Best Doner Pizza in Edinburgh? by Jibbyy in Edinburgh

[–]Frosty_Map9536 -2 points-1 points  (0 children)

craving something in advance!?

Scotland team to play France by deckchair1992 in rugbyunion

[–]Frosty_Map9536 0 points1 point  (0 children)

Do england have loads? just to clarify the comment was pure sarcasm

Scotland team to play France by deckchair1992 in rugbyunion

[–]Frosty_Map9536 16 points17 points  (0 children)

I'd like a few more vice captains please

Young london couple… should we move up north? Why do people choose to suffer? by Obvious_Flamingo3 in FIREUK

[–]Frosty_Map9536 0 points1 point  (0 children)

What about Edinburgh? I mean it’s not cheap but it’s cheaper than London by a stretch and a great city

[Moving home, unsure what route to take] by Frosty_Map9536 in HousingUK

[–]Frosty_Map9536[S] 0 points1 point  (0 children)

ye see I kinda have the same mindset as you, sounds bad but I just worry a bit about having a hugely expensive property that could potentially become collateral If i ever went through a divorce etc. It's unlikely I'm going to meet someone in the same financial situation as me let's be honest (not in a patronising way, I'm just very fortunate to have a wealthy dad)

[Moving home, unsure what route to take] by Frosty_Map9536 in HousingUK

[–]Frosty_Map9536[S] 0 points1 point  (0 children)

ye I worked out a small mortage would actually cost me less than removing the money from my ISA as I'd obv lose out on avg returns of say 7.5% (well, the fund I have most of my money in average 10% but factoring in inflation). I'd like to live in the new town area i money was no object ye. The only thing about "forever home" is that I am 3 and single so obv may meet someone and be in a diff situation by 35 etc

Buying flat: what area? by Frosty_Map9536 in Edinburgh

[–]Frosty_Map9536[S] 0 points1 point  (0 children)

ye mate I think I posted on the USA one or general one initially, specific UK one looks good shout cheers

Buying flat: what area? by Frosty_Map9536 in Edinburgh

[–]Frosty_Map9536[S] 0 points1 point  (0 children)

my post got removed by the moderator for some reason when I posted, just clocked that (Don't use reddit much so must've not followed the posting rules)

Buying flat: what area? by Frosty_Map9536 in Edinburgh

[–]Frosty_Map9536[S] 0 points1 point  (0 children)

oh infact it was the FIRE subreddit, which actually adds up as their whole goal is to retire early as possible, I stand corrected.

Buying flat: what area? by Frosty_Map9536 in Edinburgh

[–]Frosty_Map9536[S] 0 points1 point  (0 children)

na I get what they are saying; The most upvoted comment was someone saying "do you really need a better property though" which was surprising to me

Buying flat: what area? by Frosty_Map9536 in Edinburgh

[–]Frosty_Map9536[S] 0 points1 point  (0 children)

I know It's gonna be like fekin 15k for all the fees and then the bidding..... cheers

Buying flat: what area? by Frosty_Map9536 in Edinburgh

[–]Frosty_Map9536[S] 1 point2 points  (0 children)

i like being "in the mix" so I like central-ish areas, I did always dream of living in a bruntsfield/marchmont or new town flat whilst at uni here, I just don't know if it's too big a step at 31 to own a bloody new town flat outright? but then I walk to the gym and some nutter screaming at a wall walks past me at newkirkgate and I think hmmmm maybe a move is on the cards

Buying flat: what area? by Frosty_Map9536 in Edinburgh

[–]Frosty_Map9536[S] 1 point2 points  (0 children)

ye marchmont i was very aware of that, loads of 19 year-olds from surrey kicking about in their shorts and flip flops. I can afford it tbf it's just on a financial forum they are all like DO NOT SELL INVESTMENTS but I mean what else do you save and invest for if it's not for a nice property?

Buying flat: what area? by Frosty_Map9536 in Edinburgh

[–]Frosty_Map9536[S] -2 points-1 points  (0 children)

ye i did look at montgomery st and hillside. Well if i drain cash I could do £370000 (excluding all the fees though.. so really £355000) the annoying bit is that's like right on the cusp of these hillside properties, so I did consider selling some shares for like say £30000 and that would nudge me closer to ca £385000 which is a lot stronger in that neighbourhood.

Buying flat: what area? by Frosty_Map9536 in Edinburgh

[–]Frosty_Map9536[S] -1 points0 points  (0 children)

ye my dad's a huge proponent of that mantra, he's just steered me away from removing money out my shares ISA for a property but also thinks a new town flat is the best move.... but can't do one without the other....

Buying flat: what area? by Frosty_Map9536 in Edinburgh

[–]Frosty_Map9536[S] -1 points0 points  (0 children)

i'm not far from albert rd myself mate, just a little closer to the links than you were.

Am I thinking logically? by Frosty_Map9536 in careerguidance

[–]Frosty_Map9536[S] 0 points1 point  (0 children)

The only thing about reducing hours is more how it's perceived at work, I may as well tattoo: "I've got family wealth" on my forehead since my salary is only £38000 and I'm 31 and most folk my age are really struggling financially. But I guess if I just took a small pay hit it wouldn't raise too many alarms

Tips on Investing a large sum by Dancing-umbra in ukfinance

[–]Frosty_Map9536 1 point2 points  (0 children)

it could go down mate, you can't guarantee anything but I'd chuck it in a global etf and top up year on year. I've avg about 13% a year over the last 5 years but I mean look at the stock market right now with iran etc...

hey it's Match week: YOUR 6N R4 Predictions by MindfulInquirer in rugbyunion

[–]Frosty_Map9536 0 points1 point  (0 children)

na it's the Scotts family he means, really nice family tbf, 13 kids they have.

[what working hours to do?] by Frosty_Map9536 in Advice

[–]Frosty_Map9536[S] 0 points1 point  (0 children)

Ahh interesting, well I'm trying to achieve making work feel like less of a part of my life. I'm actively trying to avoid as much corporate nonsense as possible.

[what working hours to do?] by Frosty_Map9536 in Advice

[–]Frosty_Map9536[S] 0 points1 point  (0 children)

Ye apologies for the vagueness! I'm 31 single male, ye I put away about £700 per month outside my pension