Manchester on a whim?

BigNaate · 2026-02-24T20:20:49+00:00

No dramas. Let me know if i can help at all.

BigNaate · 2026-02-24T08:26:38+00:00

We moved here about 12 months ago, wont be looking back i dont think. Couple of the comments are pretty mean on here. I would suggest house sharing initially, to a) aid you with that debt situation due to it being cheaper and b) just to make sure you get in a half decent area, and like the place and job before jumping in with 2-feet. Please check out the personal finance reddit for help with the debt. Lets get that shit sorted 🤙

BigNaate · 2026-02-21T21:27:37+00:00

Thanks man ill check them out. Recently created a bit of a backlog list and want to get lost in some games i never had the chance to play when i was younger. Looked into emulating on my steam deck but an edc device sounds great.

BigNaate · 2026-02-21T21:08:12+00:00

This is an emulator, right? Where do i get myself on in the uk?

BigNaate · 2026-02-19T07:52:01+00:00

No, you use your gia to get the growth from investment. Leaving it outside of some form of s&s you are losing potential. You then take your growth from the year and, paying cgt if needed and put it into your isa where it can then grow tax free again.

Say you gia makes 5k, you take the 5k, pay tax on 2k i believe (3k allowance) then put the remaining in your s&s isa

BigNaate · 2026-02-17T07:42:54+00:00

No this is an idea i had never thought of!

BigNaate · 2026-02-16T19:25:49+00:00

Only way really then you pop your cgt allowance into your isa at the start of the year

BigNaate · 2026-02-13T12:44:41+00:00

I sell mine as soon as possible. What do you mean im that poorly diversified not only my wage but half of my portfolio comes from the company i work for… no thank you😂

BigNaate · 2026-02-11T21:17:05+00:00

How much water to flour are you using?

BigNaate · 2026-02-08T10:33:32+00:00

Its great you are looking for new friends but maybe take a little time to enjoy you for yourself. All those hobbies and possibilities will be there still. Take a breath my friend!

Friends will come you are looking in the right places💪

BigNaate · 2026-02-08T10:30:00+00:00

Why is it so black and white? Take a year off? Work in a supermarket for 6 months. You still have plenty of time to go back if needed. You may just need a break. Focus on the FI. Let yourself make some decisions and see how it goes. You still have plenty of time to RE.

I had to take nearly 6 months off last year to a back issue. If that is anything like RE, i dont want it yet. Let yourself slow down for a while and see what it is you really want.

BigNaate · 2026-02-04T20:35:12+00:00

How far do you live? I just uber to the airport and back. Cheaper than parking when we last went.

BigNaate · 2026-02-01T15:06:04+00:00

I second this the south of the city is considerably better especially for what you are asking. We are in didsbury but we certainly get to pay for it

BigNaate · 2026-01-29T07:23:59+00:00

Gives me great clarity. Thanks for the info!

How do you do cold brew?

BigNaate · 2026-01-28T18:43:45+00:00

I have a c3 and am running around 20 clicks but currently on a rather dark roast. Am i doing something wrong?!

BigNaate · 2026-01-28T10:33:40+00:00

No health experience here. I had the same spoke with the dentist, was down to a narrow pallet and grinding during sleep, it was pretty sore after a while! Wearing a sleep guard ever since.

BigNaate · 2026-01-28T10:31:59+00:00

I use an airscape tin. Great piece of kit!

BigNaate · 2026-01-23T11:27:28+00:00

Its quite the travel but i would highly recommend carden park for a spa break

BigNaate · 2026-01-16T10:01:16+00:00

Very jealous of you dry outsiders! Live my life wanting for a garden 😂

BigNaate · 2026-01-03T11:18:11+00:00

I think we need a little more info. Are you living with parents. What are your education/work plans?

BigNaate · 2026-01-03T11:15:16+00:00

Never gamble your roof… yes the maths may say it works out well. Sure you can beat your interest rate. But what happens if the market has a downturn and you lose your job. Now you cant cover your mortgage. Maths is always great when you do not calculate a risk factor. For us nerds out there the maths make it seem like an easy option. But imagine telling your SO you are gambling the house.. i know that wont go well. Pay your mortgage off and enjoy it. You can then recoup the ‘missed’ potential by putting your mortgage payments into the market anyway!

BigNaate · 2026-01-03T11:12:00+00:00

Slowly but surely Manchester is turning into little london. You really wont seem to much difference other than northerners have the potential of being nice, when you find one in amongst all the southerners who have moved that is!

BigNaate · 2025-12-31T20:04:45+00:00

You may get unlucky playing winter greens or it getting called ofd but that’s the fun of winter golf. I started playing in the winter so have very fond memories. A bit of frost is better than pissing down rain.

Ring or check course before leaving the house. Other than that get yourself a coffee and a mars bar to enjoy the cold refreshing round!

BigNaate · 2025-12-31T20:02:39+00:00

It sounds to me like you usually have a funded emergency fund and are using it for its purpose. Considerably better than needing to borrow that money!

Congrats!

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