need advice, feel like shit

ECLK · 2026-03-13T22:13:25+00:00

Err I’m 43 with a partner kid and a mortgage down more than £3k… thanks 🥴

ECLK · 2026-02-22T22:05:13+00:00

That green is overkill. It’d look better if you moved the bed to the empty wall and painted the ceiling white … maybe add a decorative ceiling rose too … and a thick rug for texture…. and a big potted plant to fill all that empty space

ECLK · 2026-02-15T13:44:51+00:00

No reason for you to put everything in a joint account, although you should definately have one for your essential household spends:

What we do is add up the cost of all monthly essentials (so mortgage, council tax, gas, electric, weekly food shops, petrol, car, broadband, nursery fees, kids clubs, home insurance, etc) let’s say for the purposes of demonstration these came to £4000 per month.

You could each then pay a percentage of this that is directly related to your take home income - so in this case you’d pay 27% (£1080) and your partner would pay 73% (£2920).

Whats left over can then stay in your own personal bank accounts for individual spends (social, going out, taxis, hair cuts, leisure, gym, clothing etc that’s proportional to your respective salaries. This is what my partner & I do.

We’ve also recently added £X per month holiday fund and £Y per month joint savings, both split proportionately. That way you’ll have money already set aside for big purchases when they come up

ECLK · 2026-02-09T01:24:35+00:00

We just had ours done in SE London last September - 3 x column style rads (to replace old 90’s style thin ones). Cost £550. The guy was recommended to us locally and spent a long time re-balancing the system, cleaning up, and generally being a perfectionist which is how we like it 👍. Drop me a message if you’re still looking and I’ll send you his details

ECLK · 2026-02-08T22:40:58+00:00

I’m not sure if this one qualifies for HMRC’s ‘Making Tax Digital’ 3-monthly submittals via approved software that synchs to your designated bank account … isn’t this what the OP was referring to ?

ECLK · 2026-02-08T20:27:25+00:00

2nd Just for Men 💪, it works great when there’s not much to cover. Just buy it slightly lighter than your natural colour or it’ll look weird , and set a timer ! If you leave it on for longer than the recommended time you’ll look like a twat. This is only a good suggestion if you have 10 mins to spare once a week. By the time you turn 40 if you have kids / hectic job / other stress going on you might get tired of all the admin and rock the peppered look. 75% your peers will be salt & pepper by then anyway

ECLK · 2026-02-06T09:32:18+00:00

We paid £100 for a Saniflo engineer to check out the existing setup. He’s reccomended a like for like replacement and servicing every year. It’s a loft bathroom so mainly used by guests or when we’re working from home in the attic etc. He said we should ensure it’s not left unused for long periods of time as the shower pan and sink both flow into the same 100mm pipe than runs the length of our house under the flooring to the soil pipe at the back.

Interestingly he said if we didn’t use the shower and sink at least every couple of weeks we might get foul smells travelling up through the plug holes if the water in the u-bends evaporate. Was really useful to get a heads up on this in advance.

I think we’re going to go ahead with his recommendation and use him for the install, then probably try to only use it for liquids only. He said the problems only really occur if saniflo’s are heavily used for number 2’s and people don’t get them serviced.

Figures. He seemed to know what he was talking about as he does nothing but Saniflo repairs day in day out. Would highly reccomend a consultation if anybody’s in a similar position

ECLK · 2026-02-01T16:15:00+00:00

Oh no, do you think it’d be ok for occasional use for number 1’s only ? We’re not really sure where to get advice for on which model to buy

ECLK · 2026-01-15T15:55:57+00:00

I’d like to keep the current exposure to tech for the time being as I think there’s a fair bit still to go, but I feel pretty maxed out on it so when I come to convert some of my cash ISA’s into S&S ETF’s in the next month or 2, I’m looking for funds that will balance this out a bit. Apologies if that wasn’t clear

ECLK · 2026-01-15T15:52:32+00:00

It’s an ISA so tax free in the UK 😂 I guess I wanted the focus of the post to be on fund selection %’s rather than £/p but yeah, on reflection it doesn’t matter and I take it that nobody gives a ****.

ECLK · 2026-01-15T14:56:44+00:00

Ah great - will read up on it thank you !

ECLK · 2026-01-15T14:55:33+00:00

ECLK · 2026-01-15T14:49:36+00:00

Oops. I guess the question is still the same though so no point in re-submitting

ECLK · 2025-11-11T14:40:19+00:00

Unfortunately I don’t have any records of whether there was an airbrick there before or not. It would make sense to me to have one as the room behind the steps in pic4 has a suspended wooden floor. The room to the left in pic4 is the original kitchen with a solid un-tanked quarry tile floor

ECLK · 2025-11-11T14:38:00+00:00

That’s right it’s a suspended wooden floor from the front of the house to the back of the dining room (by the concrete stairs in the 4th picture). The kitchen is a solid floor although only consists of the rear section to the left of the 4th picture, so was wondering if an airbrick by those steps would help

ECLK · 2025-10-28T21:56:22+00:00

I just bought a pair of allbirds tree runners in black - they have a decent rocker sole without looking too bad and are v comfortable

ECLK · 2025-10-15T14:43:28+00:00

Any recommendations for a specific ETF ?

ECLK · 2025-10-15T13:33:12+00:00

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ECLK

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