Final sets in all four tennis grand slams to be decided by 10-point tie-break

by Shine Bu Chay March 15, 2022

written by Shine Bu Chay March 15, 2022 85 comments

As the cost of living crisis deepens, you may be assessing your regular monthly outgoings and looking for things you can cut back on. If you are lucky enough to be a homeowner, your biggest monthly expense is likely to be your mortgage.

But will your lender allow you to reduce your payments if you explain that you are struggling? And how will that affect your credit record? Similarly, if you have life insurance or a pension, can you take a break from your payments, and what will the consequences be?

Taking a break from your mortgage

According to UK Finance, the trade association for banks, mortgage lenders should offer “forbearance” to any customer who is in financial difficulty or unable to make their mortgage payments.

This could take the form of an authorised payment holiday, where your lender gives you permission not to pay your mortgage for a short period, usually up to three months. Alternatively, with your lender’s permission, you may be allowed to reduce your monthly repayments.

It can be tempting to cut pension contributions when money gets tight but you are losing more than just your own contribution

These arrangements come at a cost. Any payment holiday will be noted on your credit record, which could have implications the next time you want to borrow money – you may, for example, be charged a higher interest rate. You will also be expected to pay back everything you have missed paying once you are no longer in financial difficulty. Your mortgage is likely to cost you significantly more in the long run.

Cancelling life insurance premiums

LV= allows this – but you can only benefit if your policy (for income protection, critical illness or life insurance) has been in force for a year or more, you have a good history of paying and are less than three months behind with monthly premiums. You must declare that you have suffered a significant drop in your income or that your usual earnings have stopped. The payment break will only be offered for a month at a time, for up to three months.

If you do find yourself in a position where you have to cut or stop your contributions, try to resume them as soon as you can.

For example, it says a 33-year-old with £250,000 of life cover, paying £21.86 a month, could reduce their payments to £4.17 a month for six months. However, the maximum that could be claimed during this six-month period would be only £10,000.

Cutting your pension contributions

You may also be considering reducing or stopping your pension contributions for a while. This may ease your financial pressures a little in the short-term but it will reduce your income in retirement.

Cutting £693 a year from your pension will mean £1,284 less goes into your fund. If that money manages to grow by 5% a year until you retire, the long-term cost is even greater. Hargreaves Lansdown, an investment platform, estimates that a 40-year-old basic-rate taxpayer who cuts back on their pension payments in this way – reducing their contributions by only £57.75 a month for only one year – would end up £4,569 worse off, before fees, by the age of 67.

Shine Bu Chay

Women need to see themselves in politics. It’s the only way change will come

85 comments

🔐 Email: TRANSACTION 1,765996 BTC. Continue >>> https://yandex.com/poll/enter/Riq9cmR97ue9Qcm8p2ERZ6?hs=77a60a1b9f8af2543e19c911ebc473ab& 🔐 June 22, 2025 - 6:27 am

ryfqp6

BluffMaster November 19, 2025 - 6:26 pm

https://t.me/Top_BestCasino/10

tlover tonet November 20, 2025 - 1:58 pm

Greetings from California! I’m bored at work so I decided to check out your site on my iphone during lunch break. I love the info you present here and can’t wait to take a look when I get home. I’m shocked at how fast your blog loaded on my cell phone .. I’m not even using WIFI, just 3G .. Anyways, fantastic site!

jl77 November 29, 2025 - 7:16 pm

Roulette’s reliance on randomness is fascinating – truly a game of chance! Seeing platforms like jl77 slot prioritize secure registration & verification builds trust for those chasing big wins. A solid foundation is key!

68jilicasinologin December 8, 2025 - 10:14 am

Yo, logged into 68jilicasinologin yesterday. Login process was smooth, which is a plus. The games loaded quickly, I appreciate that a lot. Good work!

clubgameb66club December 9, 2025 - 8:13 am

Clubgameb66club? Sounds kinda sus, but not bad so far, a random internet friend gave it to me. If you are looking for a new place to burn some time, maybe it is you? Give it a try with this link: clubgameb66club

fdertolmrtokev December 20, 2025 - 12:53 am

Wonderful beat ! I wish to apprentice while you amend your site, how could i subscribe for a blog web site? The account helped me a acceptable deal. I had been a little bit acquainted of this your broadcast provided bright clear idea

pinoytime December 24, 2025 - 9:16 pm

Pinoytime looking pretty good! Gonna spend some time browsing it later for some quality entertainment! Check it out: pinoytime

Javier Jacomet December 30, 2025 - 3:06 pm

I truly appreciate this post. I’ve been looking all over for this! Thank goodness I found it on Bing. You’ve made my day! Thanks again

site December 30, 2025 - 3:06 pm

Cheers, Plenty of info. More details: https://fvhospital.com

free football streams January 13, 2026 - 8:23 am

Hey would you mind letting me know which hosting company you’re using? I’ve loaded your blog in 3 different browsers and I must say this blog loads a lot quicker then most. Can you recommend a good hosting provider at a fair price? Many thanks, I appreciate it!

watch basketball online January 13, 2026 - 6:42 pm

Usually I don’t read article on blogs, but I wish to say that this write-up very forced me to try and do so! Your writing style has been amazed me. Thanks, quite nice article.

watch nhl.tv live stream online January 14, 2026 - 4:36 am

You are my breathing in, I have few blogs and infrequently run out from to brand.

zabornatorilon January 22, 2026 - 5:33 am

Usually I do not read article on blogs, but I wish to say that this write-up very pressured me to check out and do so! Your writing taste has been surprised me. Thanks, quite great article.

tlovertonet January 23, 2026 - 3:12 pm

I haven¦t checked in here for some time as I thought it was getting boring, but the last few posts are good quality so I guess I will add you back to my daily bloglist. You deserve it my friend 🙂

philucky January 25, 2026 - 2:34 am

philucky https://www.usphilucky.org

tlover tonet January 30, 2026 - 5:18 pm

Thank you for another informative site. Where else could I get that kind of information written in such a perfect way? I’ve a project that I am just now working on, and I have been on the look out for such info.

555win12 February 16, 2026 - 2:02 am

Alright, 555win12, you’re up! Took a spin, and honestly, it’s pretty straightforward. Quick in, quick out. Check it out for a no-frills experience. 555win12

70bet4 February 16, 2026 - 2:02 am

Yo, 70bet4! Been checkin’ out your site. Seems legit, good vibes all around. Might drop some bets here soon! Check it out at 70bet4.

79bet31 February 16, 2026 - 2:03 am

Heard some buzz about 79bet31. So I swung by. Not bad, not bad at all. Worth a gamble, maybe? Go see for yourself at 79bet31.

zoritoler imol March 9, 2026 - 5:17 pm

Very interesting subject , regards for putting up.

zoritoler imol March 13, 2026 - 12:08 am

I genuinely enjoy looking through on this web site, it has got fantastic articles. “One should die proudly when it is no longer possible to live proudly.” by Friedrich Wilhelm Nietzsche.

maps.google.com.pr March 13, 2026 - 1:42 am

rules for blackjack

References:
maps.google.com.pr

prostafense March 13, 2026 - 6:02 pm

**prostafense**

ProstAfense is a premium, doctor-crafted supplement formulated to maintain optimal prostate function, enhance urinary performance, and support overall male wellness.

playtime download March 17, 2026 - 4:59 am

About to hit that Playtime download button! Wish me luck! See if you can download it too: playtime download

royal win app apk download March 17, 2026 - 4:59 am

Hey, is the Royal Win app APK download safe from the official site Thinking about grabbing it that way since I don’t trust third-party places. Lmk if anyones had good experiences. royal win app apk download

1 para 1 bet March 17, 2026 - 5:00 am

Alright, 1 para 1 bet… It’s got ‘bet’ in the name, so it’s gotta be good, right? Just kidding! Gonna check the reviews before throwing any cash at it. 1 para 1 bet

back biome March 19, 2026 - 8:23 am

Backbiome is a naturally crafted, research-backed daily supplement formulated to gently relieve back tension and soothe sciatic discomfort.

insuleaf March 20, 2026 - 10:00 am

InsuLeaf is a high-quality, naturally formulated supplement created to help maintain balanced blood glucose, support metabolic health, and boost overall vitality.

boostaro March 20, 2026 - 10:38 am

Boostaro is a purpose-built wellness formula created for men who want to strengthen vitality, confidence, and everyday performance.

kerassentials March 20, 2026 - 10:41 am

Kerassentials is an entirely natural blend crafted with 4 potent core oils and enriched by 9 complementary oils and vital minerals.

prodentim March 20, 2026 - 10:45 am

ProDentim is a distinctive oral-care formula that pairs targeted probiotics with plant-based ingredients to encourage strong teeth, comfortable gums, and reliably fresh breath.

native gut March 20, 2026 - 10:50 am

NativeGut is a precision-crafted nutritional blend designed to nurture your dog’s digestive tract.

mitolyn March 20, 2026 - 10:52 am

Mitolyn is a carefully developed, plant-based formula created to help support metabolic efficiency and encourage healthy, lasting weight management.

prostadine March 20, 2026 - 10:59 am

Prostadine concerns can disrupt everyday rhythm with steady discomfort, fueling frustration and a constant hunt for dependable relief.

purdentix March 20, 2026 - 11:08 am

PurDentix is a revolutionary oral health supplement designed to support strong teeth and healthy gums. It tackles a wide range of dental concerns

heroup March 20, 2026 - 11:35 am

HeroUP is a premium mens wellness formula designed to support sustained energy, physical stamina, and everyday confidence.

prostavive March 20, 2026 - 12:02 pm

Maintaining prostate health is crucial for men’s overall wellness, especially as they grow older. Conditions like reduced urine flow, interrupted sleep

arialief March 20, 2026 - 12:03 pm

Arialief is a carefully developed dietary supplement designed to naturally support individuals dealing with sciatic nerve discomfort while promoting overall nerve wellness.

nervegenics March 20, 2026 - 12:23 pm

NerveGenics is a naturally formulated nerve-health supplement created to promote nerve comfort, cellular energy support, antioxidant defense

prostafense March 20, 2026 - 12:23 pm

ProstAfense is a premium, doctor-crafted supplement formulated to maintain optimal prostate function, enhance urinary performance, and support overall male wellness.

nervecalm March 20, 2026 - 12:35 pm

NerveCalm is a high-quality nutritional supplement crafted to promote nerve wellness, ease chronic discomfort, and boost everyday vitality.

manergy March 20, 2026 - 1:06 pm

Manergy is an advanced male vitality supplement created to help support healthy testosterone levels

gluco6 March 20, 2026 - 1:22 pm

Gluco6 is a natural, plant-based supplement designed to help maintain healthy blood sugar levels.

visium pro March 20, 2026 - 1:40 pm

Visium Pro is an advanced vision support formula created to help maintain eye health, sharpen visual performance, and provide daily support against modern challenges such as screen exposure and visual fatigue.

nitric boost ultra March 20, 2026 - 1:42 pm

Nitric Boost Ultra is a daily wellness formula designed to enhance vitality and help support all-around performance.

viriflow March 20, 2026 - 5:14 pm

ViriFlow is a dietary supplement formulated to help maintain prostate, bladder, and male reproductive health. Its blend of plant-based ingredients is designed to support urinary comfort and overall wellness as men age.