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I want ask you something

How are you mam

Hi

This was the ONLY pension video that told me what I was looking for...thank you.

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Hello, I forgot to leave a thumbs up after watching this video, then I came back to do the needful because you earned it with this valuable, concise, and simple explanation 👍

western countries should have some common sense if they go on putting sanctions on countires like russia, iran venewzula where do other countries buy oil, gas and other energy resources who will give cheap russian gas etc.. if you ban them thats why energy prices are increasing even now

I’m with Monzo and I’ve got there Monzo max which is £17 could u do an updated version of the short please

What happens if I only worked in April this tax year, then took a 4 month break and about to start again in September. My salary means I’m a higher rate tax payer but because I was out of work for 4 months, my total earning bring me back down to basic rate. I didn’t get my p60 from my employer who has now gone bust. How do I ensure my full remaining tax free allowance is spread between September and next April (and not the monthly average) so that I pay the correct tax and I’m not out of pocket?

Is it better to spread your OMP over the 52 week period? Do you pay less tax in total?

How do we make use of that Cashback is what I'm interested to know. Could you share that please?

welp we all start somewere

❤

Amazing video x

Thank you super helpful

Hi Good video I love sterling bank 🇬🇧😁

Mine is going to arrive soon

I don't have this option, and as I'm outside the UK, I cannot also order a physical card, which means that starling is completly useless for me!

Any chance of an update regarding the changes to teacher's pensions?

I save a lot by paying for my phone service annually.

I'm truly a beginner, and math-challenged, too. So this is a basic monthly plan that I should copy and fill out for each month? My circumstances change a bit, so that's my understanding so far. I have a huge expense coming up soon and I'm anxious about it. Learning to budget seems like the smart thing to do.

Thanks a lot

I've got both, but I prefer Starling because it feels like just a bank account whereas Monzo feels like its trying to upsell to me. Been using spaces to segregate my bills and actually naming my savings goals, shows me exactly how much is going out each month

Just tried to set mine up and apparently the feature is not widely available, only for those who fulfil an undisclosed eligibility criteria, which they seem quite reluctant to share

I love the account

I have starling bank account

Should you take the lump sum?

I got my p45 and there all the taxes very high and i find out there is wrong tax code so what i can do right now ?

Hi. Do u get taxed on smp? Or is the 736 a month your bring home?

How do you get a physical card? And how do you use the virtual card? (I'm not interested in bill-splitting.)

Hi, helpful but please don’t shout..🙀

Can I ask my employer to increase from 3% contribution? I have already increased my pension to 9% but I didnt ask the question at the time

How to get overdraft through sterling bank

I don't think my money is safe miss

😮😊

I have big concerns with NHS pension. Firstly the word scheme straight away makes it sound like a scam. The NHS Pension Scheme is a statutory, unfunded, defined benefit occupational pension scheme backed by the Exchequer. The Exchequer is the account at the Bank of England in which is held the Consolidated Fund, into which tax receipts and other public monies are paid. so we know the government are outright criminals and that the UK is in trillions of pounds of national debt. We also know that there are tremendous amounts of protests happening in the entire world and also many millions of people not paying tax as a consequence of governments actions. We also know governments are wasting billions of pounds on pointless wars. They now raise the pension age to 67 which is very concerning. Most likely because lack of funds. But all this aside, the governments are printing money which devalues the pound meaning you can buy less for that £1 also prices for literally everything is going up. So with devaluation and inflation and our jobs not auto paying us more to counterbalance it, the pension is not worth it. I worked it out that il get more money saving the same amount in an ISA at 3.9%. If i bought gold instead of saving it then gold prices keep rising so would be worth way more. As far as I can tell the NHS pension money is not directly invested and the UK has fallen to its knees in many many crisis right now so it is extremely risky to invest your hard earned money with them.

I spy Harry Potter books 📚 😂 Did you put money into savings on mat leave? What percentage is reasonable?

if I am joining in the february month at 63000 pounds per month , am I taxable for the year?

Turn the video onto 1.5 speed. You’re welcome.

Very informative, thank you

This video does not talk about features e.g. how to find messages. How to communicate with Starling.

This video does not talk about features e.g. how to find messages. How to communicate with Starling.

It is more then useful...thank you for your time much appreciated!

Hi Thanks for this I'm a post 2015 teacher on the Average salary scheme. After consulting the TPS i was made aware that I would be able to access my pension before thw age of 60. 58 to be exact. In your video you mention 65/68 to access the pension? Has something changed in the intervening years?

i have issued a tax code from L to K i was self employed in 2022/23 and declare a dividend which i have paid taxed and submitted self assessment. In 2023/24 due to health reason, i become unemployed and contacted HMRC that i will end self employment. In december 2023 i have secured a employment job after 9 of inactivity. Checking my tax code, HMRC assume that i will make a dividend and or have a second income for this current year which is inaccurate. I went online to rectify the error but their form is not really cleared what to tick and which amount i need to state is incorrect. Could you assist

I am an International student. Is this an applicable for me? I am earning less than 12,570 and my husband earn around 30,000 per month with two different jobs.

Thanks for sharing this educational take. We never stop learning.

I recently stumbled upon this insightful TH-cam video, "12 UK Personal Finance Lessons That Changed My Life," and it genuinely left a lasting impact on my financial perspective. It was recommended to me by TH-cam while I was exploring personal finance content, and I'm grateful for the recommendation. The video provided practical and valuable lessons that are applicable to anyone looking to enhance their financial well-being. I've already clicked the like button and subscribed to the channel for more empowering content! 🌟 #FinancialWisdom #TH-camGems

I never new about this. I was always moving money the night before from a Bill's space for my Spotify payment. So I add these card details from my virtual card to my Spotify account and then my Spotify payment will come straight out without me needing to move it?

Hi, I’m planning to get an account, can I go to Spain and use Apple Pay or card to pay without extra charges?