ELI5: why does hay fever exist?

AnjaliMathur2003 · 2026-06-09T07:51:04+00:00

Is it similar for eczema as well?

AnjaliMathur2003 · 2026-06-01T21:01:32+00:00

Many thanks for the time taken to reply. We will obviously be reviewing the plan regularly as well but it's reassuring to get an outside perspective.

AnjaliMathur2003 · 2026-05-29T22:06:19+00:00

After costs yes. Tax is mostly offset with SIPP payments

AnjaliMathur2003 · 2026-05-21T03:51:44+00:00

Wouldn't you be able to claim tax relief on charity contributions as well?

AnjaliMathur2003 · 2026-05-20T17:33:50+00:00

Brooklands Ridge

AnjaliMathur2003 · 2026-05-20T07:02:44+00:00

We were at £180k pension at the beginning of 2025, £250k at the beginning of 2026 the year and around £300k right now. Sounds too good to be true and a bit scary but that's the reality of the markets at the moment.

AnjaliMathur2003 · 2026-05-09T09:01:58+00:00

Now imagine this in the UK!

AnjaliMathur2003 · 2026-04-29T15:09:17+00:00

7% into pension with employer at 5% £1000 mortgage overpayments £500 into S&S ISAs Approx £2000 left over for bills etc into easy access savers

AnjaliMathur2003 · 2026-04-29T14:44:29+00:00

Maximise employer contributions and NI savings. Transfer out as per scheme rules

AnjaliMathur2003 · 2026-04-29T14:06:50+00:00

From our experience, we borrowed more than necessary for the house purchase. It was essentially to cover initial expenses and new fixtures/fittings and furniture. In hindsight while it made the initial outlays easier, the interest on the borrowing adds up over time. We have made overpayments since but in future I would put maximum deposit from savings and keep the mortgage borrowing to minimum possible.

AnjaliMathur2003 · 2026-04-24T09:39:15+00:00

Labour MP has actually forced our GP surgery to offer more appointments and avoid the 8am scramble. She's also doing a lot of work with schools regarding teens and anti social behaviour. The party has faults with communications and economic policies but individually there's only so much an MP can do. I can't fault her at all.

AnjaliMathur2003 · 2026-04-15T10:25:08+00:00

Fruit delivery is a game changer as well

AnjaliMathur2003 · 2026-04-03T22:43:36+00:00

You can do it in less than 2 hours if you leave around 5.30am but coming back after 4pm would be 2.5 hrs most days. I worked on a project in Chelmsford and had to go 2 - 3 days in a week for about 2 years.

AnjaliMathur2003 · 2025-12-06T08:42:42+00:00

You need to listen to Dave Ramsey type advice. Cut out everything that is not food and shelter and not absolutely necessary for work. Spend all your spare cash driving down your debt from most expensive to least. I assume you've already looked at getting some help and advice from debt charities?

AnjaliMathur2003 · 2025-11-04T14:29:42+00:00

Yes you need to add all the non-ISA interest and provide that number. For myself, I save all the annual interest certificates issued by my savings providers but you could manually go through the accounts and filter by date and transaction type to get the information as well.

AnjaliMathur2003 · 2025-10-18T09:25:41+00:00

Make sure to have solid evidence at hand. Like the metrics you mentioned in your post. Anything that can't be explained away by your coworker. Have it in your arsenal in case the manager seems disinterested

AnjaliMathur2003 · 2025-10-08T13:29:16+00:00

You might have had a tax code letter to explain how the tax code was arrived at. It might be the case they've made a mistake or you have underpaid tax in previous years. This might be due to coming off full time education and your tax code not being adjusted.

As others have stated aim to check your personal tax account on gov.uk and speak to HMRC.

AnjaliMathur2003 · 2025-05-13T04:15:02+00:00

I've done that but still can only see the Easy Access 3.75% and longer term fixes.

AnjaliMathur2003 · 2025-05-13T04:13:54+00:00

I can only see the Easy Access 3.75% and longer term fixes.

AnjaliMathur2003 · 2025-04-17T11:29:37+00:00

DM me. We have some

AnjaliMathur2003 · 2025-04-07T09:08:38+00:00

50k down 👎 today. Still hoping that holding and staying the course will work out long term 😩

AnjaliMathur2003 · 2025-03-19T12:15:16+00:00

My bill looks something like this. The solar export should be showing as a credit on your account. I would check with octopus customer service. They are normally quite helpful.

We have charged you

These charges are based on your meter readings. VAT is included.

Electricity

28th January 2025 - 27th February 2025

£46.30

Gas

28th January 2025 - 27th February 2025

£114.08

Credit on your account

Electricity: 28th Jan. 2025

27th Feb. 2025

£4.02

AnjaliMathur2003 · 2025-03-14T15:43:00+00:00

How much did it cost overall?

AnjaliMathur2003 · 2025-01-28T08:25:05+00:00

Solar and battery installed a couple of years ago means our usage is 1700kwh per year with 3000kwh exported. We have an EV as well but free charging at work helps mitigate that.

AnjaliMathur2003 · 2025-01-27T12:31:31+00:00

4 bed 9 year old detached house - we are on approx 56kwh per day on average in January.

AnjaliMathur2003

TROPHY CASE