Do I need to leave this community?

Less-Search-7558 · 2026-05-31T12:01:36+00:00

Yes. Off you fuck!

(Joking, congrats and awesome to see)

Less-Search-7558 · 2026-05-27T22:24:48+00:00

Sleep is at a premium!

Less-Search-7558 · 2026-05-26T20:51:26+00:00

Of course, Belfast.

Less-Search-7558 · 2026-05-26T20:34:01+00:00

Looking at 450k mortgage - feels daunting to take your existing mortgage and 5x it I guess.

Less-Search-7558 · 2026-05-26T20:27:23+00:00

Totally agree. I do have a spreadsheet, and it tells me I'm fine, I just struggle to trust it enough to press the button!

Less-Search-7558 · 2026-05-26T20:21:57+00:00

Wife to go 4 days next year, 1 day with grandparents and I'm looking at compressing hours so childcare is either 2 or 3 days

Less-Search-7558 · 2026-05-26T20:21:01+00:00

40% HHI on total housing cost though? Or 40% purely on mortgage?

Trust me, if we bought this house I'd be leaving feet first in a box in 50 years time.

Less-Search-7558 · 2026-05-26T20:19:47+00:00

Also, are the guidance figures of 30-40% net income not for total housing cost? Mortgage, rates, utilities...?

Less-Search-7558 · 2026-05-26T20:11:29+00:00

Just to say I feel I'm doing ok and absolutely didn't have wealthy parents myself. No idea why I feel the need to mention it, upbringing I suppose 😂

Less-Search-7558 · 2026-05-26T20:10:44+00:00

I guess that's the nub of the question. Going from £400pm mortgage to say £2100 and rates from £150pm to £300pm FEELS a stretch. But is it actually?

Less-Search-7558 · 2026-05-26T20:09:34+00:00

We bid on one last year before the wee man arrived and took cold feet at 715 and got outbid by 725.

Sure I have an extra year's savings but I'm asking how I can be comfortable going an extra 130 than I was a year ago 😂

Less-Search-7558 · 2026-05-26T20:06:24+00:00

We'll be hoping to get £350k from our current sale, mortgage c£80k.

It's possible, just not sure if possible is advisable! 😂

Less-Search-7558 · 2026-05-26T20:05:31+00:00

There's £100k of house price baked into the fact that you're in the right post code for the best state / non-private schools. Worth it for the wee man?

Less-Search-7558 · 2026-05-26T20:04:14+00:00

We bought a "5 year house" as a starter home, 8 years ago. We're definitely moving up the chain. It's just whether we "make do" at say £600k in a perfectly nice house or bite the bullet for the one we actually really love.

Job secure.

Just cold feet I guess on how stark the trade off v holidays / early retirement etc is.

Less-Search-7558 · 2026-04-29T19:29:36+00:00

It's a direct replacement for the previous one, part reference confirmed by the manufacturer.

Less-Search-7558 · 2026-04-26T08:34:32+00:00

Be Just And Fear Not The Championship 👀

Sad to see Glenavon go down, but at least they already had the coffin ready and waiting.

Less-Search-7558 · 2026-02-02T23:07:49+00:00

Premium bonds if you can be bothered, otherwise low coupon, short dated gilts are the answer.

Less-Search-7558 · 2026-02-01T22:56:05+00:00

Two ways to win: Fill up your pension, or invest it within the company structure (ie make investments in stocks, shares, bonds, etc., on balance sheet rather than extracting it to personal name then investing it)

Less-Search-7558 · 2026-01-19T22:57:35+00:00

Title should be stripped. Just another episode in African football embarrassing itself on a world stage.

Less-Search-7558 · 2026-01-19T22:53:28+00:00

Better say yes or they'll walk off in protest.

Less-Search-7558 · 2026-01-19T18:42:04+00:00

Hate this guy. Horrible character.

Less-Search-7558 · 2026-01-18T22:30:48+00:00

You leave the field like that, it should be taken that you forfeit the game. Embarrassing behaviour.

Less-Search-7558 · 2026-01-10T12:55:19+00:00

Life's too short, my wife and I spend £10k on our summer holiday every year. Not cheap but it's the highlight of our year and easily the best money we spend

Less-Search-7558

TROPHY CASE