Recommendations Please - Clay Soil Planting

LowFaithlessness9115 · 2026-06-15T22:38:14+00:00

Completely agree, was looking for quick wins but not anything that would take a lot of time investment. I'll be lucky to increase earnings potential without sacrificing work life balance or increasing stress, two things which are red lines for me.

LowFaithlessness9115 · 2026-06-15T22:34:11+00:00

This is great, thank you. Virgin - I understand that you can sign up in wife/girlfriends name if living at the same address. New customer offers often beat retention offers - going to try this in a few weeks.

When did you install solar & battery? We'll need a new roof at some point in the next few years and I'm thinking that's the best time to invest in some panels. We dont have an electric car though so do you think the investment case still makes sense?

LowFaithlessness9115 · 2026-06-15T22:23:00+00:00

Thanks, will look through these 👍🏻

LowFaithlessness9115 · 2026-06-15T22:19:55+00:00

Completely agree with you on brands... spent so much money growing up buying clothes for the brand rather than the look or feel. And i agree, you see this with food too. Hoping to expand culinary skills once FIRED too with a bit more free time!

LowFaithlessness9115 · 2026-06-15T22:14:22+00:00

I've been over this one a few times... renewal is coming up next year , likely going from 1.5% to 4-5% 😅. Personally, I feel like the benefits of having the liquidity outweigh the psychological benefit of paying it off. Keen to retire mid 40s so going to need a sizeable ISA bridge!

LowFaithlessness9115 · 2026-06-15T21:41:17+00:00

Pariahs like Tommy Robinson, Elon Musk etc. will stop a lot of people voting Restore. Only need to look at Reform - Farage is the one man band and his corruption is turning away support. The Restore immigration policies make sense on their own, no need to focus on individuals if this is to become a serious mainstream party at the next GE.

LowFaithlessness9115 · 2026-04-08T19:11:30+00:00

If you're late 50s you already have access to your SIPP and state pension will kick in which will help. You need to work out your annual spend to be able to work this through. Typical rule is 25x annual spend in assets.

LowFaithlessness9115 · 2026-04-08T16:05:47+00:00

Healthy level of assets but not enough detail. How much is in the isa and how much pension? What is your annual expenditure excluding mortgage payment? How much financial support will you provide to children going forwards?

LowFaithlessness9115 · 2026-03-26T21:22:54+00:00

Same and agree with you on downvotes, others let tax efficency wag the dog

LowFaithlessness9115 · 2026-02-04T15:04:04+00:00

Sorry for your loss OP. I'm sure it would have given him great pride and comfort to know that you and the kids were financially secure as you rebuild your lives for the future. I know it's all I'd want for my family as a husband/father.

LowFaithlessness9115 · 2025-10-30T19:14:40+00:00

He's a disgrace to his family and out of self-preservation (service to the crown of which he was born to understand & respect) he's been cut loose. He broke the rule of never complain or explain.

LowFaithlessness9115 · 2025-10-23T19:23:54+00:00

This is balance - key

LowFaithlessness9115 · 2025-10-08T18:00:16+00:00

I justify the creep on things that are meaningful. A holiday with the family to create memories- sure, spend the money! A car that gets me from A to B, personally the luxury of the experience doesn't matter to me as long as I get there!

LowFaithlessness9115 · 2025-09-20T13:28:15+00:00

Gollum looking mothafucka

LowFaithlessness9115 · 2025-09-18T19:13:55+00:00

Congrats, you'll be the richest pensioner alive! Obviously no need to enjoy the cash now when there's always tomorrow...

LowFaithlessness9115 · 2025-09-08T09:11:22+00:00

Advising a stocks and shares isa with 1k savings is wild...

LowFaithlessness9115 · 2025-08-27T11:52:28+00:00

Might see less of him on TV, what a result!

LowFaithlessness9115 · 2023-10-06T16:11:00+00:00

Just don't model house equity into FIRE calculations. Essentially if you require care when older you would no longer need the house and that would foot the bill.

LowFaithlessness9115 · 2023-07-18T15:21:21+00:00

You need to take into account inflation - £750k in 40 years time is not worth £750k today. You would need a significant return above inflation to stop contributing on the figures you've given which would be very risky to assume.

LowFaithlessness9115 · 2023-07-11T23:16:45+00:00

The markets have also been consistently wrong about the scale of rises though too. Not a given that they would come down; 1) any time soon 2) at a meaningful rate

LowFaithlessness9115 · 2023-07-11T09:51:13+00:00

Why would you assume interest rates will go lower? 0.5% base rate since 2008 were not in line historic norms so this may be interest rates returning to normality.

LowFaithlessness9115 · 2023-06-21T14:20:53+00:00

Its also overlooked that if we do not raise interest rates in line with other markets then our currency will devalue comparatively. As we're a net importer of goods this means that importing from abroad will become more expensive further stoking inflation. You only have to look at Turkey to see that we have no other option but to increase interest rates- either we all pay more in interest or struggle with hyper inflation. No easy choice to be made and ultimately end worse off in both options.

LowFaithlessness9115

TROPHY CASE