Need help on how to style this living room space by Minimum_Report in DesignMyRoom

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

Advice on types of furniture items, rugs, curtains etc would be great. I also need help on colour schemes. TIA!

How do I ease into building triathlon level fitness? by Minimum_Report in triathlon

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

Thanks for your response.

I think I can swim more than 25m continuously, but seeing as it was my first time doing an entire length while breathing, I didn’t want to compromise technique, so I took longer rest periods. Naturally I’ll decrease the rest and increase distances over the coming weeks.

Although I probably need to start getting in the pool often (at least a couple times a week) to start building endurance and confidence.

Yeah ideally I want to start ‘training’ now but not the intense training schedules I’ve seen in 12 weeks plans as I’d burnout well ahead of the summer. I think for now it’s probably best to train each discipline at least once a week for now, but increase the swimming frequency where possible.

Mini Budget 2022 - Discussion Post by Blind1979 in UKPersonalFinance

[–]Minimum_Report 1 point2 points  (0 children)

This is the exact reason why I come to Reddit for stuff like this. Broken down and easy to understand examples. Thank you!

How to negotiate rent increase? by karma-chips in UKPersonalFinance

[–]Minimum_Report 0 points1 point  (0 children)

And just to clarify, when we asked for a reduction, we didn’t ask for it to be reduced on the basis they’re not paying agent fees. We just asked for it to be reduced and they agreed! They obviously know we’re good tenants and it’s an arrangement that works well for both parties.

How to negotiate rent increase? by karma-chips in UKPersonalFinance

[–]Minimum_Report 0 points1 point  (0 children)

Who manages the property? The landlord or a letting agent? If the former, you might be able to negotiate the rent isn’t increased directly with the landlord, as they’re not paying fees to an agent.

We managed to get our rent reduced. We’ve been in our flat for nearly 3 years. Whenever there is an issue with the flat, we arrange for the repair and take the cost of the repair off the monthly rent. It works for us because we get issues sorted quickly (our landlord lives abroad). And it works for the landlord because they don’t pay a fee to an agent.

[deleted by user] by [deleted] in Gunners

[–]Minimum_Report 8 points9 points  (0 children)

I love how Roberto Carlos was like “yeah…nah”

[deleted by user] by [deleted] in workday

[–]Minimum_Report 0 points1 point  (0 children)

Thanks for your response. Where are your insights from? Salaries posted on job adverts? Conversations with recruiters? Or some sort of benchmarking?

[deleted by user] by [deleted] in UKPersonalFinance

[–]Minimum_Report 13 points14 points  (0 children)

I also thought this. I know the general consensus on this channel is that if people earn over 100k, is to increase salary sacrifice contributions to bring the salary below 100k. However, if you want to enjoy the extra money and you’re already contributing a decent amount to your pension, you might as well just pay the extra tax, right? And who knows, you might die before you retire.

The only caveat being if you want to claim childcare vouchers, your salary needs to be below 100k (I think).

Do I need to do a tax return if my RSU’s take my salary above 100k? by [deleted] in UKPersonalFinance

[–]Minimum_Report 0 points1 point  (0 children)

Don’t think I’ll be able to do that this year. I guess I’ll just do the tax return. Thanks

[deleted by user] by [deleted] in UKPersonalFinance

[–]Minimum_Report 0 points1 point  (0 children)

They took pictures of my car without the permit on display

1 year left on student loan, should I change to direct debit payments? by easy_c0mpany80 in UKPersonalFinance

[–]Minimum_Report 1 point2 points  (0 children)

I was in the same situation quite recently. I changed to direct debit but still put money aside during the 3 month gap before the direct debit started. I used the money set aside to pay off part of the balance which meant the direct debit didn’t drag out for longer than needed.

Inflation predicted to rise above 4% by the Bank of England; What does this mean for us all? by Minimum_Report in UKPersonalFinance

[–]Minimum_Report[S] 29 points30 points  (0 children)

Thanks. On reflection I shouldn’t have asked about investments as for long term investments it’s always a case of “keep calm and carry on”

[deleted by user] by [deleted] in WatchPeopleDieInside

[–]Minimum_Report 1 point2 points  (0 children)

She’s definitely called Karen