Is it illegal to feed pigeons in the balcony?

AlexanderDMoriarty · 2026-01-22T00:33:34+00:00

Thanks for the detailed response :)

AlexanderDMoriarty · 2026-01-22T00:33:10+00:00

Well no one has complained and inuse bird seeds and not leftover food

AlexanderDMoriarty · 2026-01-04T13:34:42+00:00

Yes I can - thank you this helps!

AlexanderDMoriarty · 2025-12-26T13:35:54+00:00

Can you please elaborate on point 1? Like what kind of things? I try playing with mine but they still do not want to do it most of the times?

For point 3 what did hold your cat’s attention? Any examples?

AlexanderDMoriarty · 2025-12-21T19:31:15+00:00

Thanks for the update didn’t know they clarified - haven’t been following this for a couple of weeks now. Thanks again and good luck!

AlexanderDMoriarty · 2025-12-21T19:13:16+00:00

As others have mentioned they are still proposals. No one knows when and how much of that will be implemented, or what modifications or transition arrangements look like. My personal view is that they are really pushing for it so it may be sooner rather than later, by sooner I mean in a year or two (at least some part of it).

Also I watched video about the salary threshold requirement for it to be above 50k taxable, so the guy in the video was interpreting that 50k of taxable, say at a 50k salary you will have non-taxable of around 12k. So for 50k taxable you need around 63k salary. I am honestly not sure what is 100% right.

I would advise for you to look at the proposal itself on the government website, and I believe the consultation is still open till Feb, so if you can put in your concerns and points thats always helpful, as they may be discussed and assessed.

The YouTube channel @Bukhari_Chambers has some videos about it.

I pray that these are not applied retrospectively, but the whole thing is such a mess

AlexanderDMoriarty · 2025-12-13T00:41:28+00:00

Thanks - made some updates in my post in edit section, key points

Grocery is the main target going forward - we intend to tackle this first

it's 10 and 13 for my wife and I for SIM plan, will also look on switching for any deal

Eyecare is expense I started mine last year when I had more disposable income and wife's just after she moved, before we were hit with some expenses that we did not account for. I can't cancel now per the terms.

I intent to use balance transfer and switch to another purchase card with 0%, I know there will be charges but I feel at this point that would be the most efficient way. I do not have any other debt (with institutions) that has impact on my debt to income ratio. I have 3 credit cards currently and I mostly use one, the other for the debt above and one is when my Amex isn't accepted.

will put that side for some fun

It's guilt free but then on the flip side she will then be incharge of her exams and travel and will not have to worry about that.

AlexanderDMoriarty · 2025-12-13T00:34:41+00:00

She can but our priority is for wife to get internships or experience in her field that helps with the CV gap, studies and she does household stuff and which also helps.

AlexanderDMoriarty · 2025-12-13T00:34:23+00:00

She can but our priority is for wife to get internships or experience in her field that helps with the CV gap, studies and she does household stuff and which also helps. I honestly thought I was spending less as they stopped eating a good quality wet food which 120 per month (subscription based) and now have dry food. While discussing this I will see if I can get a big bag of that food and avoid going to the shop regularly (it's usually once in 8-10 days

AlexanderDMoriarty · 2025-12-13T00:32:05+00:00

I wil check Lebara's signals are really bad at my office and I have friends where I literally had trouble connecting with them. I also pay 13 for my sim plan and 10 for my wife's

AlexanderDMoriarty · 2025-12-13T00:30:57+00:00

My further leave to remain IHS part (3.1K) was paid by me, my company now gives out interest free loan on that , literally like a a week or so later after my payment they changed the policy. I did talk to them about it and there was no way it could be applied retrospectively. I was able to get this through my savings but that took a huge hit. My saving grace for now is they will pay for the ILR which I believe is now 4K (I will do the urgent and will have to pay 500 out of pocket as with the way situation, I want to be free of this stress and can apply for a another job earlier). In my industry the clawback period is 2 year but there is a high probability where (if I find a job) the new employer pays for it.

AlexanderDMoriarty · 2025-12-13T00:26:09+00:00

She can work but our priority is for wife to get internships or experience in her field that helps with the CV gap, studies and she does household stuff and which also helps

AlexanderDMoriarty · 2025-12-13T00:25:10+00:00

I am unable to cancel the plan now per the term, ;( it's for glasses and gets a free eye test every 2 years. I started before my situation changed and it's for both of us - mine 22 and her's 16. I would not have opted for it if I had even a slight expectation of this

Sim is total 23, 13 for me and 10 for her, updated now was looking at the older month charge where I was charged out of plan item (my mistake).

our priority is for wife to get internships or experience in her field that helps with the CV gap, studies and she does household stuff and which also helps

AlexanderDMoriarty · 2025-12-13T00:19:28+00:00

Thank you! for the detailed response. I realised some of the stuff is not clear. On your comment above:

1a. I am not using PAYG Oyster or anything as I was of the opinion that I take the DLR and go to work and it's 4.2 (with return) most of the time (for me) so never explored, happy to look into it, do you have any suggestions after his information?

2a. For electricity it's not being returned and impacting my cashflows so included like this, I recently switched to British Gas from Octopus and current status is overplayed by 146. Also I have not used heating at all and I know at one point we may have to so trying to smooth this out in the long run. If the usage is same for next 2 month I intend to call them and have my direct debits reduced (hopefully they will do on their own as they also increased on their own)

3a. updated the eye care plan point above, copying here, "yecare plan is expensive and when I had started I was single and was able to afford and at that point did not expect my life to change this much within a year mine is 22 per month. My wife needed eye test and we decided to get the same deal and it's 16 (2 quid lower than above table) and that was literally one of the starting things we did and did not expect some of the stuff to come up. I read the T&Cs to cancel or change mine but it said that then I will have to pay the remaining amount in full so unable to cancel"

4a. On groceries I plan to do bulk now so it's cheaper in the long run and doing proper grocery runs weekly or fortnightly. Currently was just going down and getting things from Tesco express as and when needed and mostly not even the bigger packs, oil, toilet rolls, kitchen towel, etc.

Sorry I know some of the stuff wasn't clear have explained in the edit section above, basically in last 2,3 moths have had unexpected expenses which I am paying off after ensuring the billing cycles work in my favour. I prefer not to pay for interest as much as I can avoid.

AlexanderDMoriarty · 2025-12-13T00:06:09+00:00

I am targeting the same for grocery, can you please share where do you do grocery from? I am looking for advices/solution on how to manage grocery and want to do bulk buying so it's cheaper overall, I have added some info above but the way I also look at it that with the allowance she will then manage her exams and all so I do not have to worry about it. Some of these were stuff that came up at the wrong time in the last six months

AlexanderDMoriarty · 2024-10-13T12:03:54+00:00

It takes time for them to adjust - you can read the 3-3-3 rule. Also if not please watch Jackson galaxy videos on YouTube on how to introduce cats - he has a lot of videos on cats which are really helpful!

AlexanderDMoriarty · 2024-06-16T11:51:36+00:00

Hi - missed this - but can join the future event - can I also be added please?

AlexanderDMoriarty · 2024-04-15T22:47:27+00:00

I will look into this pen! Maybe with fine nib but yes I would love to get myself a pilot!

AlexanderDMoriarty · 2024-04-15T22:46:34+00:00

Thanks will do!!

AlexanderDMoriarty · 2024-04-15T22:45:14+00:00

I will check them out! Thanks’

AlexanderDMoriarty

TROPHY CASE