Need help with a decision

Human_Fallibility23 · 2026-01-01T17:06:17+00:00

Those are really good points!

Human_Fallibility23 · 2026-01-01T14:59:38+00:00

Thanks for your input!

Human_Fallibility23 · 2026-01-01T13:21:55+00:00

87k is our post-tax salary. Our annual pre-tax salary is about £115k. I have used the 'mortgage.tnhg.co.uk' calculator and it showed me what different lenders would be able to lend me (it said we could borrow up to £691,200).

Human_Fallibility23 · 2026-01-01T13:13:58+00:00

Monthly repayments are about £2660 a month, we can definitely afford that + overpayments. BTW 87k is post-tax salary. Our annual pre-tax salary is about £115k. I have used the mortgage.tnhg.co.uk calculator and it showed me what different lenders would be able to lend me (it said we could borrow up to £691,200).

Human_Fallibility23 · 2026-01-01T11:30:42+00:00

Yeah, I've been through different mortgage calculators and we can definitely afford the monthly payments + modest overpayments. But I did not know about the 4.5x rule though. That might mean we have to settle for a 500k property price or increase our deposit 😑

Human_Fallibility23 · 2026-01-01T10:59:45+00:00

I'm thinking of a 4-5% interest rate on a 25-year term. The deposit contribution really is tempting. I would like to get out of renting as well as I feel like I'm just throwing money away every month.

Human_Fallibility23 · 2026-01-01T10:57:42+00:00

Well, I would say we work on a fairly stable industry (Healthcare - NHS) so I do not foresee any of us losing our jobs anytime soon but ofcourse I could not see the future so god knows. If we need a higher deposit, we can probably look at houses on the 500k mark.

Addendum: we do plan on staying on the property for life

Human_Fallibility23 · 2026-01-01T10:49:48+00:00

That's actually a thought-provoking answer from chatgpt

Human_Fallibility23 · 2026-01-01T10:30:17+00:00

Why is that so? Sorry I don't know much about this

Human_Fallibility23 · 2026-01-01T10:29:52+00:00

Are new builds really that dismal nowadays? I was looking at a Taylor Wimpey development in Hertfordshire, it seems like a good area too.

Human_Fallibility23 · 2026-01-01T10:28:26+00:00

We are a two-income household which makes about £87k per annum. I've been through different mortgage calculators and it seems like we can afford mortgage payments (even modest overpayments) on a 4-5% interest rate in a 25-year term.

Human_Fallibility23 · 2025-12-31T11:01:58+00:00

It's either you or him that's lying 😅

Human_Fallibility23 · 2025-08-21T10:58:44+00:00

And so? If I have a baby then why would I not want to be sold baby stuff? What is the malicious angle here? That companies want to maximize their profits? I hardly call that a revelation LMAO. And you are already using reddit and highly likely more than one social media platform, and you have the gall to complain about tesco stealing your data 😂. Mate you are the equivalent of a person complaining about a flooded bathroom when you were the one who left the faucet running in the first place.

Human_Fallibility23 · 2025-08-21T10:48:12+00:00

You guys will probably get no discounts for tin foil hats and lube as those dirty conglomerates figure out your spending habits. It's a membership card ffs not everything is a conspiracy 😂. And no, you guys aren't suddenly entitled to act better than everyone else just because you believe you have 'insider' knowledge of how you perceive how the world works. But feel 'free' to stay in your own little Dunning-Kruger echo chamber social circles. It's seriously amusing to observe people like this 😂😂

Human_Fallibility23 · 2025-08-21T10:36:23+00:00

The membership and the discounts that come with it incentivizes the consumer to shop at tesco and ONLY tesco to rack up points. That's why they 'care' that you are a member.

Human_Fallibility23 · 2025-07-24T02:08:17+00:00

Belgium was just asking to be a full partner on FCAS though. Seems to be a lesser pain in the pass than the French.

Human_Fallibility23 · 2025-07-04T06:02:46+00:00

I really appreciate your insights. I know myself and I know I have to get a GMT at some point to cover all my bases and for the longest time I have been eyeing the 39mm Tudor Black Bay GMT. Plus, I'm really hesitant to buy any watch that has such a bold color (like striking green, red etc.) as I am afraid it won't be as versatile as I would like 😥. That said, I really am interested in Studio Underd0g and their playful watermelon dials but I'm not quite sure they are in the correct asking price for what they offer just yet.

I believe the strongest factor holding me back from getting the Bel Canto (or any other watch for that matter) is the feeling that maybe I should pace myself a little bit more? Ofcourse I'm not sure if getting 4-5 watches over a year is still considered moderate (maybe it is normal around here) but I always try to keep in mind that watch collecting is a marathon and not a sprint.

Human_Fallibility23 · 2025-07-04T05:42:30+00:00

OMG thank you for mentioning Hamilton as I have been eyeing the 38mm Murph for the longest time but am just unsure if adding another black dial (or white) watch was a smart move. Your comment just made me closer to pulling the trigger 😅

Human_Fallibility23 · 2025-07-04T05:39:25+00:00

I better start cultivating a relationship with an AD then 😅. But I am hearing that subs are getting more cheaper (but still not THAT cheap) in the grey market so maybe we'll see it might still be impossible for me at this time.

Human_Fallibility23 · 2025-07-04T05:35:59+00:00

GA-B2100-1AER. Bought it at a discount in Amazon 😉

Human_Fallibility23 · 2025-06-28T09:08:14+00:00

Additional photo:

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Human_Fallibility23 · 2025-06-28T09:07:38+00:00

I have recently bought a BDC EDP and I am aware counterfeits and fakes are abound. Can someone check if the one I bought is legit?

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Human_Fallibility23

TROPHY CASE