy said house after.
Sadly though it reduces like any other account so it gets you thinking.
Touchy subject but we never know what circumstances people are in, just know that if you have tons of cash in HTB or/and life time ISA. You can claim universal credits without them taking this into account, as long as you have under ÂŁ6,000 in your accounts outside the lifetime and help to buy this also includes stocks and shares etc which also are included in your net outgoings.
The reason I stated this is that I decided to not work for a year for a loved one who was dying of cancer I got UC for that time which was just after the lockdown so I got a double whammy as I also got paid off on lock down so got no pay from work accept UC.
UC also tracked me down for a Compo paynent I got exactly on the date they could chase me.
This was for a crash that almost killed me and three family members. My mum,. my auntie and my uncle also my gf if she came but I told her to go to college that day instead.
We were taking my little dog to the vets and she was going to come. It was a really bad head on and we all had serious injuries.
I have permanent damage to my body which was deemed unrepairable. My other family members had other injuries that im sure will effect them for the rest of their lifes.
My dog also had to be put down by me via the phone, while I was in high dependency for 8 days before being moved to another ward. That killed me not being there for him as he was so attached to me.
I just thought I would send a message that not everyone claiming benifits is a scournger.
It took me a year to recover from the injuries and eveni get had I needed surgery but as stated it was deemed u repairable.
UC offered me a cscs card for free and I took it from there I passed,. it was only a 3 week college course and in 2 weeks after it I got a job in the RAF.
I accepted any job I was given by agencys and got a good name for myself so always had work.
I broke my ankle in a rare way 3 years later again off for 6 months,. UC told me I could have another 6 months off but I went straight back to work slabbing heavy slabs ontop of a roof in the raf but loved it as I love the RAF.
So just know everyone that not everyone is a bum on universal credits.
Also know I suffer from generalised anxiety disorder and panic disorder and Iâm on many tablets. I never tell my work as I wouldnât be employed my doctors agree so they must know the system is flawed.
It has came to the point though that I actully canât get help from benifits because I have to much saved (perks of being good with your money) down side is if you have issues like me you try your hardest but sometimes the anaxity gets the worst of you.
I can control it with tabs but if it ever gets to far I end up in hospital which can take 2 months of recovery(panic attack each time I go from a crouching postion to a straight stand) itâs amazing as I had so much plans for my life and that fked it all up.
So I made a topic before and got flamed for it because I said people on UC can work the system with cash.
I said some can have lots of cash and when/if they know they might be needed uc etc they buy assets to take them below the limit so they can claim full uc.
I know this because I grew up on schemes. Or estates,. Or projects,. Or whatever you want to call it but you will be surprised who has cash saved then they donât when the time comes.
Iâm only bitter about this because Iâm trying my dammed hardest to never be on the dole(benifits) again but because of my health I always have the fear that Iâm only saving to the support myself being off work every single time it strikes and thatâs multiple times a day every week 365 days a year.
This maybe makes others know why I post the things I do and @Mattywallace this is why I have up and down days and have never been abroad. Not attacking you just making you aware that even though I donât cut back on everything I can still invest, afterall everyone always tells me to be positive and look a head etc even though with what I have always end in disappointment.
BUT I always recover and plod on. I know I say alot and that I go off on tangents thatâs because of adhd so Iâm sorry for the long ass posts etc and I appreciate anyone who takes the time to read them and decipher my gammer.
I know my gammer sucks I also have dyslexia but I do try correct stuff if I catch it but even spell checker canât help me most times some of my gammer is actully just auto correct constantly changing words.
Anyway I will end it here for those of you TRYING but always seem to be back and forth in the benifit system but really donât want to be I feel your pain, if youâre a person who does have this struggle I recommend trying to find some sort of loop hole like lifetime ISA and HTB(no longer happening) although I did hear of a come back a while back. Maybe someone else knows?
Thatâs it folks. Sorry if I donât make sence to most and sorry if I type alot etc and hopefully someone sees this which have been or are in the same position trying to invest with health conditions, itâs a constant loop of investing/saving to pay yourself then starting again until you maybe get on a good run.
If it wasnât for tablets I would give up investing as I would be in a perma loop of working my ass off taking any ovetime I can to then deal with what I have fking it up for me to watch everything I worked for go down the drain.
Thatâs being aware of financals, many arenât so they might not even get to the issue of having to much savings they might just be in an endless loop of work, no tax not earned enough, full benefits, work again no tax, back on benefits etc etc but hopfully others see my perspective.
Love you all sorry for the crazy ass massive post. I love this form and I love seeing everyoneâs posts everyday.
PS. I looked back at my post and I still eman what I say but I made many corrections as it was a mess. It probably still is but itâs better than what it was.
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You are doing a great job Kiava keep up the good work!
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