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There’s never an ignorant or naive question when trying to sort out your finances 😊 well done you! You should be able to transfer as long as they were defined contribution pensions. If possible, I would call the pension providers of all your old pensions to ask them what the possibilities are of transferring and get clarity there are no penalties/hidden fees in doing so. If that doesn’t work, maybe give pension bee a call as they have service that can do it for you, but of course this comes with a fee. Best of luck!

And I forgot to say, the SIPP (self invested personal pension) is just the pension account that holds your money and life strategy is a fund that you can invest in within the pension. Hope that helps!

Unfortunately you have to pay for the upgraded account to pay directly from the pot. So you would need to move the money from the pot with the basic account. So glad you found the video helpful 😊

Thank you so much for replying, I'm making my through all your videos and they are great!

I screen recorded on my laptop as well as filmed myself on a camera. And then edited it together in iMovie and used the ‘picture in picture’ setting 😊

@@FinanceDee thank you!!

I don’t actually have a fixed one so not entirely sure if you can add to it, but I do have multiple easy access saving pots so you could consider having that in addition. Glad it was informative ☺️

That’s the plan, to make my way up to £101k ☺️

Thank you so much for this comment, really rewarding to know you have found it so helpful! Good luck at Howdens tomorrow ☺️

I am not sure if it can be done in Pakistan unfortunately

So glad ❤️

Around £2k

My pleasure 😊 I’ve just had a look and apparently it depends on your area, so you will need to look it up. Type in something like “women’s physio self-referral in X” and see what comes up. Or check with your GP office. Hope that helps!

According to the government website you cannot. It states “You cannot get Tax-Free Childcare at the same time as claiming Working Tax Credit, Child Tax Credit, Universal Credit or childcare vouchers.” www.gov.uk/tax-free-childcare#:~:text=You%20cannot%20get%20Tax%2DFree,Universal%20Credit%20or%20childcare%20vouchers.

Hello. Please send me your email and I will get it over to you straight away 😊

@@FinanceDee Morning, I am still waiting for the budget spread sheet.

I responded to your comment and I’ve yet to receive an email. Please send your email address to financedee@outlook.com so I have a place to send it. Thank you!

Morning! Are you unable to see my comment? Please send your email address to financedee@outlook.com so I have a place to send the spreadsheet. Thanks!

Morning. Are you unable to see my comments? Please may you send me your email address so I have somewhere to send it. Many thanks!

Just to fit all the cupboards. Not plumbing and electrics.

Unfortunately I am not sure on this. I would suggest contacting Monzo to see if they can help you with this 😊

Welcome ☺️

Hey 😊 I didn’t have previous experience writing blogs but I have always enjoyed writing and always wanted a blog. One amazing thing about putting yourself out there on the internet is opportunities start finding you. I generally blog about finance topics that are relevant to the time or something of interest to me that I feel I can talk about. I haven’t gone into motherhood yet but honestly would love to as that’s now a huge part of my life of course. An Udemy course is never a bad idea. But my biggest tip is to find a way to put yourself out there, network, and be diligently looking for opportunities.

Pleasure ☺️

So glad you’ve found it helpful 😊

He charged us about £250 a day and it only took about 4 days to the bulk of it. My husband finished the last 10% of work.

​@@FinanceDeeThat's really good! Did you have to pay for an electrician/plumber?

Try this calculator to help you out :) www.thetipton.co.uk/our-savings/savings-interest-calculator/

I so appreciate this message! ♥️♥️♥️ I do GENUINELY intend on coming back in the near future. I just need to finish a project first and then I will be able to get back to recording, so please stay tuned 🙏🏾 😊

I did it as the overall fees were lower with vanguard (cannot recall exact figures at the time of recording) and I really wasn’t impressed with the fund choices with my employer pension. A little confused with why those reasonings make you unsure.

Thank you 😊 the drawer unit is 90cm wide.

The limit is £100k according to their website: monzo.com/blog/instant-access-savings-are-here

This would vary VERY much according to peoples personal finances and circumstances. But if you’re just curious to know what it is for me, these pots are around 10% of my income, excluding my giving and holiday pots as these can be quite a lot depending on what’s going on. Hope that answers your question 😊

@@FinanceDee thank you so much! That for sure helps😊. So do you suggest distributing the 10% across all pots? Or 10% of income for each pot? And how much of your income would you suggest goes to savings? I’m trying to live by the 50-30-20 rule and am trying to input your suggestions of distributing pots from income within the 50-30-20 rule so all help and guidance would be much appreciated :))

@laurahihaha I don’t actually suggest anything as it will really depend on personal circumstances, I was just sharing the pots are around 10% of my income. Instead of looking at all the pots as one, maybe try looking at them according to your 50-30-20 rule. For instance, fun money and pampering would be a part of wants so should be within the 30% of your income allocated to that. Car insurance and home insurance would be a part of essentials (50%) and giving would be a part of financial goals (20%). So you would still need to make sure you’ve got enough budget for all the other things in those categories as well as your pots. Hope that helps!

I’m so glad 😊

I really am overdue making this!! It’s been 2 years with my kitchen now so I am in a good place to share regrets. Stay tuned, it will be coming 😊

Pena marble: www.penamarble.co.uk

@@FinanceDee You’re a star!! I’m liking and subscribing right now!!

@ToriSoboro aww thank you 🥰

Click on a pot and then scroll down to ‘pot details’ then click on ‘pot summary’ and the details are on that. From what I can see the limit is £250k

Unfortunately it was one of those friend of a friend random occurrences and it’s not even a business 😞

They are out of the market for about a week only it seems. It’s not very clear to be honest, but definitely not the entire time the process is on-going.

The only way I can see this is happening is if the nursery was to refund you and then you process the payment again. The scheme won’t back pay you unfortunately as you need to put the childcare fees through the online portal.

Investing? The instant saving pots are just for saving so essentially no risk.

Haha yes! Funny you say that as I just completed a product switch and am going to make a video about it 🙂 planning to have it up either this weekend or next so stay tuned!

I’m so sorry for this! I will be adding links - great idea 😊

Hello. I can’t provide exact figures because there’s no crystal ball but the concept is if you were to sell the first house you would get whatever equity you have in the house at the time. Equity will depend on how much you have left on your mortgage and how much the house is valued at the time of selling. Remember, house prices can go up and down, so there’s no 100% guarantee that you would get all of your deposit back if the value of your house went lower than the amount you paid for it.

Understood, thanks very much.😊