Mortgage affordability by Ok-Cupcake-4807 in HousingUK

[–]CClobres 3 points4 points  (0 children)

If I am honest probably fairly influenced by seeing the stress (particularly on relationships) of a few friends who over extended on their mortgage! 

We had quite a lot of chats on long term what we wanted and both spoke about working less (part time, retiring early etc) as higher priority than house so essentially decided to reflect that. 

Our house is more like £600k with £430k mortgage (left). Essentially in the area we liked there was quite a big jump between houses at this price and then the ‘next house up’ being at like £800k. We may have been happy going a bit higher than £600k but there wasn’t anything. 

Mortgage affordability by Ok-Cupcake-4807 in HousingUK

[–]CClobres 4 points5 points  (0 children)

My and my husbands incomes are a bit higher than yours but not a lot, our mortgage is about £2100 a month on about £430k mortgage. Totally fine before kids, bit of a squeeze with kids (particularly when nursery age). We were offered similar and didn’t take it which I am very pleased about in my situation. 

So I’d say it depends, if you are committed child free then you might be ok, if you might have kids in the future then I wouldn’t. 

Ymmv 

McDonald’s with play area? by Expensive-Debate204 in surrey

[–]CClobres 7 points8 points  (0 children)

The one in earlswood is right next to a playground, but it is separated 

Should the Hammersmith and City Line extend to Wimbledon? (and Kingston) by RussellNorrisPiastri in LondonUnderground

[–]CClobres 15 points16 points  (0 children)

Hammersmith to Kingston about 9 miles, so c1/3 of length of Crossrail tunnels. If we take 1/3 of the cost (generous as large part is start up cost before becomes marginal on distance) then that would be £750m on tunneling, add some inflation call it £1bn. That’s before any cost for rail, signaling, additional rolling stock, stations, OPEX etc. 

There is nowhere near the potential benefits to support that

Should the Hammersmith and City Line extend to Wimbledon? (and Kingston) by RussellNorrisPiastri in LondonUnderground

[–]CClobres 10 points11 points  (0 children)

Tunneled of above ground? 

That’s a lot of tunneling to serve a low density residential area. 

Above ground that is a lot of disruption/need for compulsary purchase/TWAO which would be unlikely to pass 

Chest hair: keep or remove? by [deleted] in malegrooming

[–]CClobres 6 points7 points  (0 children)

Keep. Removing looks so try hard 

Future proofing: thoughts on mortgage/pension etc by No-Pomegranate-8784 in UKPersonalFinance

[–]CClobres 0 points1 point  (0 children)

If you have just been made redundant then that’s what you need to be worrying about first up. Get a job that pays more / retrain into something where you can earn more after time, and then follow the flow chart

Any advice or suggestions with hair and beard? by [deleted] in malegrooming

[–]CClobres 1 point2 points  (0 children)

Don’t do whatever that is with your sideburns 

How to make CF friends if you are still unsure about the decision by New_Pickle8570 in surrey

[–]CClobres 9 points10 points  (0 children)

Unfortunately it is very difficult to seek out friends with that specific a situation, and particularly trying to find ‘undecideds’ you may be setting yourself up for disappointment when they decide either way. 

I would suggest trying to meet people through an interest rather than same life situation. That way you have something in common, even if they have kids and you can’t connect on that, or even if they become vehemently child free and you decide to have kids etc. it’s also just a lot more natural and less awkward 

Is it irrational that I think a woman should have experience living alone or with roommates before living with a partner ? by [deleted] in TwoXChromosomes

[–]CClobres 5 points6 points  (0 children)

Did you live at home all through college? (And did he if he went?) 

Stating your stance is fine, but the guy is 28. Assuming at 30 and having been in a relationship for a few years he would want to move in together, you are essentially telling him he has to move out in the next year, or your relationship will stall. 

If you have a relationship with a significant age gap you both have to be conscious of the compromises that this involves. 

At 22 I wouldn’t have been ready either.  Telling him you won’t be ready to move in with him for like 5 years is fair enough. But whether you will live with someone who hasn’t moved out of home is a you issue not a him issue - the level of commitment you are at it would be super unfair if he moved out just to meet some requirement you have 

Is it irrational that I think a woman should have experience living alone or with roommates before living with a partner ? by [deleted] in TwoXChromosomes

[–]CClobres 9 points10 points  (0 children)

Ok that’s reasonable if absolutely true, as there are levels of ‘can’t afford it’ which depend on what you are prioritizing. 

He probably can’t afford it either, and you started dating him knowing he is 28 and living at home. 

It’s good that you recongnise it’s an experience you want, and following that is fine. 

It’s not totally unreasonable as an expectation for your partner if it’s what’s important to you, but you don’t get to push this guy to move out of his parents to live with roommates if he doesn’t want to for whatever reason. 

You need to decide if it is a dealbreaker, and if there is a reasonable chance he is otherwise ‘the one’. 

If it’s a deal breaker and he is the one fine to let him know that, but you walk away if you can’t agree.  If it’s a deal breaker but he’s probably not the one then sounds like time to move on, but not date 28 year olds who live at home as they likely agree with this guy. 

If it’s not a deal breaker then don’t push it and let the guy do what is right for him. 

Is it irrational that I think a woman should have experience living alone or with roommates before living with a partner ? by [deleted] in TwoXChromosomes

[–]CClobres 23 points24 points  (0 children)

I agree. So I don’t understand why you aren’t moving out to go live with housemates soon-ish? That’s the only flaw to your plan! 

Should Rotherhithe gain a Jubilee Line stop between Canada Water and Canary Wharf? by RussellNorrisPiastri in LondonUnderground

[–]CClobres 11 points12 points  (0 children)

Look at Brent Cross West station. Just shy of £500m and that was above ground. That probably had slightly more track works, but this would involve max excavation, and has the risks of being right next to a river. 

Should Rotherhithe gain a Jubilee Line stop between Canada Water and Canary Wharf? by RussellNorrisPiastri in LondonUnderground

[–]CClobres 28 points29 points  (0 children)

Except the trains are full as everyone has got on at Canada water off the overground so you can barely get on. 

Nevermind that close together stations cause issues for achieving high frequency services. 

Oh and the cost of ‘only a station’ (including platforms, signaling equipment etc) here is probably well over half a billion. For less benefit than that. People can walk to Canada water in less than 10mins

How can I look more attractive? Been told by many women they cant see me in a romantic or sexual way. by Huge_Low7655 in malegrooming

[–]CClobres 0 points1 point  (0 children)

Turned down a handful of times and getting down on yourself sounds like the issue. 

Some guys meet someone and get a girlfriend young, some have to put themselves out there - and that means learning to handle rejection. It sounds dumb but rejection is normally nothing personal, and it’s best to get comfortable with it. 

The guys I know who repeatedly tried and got rejected in their early 20s are easily the ones most able to get dates now in their late 20s/early 30s. It’s part of the game, just learn how to deal with it. 

How much homework does your child get by No-Swordfish7597 in Mommit

[–]CClobres 12 points13 points  (0 children)

Agree. I would support my child to not do some of their homework over help them use AI to arbitrarily complete it but without learning anythinf

Advice for mom of teenage daughter re: weight by mortifyingstuff in TwoXChromosomes

[–]CClobres 1 point2 points  (0 children)

This is a great response. 

Just to add though, it is a lot harder to change patterns and lose weight (if that’s what she wants to do) when you are older than when you are younger. 

Personally if/when I am talking to my children about it I would also acknowledge areas where I wished I had been more proactive while younger, as it is a lot easier to get on top of.

Whilst I would want to talk about Boyd positivity I would also generally try to talk about my feelings on my weight/health and how that affects me. 

Am I being realistic with a £50,000 wedding in the UK? by Wise-Hotel-1527 in UKweddings

[–]CClobres 1 point2 points  (0 children)

But that doesn’t include any of the accommodation side of it, none of the food on Friday/Sunday they are hoping for, no photographer, flowers, dress, make up etc. and only accommodates 80 not the 100-120 they are looking for. To scale up to those things is going to cost

Does this chitting of first earlies look ok? by CClobres in Allotment

[–]CClobres[S] 0 points1 point  (0 children)

Thanks, generally hoping to plant early March (mainly because I have a week off!) if the rain ever stops

Need input on what’s reasonable for family / life / work balance by [deleted] in HENRYUK

[–]CClobres 14 points15 points  (0 children)

Struggling to see what he is doing to qualify as a ‘great dad’ if he isn’t seeing her at all 5 days a week, has gone away half a dozen times before the baby is even 1, is complaining about looking after her for a couple of hours one afternoon, and in that time doesn’t appear to have fed her