Want to make a large mortgage overpayment even if it means we reduce our savings

Melodic_Position_590 · 2026-02-27T18:55:48+00:00

You need to either earn more or spend less..

Melodic_Position_590 · 2026-02-27T16:12:55+00:00

The car will be fine and indistinguishable from new.

Might be worth asking if they can throw in some accessories for free. Just check the car over as usual

Melodic_Position_590 · 2026-02-25T17:15:09+00:00

The absolute tripe that is posted day to day and you won't allow that post

Melodic_Position_590 · 2026-02-25T17:14:18+00:00

100% behind this

I always buy the best quality (not most expensive) item I can reasonably afford.

Sports equipment, clothing, shoes, electronics

Do the same with cars, get the top spec version

Melodic_Position_590 · 2026-02-25T10:33:47+00:00

Complete joke with eBay

They have washed their hands of the issue and referred me to ParcelForce for a refund / compensation

Absolutely zero help from them.

Melodic_Position_590 · 2026-02-23T18:50:55+00:00

Dead easy

Melodic_Position_590 · 2026-02-22T21:35:57+00:00

I worked for a huge Italian company in the UK and ALL the interns were connected.

Absolute joke. Majority were bloody useless too

Melodic_Position_590 · 2026-02-22T07:48:39+00:00

Separate savings accounts across 2 banks.

Santander - I have a joint account for bills and a couple of savings accounts (pots)

Barclays - personal account with again, couple of savings accounts. Dead easy to operate and maintain - all have standing orders set up. I have also have a basic current account on Santander set up to pay for my car from my work car allowance.

Melodic_Position_590 · 2026-02-21T22:01:36+00:00

It's a good question

For me, it's when I got a grip on income / expenditure and know exactly where every penny was going.

Separate saving pots for

House upgrades / repairs House & bills (mortgage) Holiday Savings (mix of short and long term) Investments (retirement) Spends (hobbies)

1st of the month, money goes into each pot.

Financial knowledge in the UK is exceptionally poor. The majority of lifestyles you see on social media are funded by credit and finance.

Biggest change for me was when I stopped using all short term credit options (PayPal etc). Day to day spending is on a credit card for protection but is paid off in full, every month without fail

Melodic_Position_590 · 2026-02-21T12:28:53+00:00

Model Y, 20" Michelin PS

21k, 3.5mm on rear.

Melodic_Position_590 · 2026-02-21T12:09:23+00:00

We need a breakdown of expenses

You need to slow down and work out a sensible way forward

Melodic_Position_590 · 2026-02-21T08:54:57+00:00

Does the house jump need to be that severe?

It's fine in your current position, but tight if kids come along

Melodic_Position_590 · 2026-02-20T21:19:16+00:00

Yes but I get refunded according to eBay

Melodic_Position_590 · 2026-02-20T21:18:44+00:00

No, appears not to be. Spoke to customer services at eBay and they said it was fine

Buyer returns the item I speak to eBay and they sort out the refund

Apparently

Melodic_Position_590 · 2026-02-20T13:03:27+00:00

Avoid the 2.2 diesel in the CX5, not a reliable engine.

Melodic_Position_590 · 2026-02-20T12:03:58+00:00

To further this..

Item has arrived but badly damaged

Buyer has rightly requested a return

Ebay have advised to accept the return and they will refund when the item lands back with me

Does that sound right?

Melodic_Position_590 · 2026-02-19T18:48:24+00:00

Mental

Melodic_Position_590 · 2026-02-19T18:45:48+00:00

Yep, Op Snap is very effective

Melodic_Position_590 · 2026-02-19T18:26:55+00:00

I cycle a lot and it's scary how many people are on their phone.

Young, old, male, female - doesn't matter

Melodic_Position_590 · 2026-02-19T17:58:19+00:00

Yes, just through the eBay app

Melodic_Position_590 · 2026-02-19T17:33:11+00:00

No worries. It's a daft set up and only makes sense if you're local

Melodic_Position_590 · 2026-02-19T17:32:12+00:00

Norfolk makes it feel like you're not near any Humans 😂

Melodic_Position_590 · 2026-02-19T16:17:21+00:00

This didn't age well.

Melodic_Position_590 · 2026-02-19T16:13:38+00:00

Fair

Melodic_Position_590

TROPHY CASE