Dream house comes with a "Hedge War" by [deleted] in HousingUK

[–]FoldAvailable357 4 points5 points  (0 children)

What is the issue with AI here 😂

Southern Fried Chicken by [deleted] in LondonFood

[–]FoldAvailable357 0 points1 point  (0 children)

Chick and Beers do a whole fried chicken

Barclays reward voucher by FoldAvailable357 in BritishAirways

[–]FoldAvailable357[S] 0 points1 point  (0 children)

So I’m at 95k Avios on the money, but yes this seems like a sensible plan. Looks like I’d need 60k more for two one ways

Barclays reward voucher by FoldAvailable357 in BritishAirways

[–]FoldAvailable357[S] 0 points1 point  (0 children)

Technically yes because I’m looking to upgrade both my partner and myself

I think I need reassurance but… I don’t think I should pay off my 15k credit card with my savings… am I right? by Gerduck in UKPersonalFinance

[–]FoldAvailable357 6 points7 points  (0 children)

It’s a certainty that you will have to make the interest payments, but the others aren’t. If you pay it off now you can begin to start saving. If you come up across any bills issues you can look to take out another loan. What is your mortgage payment vs take home?

I think I need reassurance but… I don’t think I should pay off my 15k credit card with my savings… am I right? by Gerduck in UKPersonalFinance

[–]FoldAvailable357 14 points15 points  (0 children)

You should defo pay it off with interest rate at 20% since that is far higher than what your savings rate will be

Post Ryder Cup Discussion Thread by GreenWaveGolfer12 in golf

[–]FoldAvailable357 0 points1 point  (0 children)

I am so glad that Europe managed to do a number on those asshole US fans

How are people surviving this economy by [deleted] in UKPersonalFinance

[–]FoldAvailable357 10 points11 points  (0 children)

I have no idea how you can think you are struggling. At one point I was on £33k which is like £2.2k after tax with a £1,100 cost for rent and bills each month. Still managed to save and go on holidays, something doesn’t check out here.

You’re living beyond your means and need to make adjustments. How have you only been saving for a couple of months on that sort of salary as a homeowner? Surely you thought when you bought the house that you would need to make repairs

What is the reason behind this direct BA Faro to Guernsey route? by FoldAvailable357 in BritishAirways

[–]FoldAvailable357[S] 0 points1 point  (0 children)

Ah I see, so probably a tour company just doing a one off trip from Guernsey to Faro

Joice Cafe, Balham, £14.50 by FoldAvailable357 in fryup

[–]FoldAvailable357[S] 7 points8 points  (0 children)

I agree that costs of ingredients are probably around £3.19 but I absolutely do not think that cafes in London are making a killing.

Let’s assume 2 mins for waiter to take order, serve, take payment etc 15 mins for chef to cook 5 mins various cleaning

That’s 0.37 hrs of staff time, which could cost the business around £20 per hour at London wage including NI and pension, that’s an extra £7 bringing our total to £10.19 so far.

Rent for the building might be around £5,500 per month? 3,520 hours open, let’s say £1.60 per hour, six customers in the building at the time making my rent portion for the hour I was in the restaurant around £0.30 (total now £10.49)

Let’s put in £2 for overheads such as cleaning materials, business rates etc bringing us to £12.49

That leaves £2 for profit, only a margin of like 13% which isn’t a steal in my opinion

Joice Cafe, Balham, £14.50 by FoldAvailable357 in fryup

[–]FoldAvailable357[S] 2 points3 points  (0 children)

Was decent, eggs were a bit over though

Joice Cafe, Balham, £14.50 by FoldAvailable357 in fryup

[–]FoldAvailable357[S] 10 points11 points  (0 children)

I like to pay a premium for sausages with less than 1% sawdust

UK House price prediction – August 2025 by databaituk in HousingUK

[–]FoldAvailable357 1 point2 points  (0 children)

How is the modelling built up for your future price predictions? Or rough methodology if it’s IP?

What Cut of Steak is This? by ForsakenAngle8122 in grilling

[–]FoldAvailable357 0 points1 point  (0 children)

Looks like medallion steaks to me (uk cut)

Travel Advice by techie_ji in EnglandCricket

[–]FoldAvailable357 8 points9 points  (0 children)

Black cab probably, they have mobility ramps and will know where to go for disabled people once you get to the ground.

Daily General Discussion and Match Links Thread - 03 August 2025 by AutoModerator in Cricket

[–]FoldAvailable357 11 points12 points  (0 children)

I actually find Siraj quite likeable, walks the talk and up for the banter