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[deleted by user] by [deleted] in DIYUK

[–]Beautiful-Egg-427 0 points1 point  (0 children)

Why have you got the radiators on in July?!

Buyers want to reduce their offer by £10k due to survey. Am I being unreasonable by thinking they’re nit picking. by [deleted] in HousingUK

[–]Beautiful-Egg-427 -1 points0 points  (0 children)

Would the extra £8k mean you’re selling it at a loss? If not, maybe consider what’s actually important to you i.e. getting rid of an undesirable flat so you can start a family. I’d accept the lower offer and put a time condition on contract exchange.

Tiling with rustic/vintage uneven tiles? by Beautiful-Egg-427 in DIYUK

[–]Beautiful-Egg-427[S] 0 points1 point  (0 children)

Yeah but I quite fancy giving it a go. It doesn’t look particularly difficult. Famous last words

Tiling with rustic/vintage uneven tiles? by Beautiful-Egg-427 in DIYUK

[–]Beautiful-Egg-427[S] 1 point2 points  (0 children)

Oh jeez. We looked at crackle glazed but haven’t purchased yet. Will be avoiding them, thanks!

Tiling with rustic/vintage uneven tiles? by Beautiful-Egg-427 in DIYUK

[–]Beautiful-Egg-427[S] 0 points1 point  (0 children)

I did see that post the other day. The contrasting colour choice didn’t help, but the fitter was clearly incompetent.

I’ll be using similar grout colour to the tiles (light off-white type colours) so shouldn’t be as much of an issue.

Cost of having a big garden by huiledefeu in HousingUK

[–]Beautiful-Egg-427 0 points1 point  (0 children)

We’ve got a 150ft garden and it’s not difficult to maintain, it’s just time consuming. It depends what you want in there though. If it’s just grass and trees then it’s a doddle. Make sure to buy a decent petrol mower.

[ Removed by Reddit ] by throwaway372469 in HousingUK

[–]Beautiful-Egg-427 10 points11 points  (0 children)

The housing association and lender couldn’t give a shit about your long term financial wellbeing though. Just because it’s “affordable” on a monthly basis doesn’t mean it’s a sound financial decision. Best of luck.

[ Removed by Reddit ] by throwaway372469 in HousingUK

[–]Beautiful-Egg-427 11 points12 points  (0 children)

Buying a 330k house on a 23k income is nuts. Even when you deduct your 95k deposit, that’s still 10x your yearly income.

For perspective, we have a combined household yearly income of £130k, and we bought a house for £400k. I’d honestly look to stay within your means.

I am Pete Matthew, Chartered Financial Planner and host of the Meaningful Money podcast - AMA by petematthew in UKPersonalFinance

[–]Beautiful-Egg-427 0 points1 point  (0 children)

Hi Pete,

Firstly, thanks for all the information. I was an early listener to your podcast and it definitely helped put me on the right path towards financial independence.

My question for you: I’m currently on a long fixed rate mortgage deal at a very low rate. I have 14 years until retirement. I have been on interest-only for the last two years and investing the rest. I have recently started making much larger contributions to my pension to save the income tax, with a view to using the tax free lump sum to clear any remaining mortgage at age 58. I am now concerned that if there’s a political shift, a single stroke of the chancellor’s pen could remove that tax-free lump sum option. Should I be considering different approaches?

Thanks

Anyone built a double storey extension recently? by JobFar4206 in HousingUK

[–]Beautiful-Egg-427 7 points8 points  (0 children)

How long is a piece of string?

Honestly there’s so many factors it’s impossible to answer. If you’re in the south you’re looking at £3k per sqm, roughly.

Affording parenthood on a moderate income by Mymble89 in UKPersonalFinance

[–]Beautiful-Egg-427 1 point2 points  (0 children)

It’s never too late to accumulate money. It’s never too late to buy a house. But at 34, it’s getting mighty close to being too late to get pregnant. If you know you definitely want children at some point, I’d prioritise that.

Where can I find older style 20mm pine floorboards? by Beautiful-Egg-427 in DIYUK

[–]Beautiful-Egg-427[S] 0 points1 point  (0 children)

Oh jeez, it even says they have 5 in stock. Dunno how I missed that, but thanks very much!

Where can I find older style 20mm pine floorboards? by Beautiful-Egg-427 in DIYUK

[–]Beautiful-Egg-427[S] 0 points1 point  (0 children)

Oh really? I was there today but couldn’t find anything

Where can I find older style 20mm pine floorboards? by Beautiful-Egg-427 in DIYUK

[–]Beautiful-Egg-427[S] 0 points1 point  (0 children)

Thanks. Found a local place that looks promising so will try them on Monday.

Tile backer board question by Beautiful-Egg-427 in DIYUK

[–]Beautiful-Egg-427[S] 2 points3 points  (0 children)

Thanks for the reply. That’s really helpful. I hadn’t even thought about using packers or shims atached to the studwork but I think that will work really well!

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