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You can't actually get your money back - but if you were in financial difficulties you could ask the lender to use that reserve to cover your basic mortgage payments, which would give you a bit of breathing space. So for example, your basic mortgage is £700 a month, and every month you overpay by Â...

I do exactly this - £2500 in two accounts (one is mine, one is OH's), £1000 out of our joint Santander account into each of the accounts and back home to Santander the following day. Once in a while I check the account and cream off any amount over £2500 back into the Santander account (where it ...

Every year I take a look at how much we're spending to see where we can make savings - I start with the biggest bills first. Mortgage as appropriate, check that we're still with the best utility company, and so on. This year we've made a saving on our TV and I've paid off my car thus saving a chunk ...

Brilliant work getting out of debt. Never miss an opportunity to save money - shop wisely, think about what you're buying and why you're buying it, and whether you can achieve the same thing cheaper. For example, we used to enjoy a takeaway on a Friday night. Then we (I) realised we could buy decent...

When you say it's a 'mess', what are we talking about? Going overdrawn unexpectedly? One person spending unwisely? Forgetting about big but important bills that only come around once a year? The important thing when you are organising joint finances is to talk to each other. After that, things becom...

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