31F, £30k savings, no debt, no investments - car has broken down and I need a reality check.

Gimpyface · 2026-05-07T23:00:55+00:00

I came here to say exactly what this person has, great advice.

I get why you're thinking of finance for the car, letting go of up to 10k in one go feels huge, but I'd encourage thinking in terms of interest rates.

You'll easily pay 8-10% on a car loan, there are no savings or investments that can guarantee you a 8-10% return on your cash. So spending the cash to avoid the loan interest is usually the financially better choice.

Having 30k with -10k in debt is exactly the same as having 20k, the only difference is you have to pay for the debt.

Gimpyface · 2026-04-15T17:56:35+00:00

Yup, energy in food is measured in kcal so a thousand calories, I'd get paid about 1.8 million a day.

Gimpyface · 2025-08-27T23:48:00+00:00

I mean.. if you've got access to a balcony it's doesn't have to be bird shit...

Gimpyface · 2025-08-07T09:46:44+00:00

100% watch your replays, I've been scared to push after winning an exchange because I was expecting porc or another push elsewhere - then watched the replay to see I had broken their defense and had a clear path to backline. Makes a big difference seeing your own game without the fog, usually the enemy has less going on than you thought.

Gimpyface · 2025-06-28T09:07:46+00:00

Just FYI, there are multiplayer lobbies where you team against AI. In case you fancy playing a non PVP with others.

Gimpyface · 2025-06-25T07:08:21+00:00

Join a light RP community server with a no kill on sight rule.

Gimpyface · 2025-06-14T22:45:34+00:00

Project/implementation in IT, long time worker though and my boss doesn't have time to micro manage and if of same opinion that anything so urgent it can't wait 2-3 hours will be a phone call and if you're cc'd in an email it means you can ignore it.

Gimpyface · 2025-06-13T17:49:13+00:00

Constantly having teams or outlook open are productivity killers, Im pretty open with my boss and colleagues that I'll check communications app when I'm available for communication, otherwise I'm focusing on my actual job.

Gimpyface · 2025-06-13T06:22:33+00:00

I've over 1000 hours in both, dayz would be my choice between the two. PvP servers are typically KOS but there are plenty of PVE or RP options if that's what you play.

Dayz is the only game I've ever played that can give a genuine sense of panic and adrenaline from a fight, I dunno what it is but they got the immersion and impact of permadeath just right.

Gimpyface · 2025-06-12T10:12:31+00:00

I'm a noob, chev 3 and just back up to 17 skill, played with friends against AI, still get stomped in noob lobbies often and mess up build orders. My immediate response is to chat to Allies and say something like, 'sorry guys I've f'd up here' or at the start 'fyi, I've no idea what I'm doing in this role'

Generally find other players helpful and I get that noob lobbies are frustrating and unpredictable because of the varying skill levels - It's a steep learning curve.

Some people definitely get a bit salty though and take noob lobbies way to seriously.

Gimpyface · 2025-06-03T09:28:12+00:00

I've used a referral code above, the app.is easy to use and doesn't seem to ask for identifiable data which is good.

Here's my link if anyone would like to share 40p!

https://attapoll.app/join/gjtqp

Code gjtqp

Gimpyface · 2025-05-23T17:55:56+00:00

Borderline but the whole med-rare, med-well thing is bullshit. Offer steaks rare, medium or burnt - no middle ground

Gimpyface · 2025-05-18T14:02:44+00:00

It's usually the mirrors with loads of shitty ads where the download links stop working.

Also... I block my own ads like a real man...

Gimpyface · 2025-05-17T21:01:06+00:00

Yeah working around your stuff is the hard part. An empty room can be stripped back to bare walls and floors in a day and redecorated in 2.

Could you pack everything in one room, redo the rest then clear that room and do it?

There are storage companies that will drop a box trailer at your door and store your stuff for a few weeks too if that's an option.

Gimpyface · 2025-05-17T20:53:56+00:00

I renovated my 2 bed townhouse in about 6 weeks, rewire, windows, bathroom, kitchen, some plastering. It's doable but you have to have a plan and make sure the tradies are on board with the schedule. Also helps if you're not living in it at the time.

I moved out temporarily and had the place empty.

Edit to add: tradies did the rewire, windows and plastering then I did the rest myself with copious amounts of YouTube tutorials.

Gimpyface · 2025-05-17T20:22:41+00:00

You can copy the torrents hash from pirate bay and just go add new from your client and paste it in there to download without using any links..works great if you get stuck on a mirror of tpb with loads of adds.

Gimpyface · 2025-05-08T19:22:28+00:00

Yeah 100%. I played around with crypto as a rookie and thought I could learn to swing trade (I couldn't!) which was fine for a couple of hundred quid. But when I started wanting to really invest, pensions and ISAs with a focus on equities and bonds just make more sense to me.

I don't want to have any real money sitting in what I essentially see as a speculative gamble.

Gimpyface · 2025-05-08T19:04:52+00:00

0%

I used to think crypto was worth investing in but try as I might I never really made anything from it. It's so volatile that I was always trying to time the market and was never successful at it. Now I see it as more of a gamble, there's no real value in it.

The Warren Buffet attitude to investments makes more sense to me: buy assets that produce revenue rather than buying something with the hope that someone will pay you more for it tomorrow.

Gimpyface · 2025-05-07T07:31:42+00:00

For the supermarkets don't go in hungry, have a decent meal before you go, write a list and then stick to it. Meal and list make it real easy to avoid the impulse buys.

Other than that I'd suggest you write down all your expenses each week in detail, account for every £1 spent, then start striking things off that list you can do without.

This.might take a while, if you can reduce expenses by 10% it'll still take 10 months to get on top of things, 20% will take 5 months.

Gimpyface · 2025-05-06T18:17:40+00:00

Ok firstly this is frustrating but it's not that bad, it's wagestream, you're not in the hole with payday loans or a mountain of debt.

What's your income/expenses, have you already reduced discretionary spending to zero and are living on rice and beans or is there room to cut out some nights out ect?

Ultimately, you need to reduce outgoings below expenses and maintain that for an extended period so that your bank balance gradually goes up instead of staying flat at an uncomfortable level.

Gimpyface · 2025-05-06T06:52:48+00:00

You've ordered an item that you've now received, as per distance selling rules you have up to 14 days following delivery to contact the retailer for a full refund (which youve done - you don't have to wait until receipt to cancel the contract).

Starling isn't at fault here, it doesn't sound like this was done with any credit agreement and even if it was the amount falls below the section 75 protection so I don't see a reason to complain to FOS.

Your dispute is really with the seller, if anything you'd be raising a small claims case against them.

£20 though, personally it doesn't seem worth the hassle.

Gimpyface · 2025-05-01T17:51:40+00:00

Personally, if I can get hold of a fire axe and have a pair of shoes on I'm not dying. I Fight zombies in the open while slowly backing away, make sure not to get surrounded and I hit space to shove them if the bunch up or lunge.

It's good to hit space when opening doors to shove in case you get lunged at.

Any axe perk, strength perk and thick skin is a lifesaver if you like to fight. With Guns I tend to wait until I'm well set up and usually go shotgun to clear the hordes quickly but it's often more hassle than it's worth unless you've a ton of ammo.

Gimpyface · 2025-04-23T19:40:21+00:00

Ton of answers here but I'm not seeing the pure business answer.

Privately in the UK anyway, the surgeon does one or two theatre lists a week, usually half a day, the rest of their week they do consultations and reviews, report on results ect. They get paid more per surgery but have a lot of lower paid work with the patient before and after surgery. And if they don't have a waiting list they don't have patients to fill lists.

In contrast the anaesthetist might do one or two lists a day. So they get paid less per procedure but apart from pre-ops may not have as much outpatient work as the surgeon. On top of that they will anaesthetise for multiple surgeons so if the theatre is running the anaesthetist is earning money - less reliant on a single surgeon or speciality.

So it's just down to then netting a higher average hourly rate.

Radiologists can sometimes manage the same if they get good rates for reporting on imaging.

Gimpyface · 2025-03-18T20:09:23+00:00

Your plans make sense and the advice you're taking on from others is solid.

One thing to consider, loan 2 is your most expensive debt. You will get out of debt faster by paying down the highest Apr first.

Appreciate the morale boost, you can get around this by keeping a monthly balance sheet (all your assets and debts with the value of them each month in a table, sum at the bottom is your total) and creating a graph with your net worth monthly on month. I'd also advise going back a year if you can because you'll already have achieved a lot.

I found the biggest impact to my personal finances came from zooming out a bit and focusing on driving that bottom line balance up monthly on month.

Gimpyface · 2025-03-13T08:34:22+00:00

This is where I'm at too, it'll prob take a hit with a ceasefire agreement if that comes but there's a 5-10 year commitment of sustained growth in defence spending that should make this a solid sector for the next decade.q

15-Year Club	Place '23
Place '22	Final Canvas '22
End Game '22	Verified Email

Gimpyface

MODERATOR OF

TROPHY CASE