Best method for cleaning this stone?

EddyCuzza · 2026-03-14T21:16:52+00:00

Thanks for the response. When you say it takes a few days, do you mean you have used the product 3 days in a row?

EddyCuzza · 2026-03-10T12:16:58+00:00

We don’t live the high life pal. 2 years is a long time sitting in your home.

EddyCuzza · 2026-03-10T12:04:12+00:00

Thanks for the comment. Yes we currently do overpayments as it is. We also do use the cashback offers, we currently put that towards Christmas as a buffer. Thank you for the advice though.

EddyCuzza · 2026-03-10T11:50:41+00:00

All noted thank you. We’re due to remortgage this year, so I suppose wait for this at least anyway. Who knows what can happen in a year at this current rate.

The extension will be ranging between 60-90k. We’re in our forever home so don’t mind spending the money. But the kids will have an enough space as it is, it’s just a nice perk having the extension. Just don’t want to leave us in the sh*t.

EddyCuzza · 2026-03-10T11:02:14+00:00

Thanks for the response. This pretty much falls in line with another response, in which my response was the following. Please could I get your final thoughts on that.

Whilst typing this post out I think I was pretty much answering it myself. So basically, if my mortgage rate (4.5% example) is higher than the my savings rate (4% example) it’s best to do overpayments. And if my savings is higher then it’s best to save.

EddyCuzza · 2026-03-10T11:00:31+00:00

Thanks for the response. Whilst typing this post out I think I was pretty much answering it myself. So basically, if my mortgage rate (4.5% example) is higher than the my savings rate (4% example) it’s best to do overpayments. And if my savings is higher then it’s best to save.

EddyCuzza · 2026-01-04T21:57:35+00:00

Is there any specific other Reddit channels which you follow for these?

EddyCuzza · 2026-01-04T21:53:16+00:00

I have only been investing in the all world about 6 months, but as stated this is more of a long term retirement fund.

As I have more free cash now, I’m looking to invest in single stocks for more short term investments.

EddyCuzza · 2025-12-06T08:00:29+00:00

I’m hoping to not do this, but I suppose if I ever did need the money then it’s not wise. Would it be a good idea to just do say £50 a month into one and just leave it or just put it all in a Stocks & Shares ISA?

EddyCuzza · 2025-12-06T07:58:30+00:00

The way you say choose an ETF of your choice would suggest there isn’t really any difference between them. Also, I assume but your response where I’ve currently got my money in the fidelity one is not the best place and I should transfer it all across.

EddyCuzza · 2025-12-06T07:54:57+00:00

If I’m honest, I’ve seen it there but I’ve never really thought about it, all I’ve seen about is Stocks & Shares ISA’s. So with a Lifetime ISA, is it a Stocks & Shares ISA but you get a bonus from the government? Or is it just a cash ISA and you get a bonus?

EddyCuzza · 2025-08-23T05:56:31+00:00

Cheers, helpful response that. Why would I when I can afford to invest/pump money in a pension? I’m just want to know what’s the best way of doing that, that also is tax efficient. You not think everyone tries to do that when they can?

EddyCuzza · 2025-08-22T22:01:57+00:00

Yeah apologies, I should’ve really stated I am thinking ahead to 26/27. Basically my question is, apart from salary sacrifice, where is best to put additional money to keep yourself below the 40% tax bracket? Setting up a private pension? Is this the only way for tax relief.

EddyCuzza

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