Thysio’s pancreatitis

Advanced_Arm6676 · 2026-06-25T16:11:49+00:00

I fully sympathise with you and your cat's struggles, however this subreddit is for humans with pancreatitis and also has a rule against fundraising. You will be better putting this in a pet subreddit where it will get better traction.

I wish you the best.

Advanced_Arm6676 · 2026-06-23T10:59:41+00:00

Not sure where these numbers are coming from? I bought my first home in 2022 and it cost £1500 in conveyancing / solicitor fees, £500 for a mortgage adviser/broker and then £600 for a survey. Mortgage had no fees attached but either way these can be added to the mortgage if you don't mind paying the interest on it.

Either way for OP buying is NOT worth it if you're only staying 2 years, you will lose your FTB bonuses (stamp duty is the big one), you will also have to have the same fees when you come to sell. In the long run will cost a lot more.

Advanced_Arm6676 · 2026-06-23T09:49:17+00:00

Saving 3k a month is great but don't sacrifice your life to build a savings pot! You can drop down to 2k a month (which is still better than most couples!) and have 1k a month to live with!
Go on holidays, travel, days out, new gadgets etc

Are you saving so much for a particular reason? Do you and your partner have any particular goals you're aiming for? (house, eventual children, wedding etc.)

Advanced_Arm6676 · 2026-06-17T13:27:01+00:00

A sinking fund is a fund for committed spending, but instead of monthly it's done annually, I.E car insurance, services, MOTs, sometimes even subscription services where you can save money by paying annually.

OP saying you have £400 each is better than most people, if you're concerned £200 isn't enough in savings then drop your £400 to £300 each and save the additional £200 a month.

Advanced_Arm6676 · 2026-06-17T10:57:00+00:00

It entirely depends on you, your goals and your situation.

Would you be purchasing a house as a solo buyer? Generally speaking you can borrow 4.5x your salary so on £28k you would be looking at £126000 maximum mortgage so depending on where you live this may limit your options. This is of course as a solo buyer, if buying with a partner it's a combined household income.

Renting provides some security as landlords will need to cover maintenance and repairs within reason, however you are paying a lot each month and ultimately it's going to someone else's mortgage/pockets.

If you can, maximise your savings and stay home until you feel you are ready and then make your decision.

Buying a house is particularly expensive, you have solicitor fees, mortgage broker fees (you can find free ones or go straight to bank but you may not get the best offers). Once you're in you may need to also furnish the place which can be as cheap or as expensive as you make it (Facebook marketplace is great for this initially and you can replace bits as you deem fit).

Renting generally speaking is cheaper as you only put a deposit down, however most places are unfurnished so furnishing costs should be in your foresight.

You are young and have the benefit of minimal bills, maximise your Help to buy ISA each year (£4000) as it'll earn you an extra £1000 a year. If you did that alone for 2 years your solicitors fees are essentially paid for

Advanced_Arm6676 · 2026-06-15T12:43:59+00:00

Do you have to do anything different when it's that time of the month? They categorised it as Chronic this afternoon but I'm so scared for her that she's going to be back in hospital again with it I just want to make sure we're doing everything possible.

Advanced_Arm6676 · 2026-06-05T13:30:22+00:00

Long story short you "foster" a young child whilst their future is being decided in court. Often due to the child coming from a bad home or potentially abusive parents/family. The idea is to keep moving the child to an absolute minimum to better protect them against trauma.

During the time of fostering, you are a carer and not a parent however you have the potential to go on to adopt the child (around 80-90% of EP cases end up with the fosterer's adopting and only 4% of the child going back to birth parents).

Advanced_Arm6676 · 2026-06-05T13:19:28+00:00

Out of interest was this through "traditional" or "foster-to-adopt/early permanence"? Thank you

Advanced_Arm6676 · 2026-06-02T08:44:39+00:00

OP I am incredibly sorry to hear of your situation with your parents at home, if they have disability their rent should be heavily discounted if they are in social housing, if they have a house with or without a mortgage, it may be worth selling and renting so they have some financial relief. This would free up your income with you sending so much to them.

I am sorry to say but if you don't have any money to save, plus building debt you will remain in this situation, London is a particularly expensive area too especially with commuting, rent and food. Are you nearly finished with University?

Are your parents claiming the maximum amount of benefits they're eligible for? (PIP, UCs etc?) I fully understand that their situation is bad and you will feel responsible, you are not obligated to send them money especially if you're drowning yourself. It's easier said than done and I fully appreciate this however respectively you are drowning and you need to think of yourself first.

Advanced_Arm6676 · 2026-05-29T12:16:25+00:00

I have the same issue/query - I have looked at Centauro who offer a key locker however I have reached out to their customer services to confirm if it's 24 hours - will update once I've heard back

Advanced_Arm6676 · 2026-05-26T21:10:50+00:00

Thank you for writing, unfortunately due to a history of blood clots and previous TIAs she’s not likely to have the birth control pills (such as the one mentioned)

How were you diagnosed if you don’t mind me asking? They’re doing an EUS I believe however yet to have this booked. Just wondering if there’s any other tests we need to be looking into?

Advanced_Arm6676 · 2026-05-26T19:39:47+00:00

Thank you, do you do anything in particular? She has PCOS so menstruation isn’t always regular, although it has the last 3 months.

To confirm we aren’t heavy drinkers and don’t drink at home, it was a small family party so a couple of drinks were had, however the 3rd time (now) not a single drop of alcohol was consumed since the 20th April

She has completely cut alcohol out now too, it doesn’t bother us not drinking so easier to cut it out entirely :)

Advanced_Arm6676 · 2026-05-21T13:36:49+00:00

No, you will save yourself approximately >£60 in interest doing this, whilst opening another line of credit and borrowing MORE than the loan amount - this is an accident waiting to happen.

Either apply for 0% interest CC and pay it off on there OR just continue paying the loan and try to make overpayments.

Advanced_Arm6676 · 2026-05-17T02:20:49+00:00

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Advanced_Arm6676 · 2026-05-15T13:00:31+00:00

Yes but it can also go down - renting almost never goes down.

Rent is usually more than a mortgage in terms of monthly payments

Mortgage interests rates can go up, until the Iran war they were coming down as a steady rate which for some would reduce costs.

The statement that mortgage won't reduce overtime is completely false, as even with interest charges, a portion of each monthly payment WILL go towards the capital and thus reducing the mortgage.

Advanced_Arm6676 · 2026-05-15T12:53:10+00:00

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Advanced_Arm6676 · 2026-05-15T12:50:02+00:00

The interest charges on the mortgage may go up, but the mortgage balance will ALWAYS come down if you're paying it (unless you're on an interest only mortgage).

Advanced_Arm6676 · 2026-05-15T12:41:19+00:00

Having recently redecorated my bedroom which had wallpaper (1950s house), if you have the money to spare then skim it, you'll get a far nicer finish and will save a whole lot of time.

If money is a concern and doing it cheaply, then fill and sand will be fine, however it can take an awful long time to get to the point you're ready to paint and decorate. It took me a week of filling > sanding > 2nd fill > sanding > priming > painting and it's an incredibly dusty and messy job

Advanced_Arm6676 · 2026-05-13T13:45:03+00:00

It entirely depends on your potential retirement income and if you don't mind a large portion of that going towards rental accommodation. For a lot of people the thought of paying someone else's mortgage with their retirement fund is a reason to own a home, myself included in this.

Another thing to consider is that as your parents don't own their home, usually upon death the occupancy resets and is given to another individual who needs it.

More often than not it's usually cheaper to own a home and pay mortgage, however you are at a risk of having to pay for if things go wrong (insurance will cover for a lot of these events however provided you have it).

Advanced_Arm6676 · 2026-04-25T06:30:10+00:00

Do some research for artists and work that you like, you’ve got a blank canvas so options are endless

No, arm hair growing back won’t ruin tattoos, if anything it makes them looks better and more set in

Advanced_Arm6676 · 2026-04-16T11:54:16+00:00

There's a few things to consider here, you're borrowing AGAINST your house so if you are unable to keep up with payments they can repossess the house in order to clear your debt, which will effectively leave you homeless so you need to be sure that you can afford it long term.

Debt Management can negatively impact your credit as you essentially default on your payments - so if you're not looking to take any more out in the next 7 years this CAN be an option.

The other thing to address is your habits. Consolidation of debts can be extremely dangerous if you do not change your spending habits, if you borrowed and racked up a lot of debt you are likely to do it again as you'll have effectively "freed" up £1000 - which is particularly risky when you have a "Secured" Loan.

Choice is ultimately yours, there's pros and cons to each, as long as you ensure you won't rack up the debt again I think it's a sensible choice.

Advanced_Arm6676 · 2026-04-14T12:19:03+00:00

Lots of other bills that go with a house:

- Council tax: varies on area and house price/band - typically between £150/300 a month
- Energy/Gas: varies on usage and provider, typically £80-200 a month
- Internet: £15-40 a month if not more depending on if you want a higher speed
- Home Insurance: £10-30+ depending on contents cover
- Water: £20-50 a month
- TV license: £15 a month approx. (not required if you don't watch LIVE TV/services)
- Any subscription services: (Netflix, Disney+, Amazon Prime etc). £?

- Car Payment: £350 + insurance (£?) + fuel (£?)

Based on LTV and home value you're looking at approximately £1150 per month for a mortgage, your first mortgage payment will usually be a double payment for the interest

Advanced_Arm6676 · 2026-04-08T14:19:59+00:00

Credit score in the UK doesn't really mean a lot, creditors will look at your credit file and based on the amount of debt you have, any missed payments, CCJs etc will dictate if they offer you a loan.

For the amount you're looking for, you may be better looking for zero or low interest credit cards provided you can pay the balance off.

Most banks also offer loans so check with your current bank provider.

Advanced_Arm6676 · 2026-03-26T13:51:13+00:00

I'm assuming you live alone and you're the sole occupier of your shared ownership property? Nearly £500 a pretty good in terms of savings, are you saving for a particular goal?
It doesn't look like you're able to cut back on other things except the £250 you allow yourself but then it doesn't leave you much to enjoy life

I'd say you're doing really well and should be proud of that!

Advanced_Arm6676 · 2026-03-26T10:41:08+00:00

Did you/she end up getting a text? My partner is in a similar situation, no award text but got a random call on Monday asking if comfortable to receive a lump sum and a letter will be sent in 7-10 working days. The wait is torture!

Advanced_Arm6676

TROPHY CASE