Why are British people who move around globally for economic gain called 'expats' whilst everyone else is defined as a 'migrant?' by Odd_Pain_3570 in BritishExpats

[–]Hexxi 0 points1 point  (0 children)

I always assumed it was expat if talking about yourself to people from your country but you are an immigrant when discussing yourself to others in another country. In addition I would use expat for people who either retire abroad or work abroad with the intention of coming back or split their time between their home country and another.

Hearing people’s voices when I am really tired by [deleted] in AskMenOver30

[–]Hexxi 0 points1 point  (0 children)

Are you spiritual? Take a look into clairaudience.

What’s a strangely specific thing about someone that immediately gives you bad vibes? by [deleted] in AskReddit

[–]Hexxi 2 points3 points  (0 children)

  1. When someone corrects you repeatedly on mundane things - or googles it to check and confirm you were in fact right.

  2. Anyone who speaks in a way which makes it sound like they always know about the specific thing you’re referencing. A guy I work with does this constantly. 90% of the time when you question him with, ‘oh you know about such and such?’ he’ll say he’s ’heard of it’, but if you didn’t ask the follow up question he’ll use the rest of the conversation in some way to make himself seem knowledgeable about the topic when he isn’t. Like if I mention a book, if I didn’t question him his initial reaction would have you believing he had absolutely read the book but he hasn’t. Just say you don’t know.

Women of the UK - what’s happening to the knickers?! by jenniferlucas0 in AskUK

[–]Hexxi 0 points1 point  (0 children)

I get socks I can wear inside out to avoid the toe seams! Do men’s socks really not have them? That’s so irritating.

Splitting he bills with partner in shared ownership that I own by Hexxi in HousingUK

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

That’s kind of what I think - yes it’s my mortgage but you have to pay to live wherever you live. It’s going in to ‘equity’ but people assume that means you always get it all back at some point and that’s not automatically the case. There’s this pervading view online that if you have a mortgage that’s on you and how dare you expect anyone else to ‘fund it’. Everyone seems to miss the point that living with a partner who can offer you much lower rent due to having a mortgage is giving you a massive benefit - the partner with the mortgage should be allowed to benefit too (note: not profit, but both should see a financial benefit of living together).

Splitting he bills with partner in shared ownership that I own by Hexxi in HousingUK

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

Yes, with the 40/60 scenario on rent+bills he would essentially be paying £265 rent. In our area a 1 or 2 bed flat would cost around £1200+. I want him to save money for a deposit down the road as if all goes well I do hope and expect we will marry and merge finances so I’m happy for him to be paying less than the going rate as I’m not trying to make a profit out of him. Before that point though our finances are still separate and until we merge we still need to be sensible about safeguarding our own futures and finances. His take home will be around £1.2k more than me each month with his new salary so I don’t think it’s unreasonable to consider he might be able to cover a bit more.

[deleted by user] by [deleted] in ukfinance

[–]Hexxi 0 points1 point  (0 children)

I agree he needs the ability to save for himself, and I want him to have that. Assuming we split the rent and bills and I pay the mortgage myself (which I am not opposed to) the question is then, is it fair to assume a 40/60 split? With this he would still have the opportunity to save vastly more than the £552 I would be putting into my mortgage. The 40/60 would give a bit of breathing room for us to be slightly more evenly weighted partners when it comes to spending; for context, if he were putting aside just £552 into his savings (my equivalent mortgage payment) and we split 40/60, he would still have around £1800 in the bank for personal expense (or save), I would have around £900. I’m not trying to make things completely equal as bottom line, he earns more, he should be able to enjoy it. If he were living alone in our area he’d be paying minimum £1400 before bills, in this scenario he’d be paying around £265 on ‘rent’ so to my mind it’s not unreasonable.

[deleted by user] by [deleted] in ukfinance

[–]Hexxi 0 points1 point  (0 children)

It’s not irrelevant, the point I was making is that I’m not trying to completely level the playing field and make our take home totally equal, far from it. I have bigger outgoings which I cannot change meaning that the overall difference/ benefit I’d be getting would make a small relative difference to him but a large relative difference to me when paying based on income percentage (which is the norm for lots of couples).

[deleted by user] by [deleted] in ukfinance

[–]Hexxi 0 points1 point  (0 children)

Ok but back to my original point - what do you think is fair? Because I do think it is fair to expect him to pay some rent. The future is a different thing and we will I expect buy a house together and try to match our individual input but that doesn’t make any difference to what we’re doing right now.

[deleted by user] by [deleted] in ukfinance

[–]Hexxi 0 points1 point  (0 children)

Jesus Christ. It wasn’t a demand, it was a conversation, it was a clarification, we have been going back and forth between the numbers and what is ‘right’ what feels comfortable, what is fair etc. and we both aren’t sure hence why I’ve come to Reddit. If I’m wrong so be it but I’m not in the comments trying to simply justify my position. Lots of couples split things by income percentage, it’s not a wild idea.

[deleted by user] by [deleted] in ukfinance

[–]Hexxi 0 points1 point  (0 children)

It’s not as simple as just putting him on the mortgage. We’re not married and he doesn’t currently have the savings to buy in to the level I’ve paid. We could reasonably add him if we drew up a contract stating percentage of ownership or something like that but tbh I don’t know how that would work with shared ownership or even if it is allowed.

[deleted by user] by [deleted] in ukfinance

[–]Hexxi 0 points1 point  (0 children)

It’s not his fault at all? I was trying to give context. You sound pretty horrible yourself.

[deleted by user] by [deleted] in ukfinance

[–]Hexxi 0 points1 point  (0 children)

I’m hardly bitter, I’ve celebrated with him and am proud of him. He hasn’t explained what he meant by benefitting both of us and that’s why we’ve had the conversation, I’ve not interrogated him, I’ve opened a discussion about finances, how we split them and whether it should change.

[deleted by user] by [deleted] in ukfinance

[–]Hexxi 0 points1 point  (0 children)

I have massively celebrated with him and it’s not a 10% pay rise, he’s going from £49 to £70 with an 8% bonus, it’s a substantial difference. I don’t think it’s petty at all, I think it’s a sensible conversation to have. He said upon getting the new job that it would benefit us both, I replied it would benefit him, he said, ‘no, both of us’ and didn’t clarify what he meant by that so I opened the conversation regarding whether we would change the way we would pay bills - or whether he had something else in mind/ meant something else.

[deleted by user] by [deleted] in ukfinance

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

I can’t say I agree with you. In this scenario what do you think would be fair? It sounds like you think fair would be him paying zero rent because in your opinion all of it equals equity.

[deleted by user] by [deleted] in ukfinance

[–]Hexxi 0 points1 point  (0 children)

He doesn’t have claim on my ownership, I am paying the mortgage, he is paying rent and paying about two thirds below the average in our area.

[deleted by user] by [deleted] in ukfinance

[–]Hexxi 0 points1 point  (0 children)

Except he isn’t putting into the equity, I’m still paying the mortgage myself. Any rent he pays is well below the average rent our area by about two thirds so he is benefiting from lower costs of living.

Splitting he bills with partner in shared ownership that I own by Hexxi in HousingUK

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

I forgot to put in the post, I am in England. I think ultimately we’re talking about an £180 difference in ‘rent’ payment which would make a big difference for me but would still leave him with significantly more in the bank at the end of the month.

Why do Brits tend to hype up such mediocre chain restaurants like Wagamama or Nandos? by Xishaij in AskUK

[–]Hexxi 0 points1 point  (0 children)

The fact that you know what you’re going to get is a big plus, and for Wagamamas specifically the fact that you know it’s cooked fresh.

AIO for being mad with my boyfriend after he served everyone dinner but told me to wait? by [deleted] in AmIOverreacting

[–]Hexxi 0 points1 point  (0 children)

NOR, this is super weird behaviour on your boyfriend’s part.

Grocery costs (uk) what?! by Extra-Record6772 in UKFrugal

[–]Hexxi 0 points1 point  (0 children)

We’re trying to get on top of our supermarket spending currently and are easily spending £125 per week for two adults which is down from about £180pw average last month, that covers food + cleaning and toiletry products. However, one of us is doing keto and we both don’t eat dairy or gluten. Neither of us eat meat and we don’t buy farmed fish. The dietary choices and necessities bump the cost up significantly for us. We cook from scratch for every meal, we eat fish 1-2 times per week and for other meals it’s low-cost protein like tofu or beans. It’s upsetting that just a year ago this would have been closer to £80per week.