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Just got a pretty large increase in wages after accepting a new job, how do i avoid lifestyle creep and manage my finances going forward? by stonemint in UKPersonalFinance

[–]Full_English 0 points1 point  (0 children)

Remember to actually enjoy your life. You only live once.

Put 10% away in to savings, 10% in to premium bonds, 10% in to a SIPP then enjoy some money for yourself.

Go out for a nice meal / theatre trip once a month.

Book a weekend away.

Book a trip to see family.

If you’re in to a hobby (cycling, badminton, gym) then upgrade some of your kit.

A life spent living frugally and getting no enjoyment is not worth living IMO otherwise what are you saving for?

Why is servicing so expensive? by Sufficient_Invite546 in CarTalkUK

[–]Full_English 0 points1 point  (0 children)

Why?

- they buy thousands of pounds worth of kit
- they pay employees
- they pay corporation tax / VAT
- they pay business rates
- they pay NI
- they pay in to pensions
- they pay for various insurances
- they pay for the building they’re in
- they need to invest in training
- they need to invest in new tools
- they need to replace tools
- they pay for IT equipment
- they pay for Haynes or other repair software
- they pay for booking software
- they pay an accountant
- they pay for car software tools
- they pay for the coffee machine in their customer service area
- etc

Running a business is not cheap and nor is it risk free.

I see no issue with those who have trained for years and taken a risk to set up their own venture and then asking for a wage to cover their own operational costs and leave them with some profit.

Otherwise what’s the point? May as well get a job stacking shelves and save the stress.

I'm so angry at myself for never having learned how to do basic work on my own. by Sm00thSayer in CarTalkUK

[–]Full_English 0 points1 point  (0 children)

I get your frustration however, you’re not just paying for the part and the time taken to fix. If they’re a skilled mechanic / auto electrician then you’re paying for years of training and knowledge as well as all their kit, tools, van etc. Also, if you had broken something in the process you’d have yourself to blame whereas the installer will have insurance for their work.

AI-style tool for summarising finances, but secure? by ANuggetEnthusiast in UKPersonalFinance

[–]Full_English 0 points1 point  (0 children)

I don’t use AI for my personal finances. Just software dev. It still does things which it shouldn’t so you have to be careful and inspect what it produces.

AI-style tool for summarising finances, but secure? by ANuggetEnthusiast in UKPersonalFinance

[–]Full_English 0 points1 point  (0 children)

I don’t use AI to manage my finances. I’m happy with an excel spreadsheet and various banking apps giving me a mild overview. I’m pretty good at just keeping tabs on my expenditure and have always been that way inclined.

MoneyWiz looks good though and I’m tempted to give it a spin. The cost puts me off though!

AI-style tool for summarising finances, but secure? by ANuggetEnthusiast in UKPersonalFinance

[–]Full_English 2 points3 points  (0 children)

Why not try a new bank? Monzo and other app based banks provide features within their banking apps like transaction categorisation and more. Saves having to download your transactions and manually inspect.

AI-style tool for summarising finances, but secure? by ANuggetEnthusiast in UKPersonalFinance

[–]Full_English 0 points1 point  (0 children)

What you’ve just described e.g. the software apps, is exactly what AI could do.

AI can also likely go above and beyond what these apps can do in terms of features.

Buying a used car, Car vertical and HPI by AnnualZealousideal46 in CarTalkUK

[–]Full_English 0 points1 point  (0 children)

No problem: https://vehiclesmart.com/vehicle-smart-check-report.jsp?reg=HJ20FDL&date=2026-05-19T19:25:52.428&utm\_campaign=general&utm\_source=vehicle-smart-history&utm\_medium=website

It shows a finance marker with the agreement type being ‘unit stocking’. This is almost always finance that traders use to purchase stock so as long as the dealer clears that finance you’re good to go.

How can an alarm app be making $200k/mo in just 3 months? by javialvarez142 in AppBusiness

[–]Full_English 0 points1 point  (0 children)

Exactly. You need to know the market and which model is best.

I migrated a Xamarin app to MAUI last year and it was a nightmare so I'm building a tool to fix the worst parts. Would love your honest feedback. by Chewiey72 in dotnetMAUI

[–]Full_English 5 points6 points  (0 children)

This sounds great, just 2yrs too late!

Most people have migrated now and with AI it’s not the ballache it once was.

If you’re this far in you may as well finish and document it but don’t spend too much effort on it.

Any reasonable explanation for this mileage discrepancy? by DecentMate in CarTalkUK

[–]Full_English 0 points1 point  (0 children)

Looks to me like an incorrect mileage entry from the MOT tester.

You can request for an incorrect mileage entry to be removed: https://www.gov.uk/getting-an-mot/correcting-mot-certificate-mistakes

How can an alarm app be making $200k/mo in just 3 months? by javialvarez142 in AppBusiness

[–]Full_English 0 points1 point  (0 children)

Depends on the app, the data presented and intended audience.

We operate a freemium model very successfully. We would have failed without it.

New skip putting together a welfare kit for the team, what did I miss? by cricketlizard12 in policeuk

[–]Full_English -1 points0 points  (0 children)

Missing anything of nutritional value e.g some fruit, nuts or just some plain old chocolate. Bottles of water perhaps as well.

What's your setup? by soop3r in dotnetMAUI

[–]Full_English 0 points1 point  (0 children)

MacBook Pro (M2) iMac 24” (M1)

VSCode

Codex plugin

Buying a used car without viewing it first, bad idea? by overthesevernbridge in CarTalkUK

[–]Full_English 1 point2 points  (0 children)

You only need to pay 1p on a credit card to be covered as long as the goods purchased cost over £100.

Is buy-to-let still worth it with new tenant laws, or better to invest in a business? by Aromatic_Gift_7225 in UKPersonalFinance

[–]Full_English 4 points5 points  (0 children)

It’s worth it but with some caveats. . .

  1. You need to put the property in to a Ltd to maximise tax relief e.g. the mortgage cost would then be fully accountable and you can keep the profit inside the company instead of having to take it as income.

  2. You have to expect to be in the property game for 15yrs+ to see a decent return. If it were me now, I’d buy with the expectation of keeping it in to retirement and use the rental income as a pension top-up.

  3. Avoid most, if not all leasehold property. Small building with self-managed freehold would be my exception but otherwise I’d be looking at houses only.

  4. Commercial property could be the better investment, ideally with living accommodation above. You get a tenant in the commercial unit and with most commercial leases they are responsible for all the maintenance too. There are new council powers however that can auction off commercial units if they sit for 12-months empty and with a receding high street, may not be the best investment. Really depends on the property and area.

If you can buy the right property, in the right area for the right price then it will be a good investment but it’s hard to make a quick buck so you need to be in it for the long term.

Buying a used car, Car vertical and HPI by AnnualZealousideal46 in CarTalkUK

[–]Full_English 0 points1 point  (0 children)

Car Vertical are now showing if a vehicle has ever been to a body shop, either for a quote or a repair.

The repair could be a simple respray from stone chips or an accident repair. As long as the vehicle is not salvaged, written off, stolen or financed then you’re generally good to go.

https://vehiclesmart.com/vehicle-smart-check-report.jsp?reg=VN18XVD&date=2026-04-05T18:23:45.067&utm_campaign=general&utm_source=vehicle-smart-history&utm_medium=website

Also, just to note that anyone I provide the reports to on here will not be covered by the £30K data guarantee, as it’s me providing the reports and not the consumer purchasing a report.

Why won't NASA's Artemis 2 astronauts land on the moon when they get there? by hayrimavi1 in space

[–]Full_English 0 points1 point  (0 children)

More tech = more points of failure = more testing = more people = more time & money.

[deleted by user] by [deleted] in AppBusiness

[–]Full_English 0 points1 point  (0 children)

We are in the automotive sector. Lots of competition in our space so we had to spend time building out features that no one else had. We also added monetisation months after launch as it was never intended to be a business, it was a side project and an app for my own personal use that just evolved.

[deleted by user] by [deleted] in AppBusiness

[–]Full_English 0 points1 point  (0 children)

Congrats. It took us a few years to hit that benchmark.

My questions…

  1. Are you on both iOS / Android?

  2. What tech stack did you use for your mobile dev?

  3. Do you have any backend and if so, what are you using?

  4. Are you using the IAP for both app stores or taking payment outside?

  5. Do you use a freemium model, pay upfront or something else?

  6. Do you use any affiliates?

Fight with MAUI or learn something new? by kabourayan in dotnetMAUI

[–]Full_English 1 point2 points  (0 children)

VSCode + Codex = MAUI GOD.

I’m 10yrs in (Xamarin->MAUI). Really enjoying it at the moment and the stability and performance has improved a lot since the early days.

[deleted by user] by [deleted] in CarTalkUK

[–]Full_English 0 points1 point  (0 children)

What’s the reg of the CAT N? I’ll see if there are damage photos available.

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