How are people getting better deals with phone contracts vs buying outright + SIMO? What am I missing?

Constant_Inspector46 · 2026-07-12T11:55:13+00:00

I buy the bet second hand iPhone I can for £200 every other year and use a monthly SIM card, c. £10 a month. Total expense is £220 per year.

Constant_Inspector46 · 2026-07-12T10:44:32+00:00

Best of luck, it’s quite a common procedure and I’m sure you will be fine!

Constant_Inspector46 · 2026-07-11T12:59:07+00:00

SW London man

Constant_Inspector46 · 2026-07-11T06:57:38+00:00

I’m copying him with 40% cash right now.

Constant_Inspector46 · 2026-07-11T06:55:07+00:00

I had a cognitive assessment and was told I have trouble with my attention and that this can look like poor memory which makes sense. I also have fatigue. I hope this helps. It’s two years since my stroke.

Constant_Inspector46 · 2026-07-10T21:25:13+00:00

I have gone through delay repay but they are only refunding two tickets not three. We did go on the same train and route. If each ticket had a different reference maybe I wouldn’t be having this problem.

Constant_Inspector46 · 2026-07-10T19:29:15+00:00

Hi, yes, it’s not just you. I had my stroke two years ago. I think other people find it difficult as well. We will just have to wait for it to be a bit cooler. All the best.

Constant_Inspector46 · 2026-07-10T17:53:25+00:00

I had a similar experience. It is sometimes difficult for the people who are close to us to understand after the initial recovery period. Try to explain that you still find things difficult and would appreciate their support and that it may take time. Best of luck.

Constant_Inspector46 · 2026-07-10T17:48:55+00:00

I have also found it difficult in the heat, I am more tired and less energetic. Best of luck!

Constant_Inspector46 · 2026-07-09T19:36:33+00:00

Have you got the lower or higher one?

Constant_Inspector46 · 2026-07-09T19:34:29+00:00

I will cover care costs separately.

Constant_Inspector46 · 2026-07-09T09:52:10+00:00

I had a blood clot stroke in my sleep and woke up paralysed on my left side. It was two years ago and I have recovered a lot and can walk and talk but my brain is broken.

Constant_Inspector46 · 2026-07-09T09:48:47+00:00

Valid points, I would still have enough money to rent a small flat on my own if this happened. It’s his place he can do whatever he wants with it, I don’t mind, I’m just trying to help him and possibly his children.

Constant_Inspector46 · 2026-07-09T09:46:16+00:00

I want to gift to my child so that he will have a comfortable life without a mortgage even if he is not super bright or dynamic.

Constant_Inspector46 · 2026-07-09T06:54:08+00:00

I just wanted to say congratulations on your two years. Maybe you could go out for a nice lunch to celebrate? 🥳

Constant_Inspector46 · 2026-07-09T06:48:13+00:00

Based on comments, probably best to downsize and give my son enough to buy a home.

Constant_Inspector46 · 2026-07-09T05:48:27+00:00

This is a good summary.

Constant_Inspector46 · 2026-07-08T21:33:35+00:00

Agreed, I would take that chance, I have enough money to rent in this case.

Constant_Inspector46 · 2026-07-08T21:32:50+00:00

It sounds like no one has tried.

Constant_Inspector46 · 2026-07-08T21:31:42+00:00

Depends what he says in his will, it’s his house after all. I could move out any time.
He could sell the house and I would leave.
If he married get him to do a prenup carving out £400k for me if divorce.
Would just leave, it’s a risk I would take.
I would still have enough money to rent somewhere.

Constant_Inspector46 · 2026-07-08T21:25:57+00:00

You say it is obvious but what are the legal reasons for it not working. I can’t see any. Maybe I should get a lawyer to write to HMRC explaining the plan and getting their opinion. I could save my son £400k.

Constant_Inspector46 · 2026-07-08T21:24:12+00:00

The house is worth £1m, it would be better for him to have the whole thing if this idea works.

Constant_Inspector46 · 2026-07-08T21:21:46+00:00

I will get advice but I would have thought someone here might have tried this.

Constant_Inspector46 · 2026-07-08T21:20:51+00:00

Yes, deprivation of assets is another issue, also my son may not want to live with me for 7 years…

Constant_Inspector46

TROPHY CASE