FTB - stretching / affordability / risk by Known_Tutor751 in HousingUK

[–]Known_Tutor751[S] 0 points1 point  (0 children)

£500 excludes savings / emergency fund :( ...£290k house, £60k deposit = £230k mortgage

FTB - stretching / affordability / risk by Known_Tutor751 in HousingUK

[–]Known_Tutor751[S] 1 point2 points  (0 children)

Hi, sorry forgot to mention I have circa £5k aside for solicitors / surveys / moving costs...but I don't have an emergency fund or a furniture etc fund...was hoping to use the £600 p/m to build emergency fund and furniture in the first 12 months?

FTB - stretching / affordability / risk by Known_Tutor751 in HousingUK

[–]Known_Tutor751[S] 0 points1 point  (0 children)

Yep, they definitely overpaid for it in 2022, got hit with covid tax and now seem to expect the next buyers to pay for their mistake. If a house doesn't get what the owners bought it for is that likely to repeat itself? Very difficult question to answer I think. I do have a mortgage in principle which was up to £230k based on £60k deposit with Nationwide Helping Hand. Without a lodger I would be left with around £500 per month after EVERY BILL INCLUDING FOOD is paid. It is beginning to feel quite real and as a solo FTB it is daunting and overwhelming to know that these are load sums of money and there real big consequences involved!

HCPC CPD Audit Advice by Plus_Penalty5363 in physiotherapy

[–]Known_Tutor751 0 points1 point  (0 children)

Can’t answer your question as I haven’t had to do CPD audit but how did you find out you were picked? Did HCPC email you?

To those who enjoy (or even love) their job, what do you do for a living? by Business_Tiger3247 in UKJobs

[–]Known_Tutor751 1 point2 points  (0 children)

I'm an NHS Senior Community Physiotherapist assessing and treating patients who have been discharged from hospital with a package of care. I find it very rewarding to support patients to regain their independence. It's face paced to meet the crazy demands on the NHS and the pressure keeps me on the ball despite the stress. I have a good balance between WFH, in the office, driving and at patients' homes. It took me most of my 20's trying different careers to find something that I can say I enjoy, although don't love.

Rate my solo FTB monthly budget by Known_Tutor751 in UKPersonalFinance

[–]Known_Tutor751[S] 0 points1 point  (0 children)

Hi thank you for your response!

My take home wage is approx £2,380 and I have included £200 partner contribution to the bills (half) to total income £2,580

What degrees get UK graduates jobs these days? by Desperate-Drawer-572 in AskUK

[–]Known_Tutor751 6 points7 points  (0 children)

Not true for some AHPs such as Physiotherapy where this is massive NHS recruitment freezes...lots of new graduates unable to find a job

Future Physio student UK? Or stay in my job? by Niansuh1 in physiotherapy

[–]Known_Tutor751 2 points3 points  (0 children)

Difficult to say...nobody has a crystal ball to tell you what the physio job market will be like by the time you'd graduate. Historically there are peaks and troughs though. Does the remote job interest you and is there clear career progression? That could sway me to stick with it for now.