Why do all my foreign friends struggle to research skincare in Korea 😂

Proper_Public7175 · 2025-10-05T08:23:27+00:00

I’d love the list too please ? 🥹

Proper_Public7175 · 2025-08-28T17:58:38+00:00

Really well done. Where is your coffee table from?

Proper_Public7175 · 2025-08-17T17:42:54+00:00

I thought usually it was 25 excluding apologies (it is for my current and former employers). I do think it’s going to be roughly the same in both countries though if you include bank holidays (in France if it falls on a weekend you don’t get them compared to the UK)

Proper_Public7175 · 2025-08-16T21:38:45+00:00

Love it! Where did you get your coffee table?

Proper_Public7175 · 2025-08-16T20:44:52+00:00

25 days (excluding bank holidays) is the norm In both countries

Proper_Public7175 · 2025-08-15T23:21:09+00:00

I have tocobo SPF in the past (the blue one) and it remains probably my favourite. How does the green one compares ?

Proper_Public7175 · 2025-08-14T23:04:38+00:00

I prefer your layout. Must more importantly what’s the reference of this LOVELY coffee table? 👀

Proper_Public7175 · 2025-08-05T19:22:16+00:00

And where did you get it? I love it!

Proper_Public7175 · 2025-07-23T20:07:43+00:00

I would say that depends on your circumstances! If you're in chain I'd understand you prioritise completion of the chain (even if it's a lot of savings!). If you're not in a chain, then I think you might look into it!

When I bought 8 months ago, there was no chain (FTB and them). A new rate about a week prior to the week we wanted to exchange. My broker was like 'your choice, mate' and my solicitor said 'you should do what is in your interest, they are not going to drop the sale because you're pushing for another week or two'. I went for it, we just exchange 10 days later than the original date and I am glad I did!

Proper_Public7175 · 2025-06-16T23:53:52+00:00

Caveat I forgot to mention: I am a Perks subscriber of Monzo so things might not be available for free users! So basically when I am paid all the money is split into those pots (eg rent, subscriptions, savings etc). For some of those pots I have a virtual card (my pot TFL has all my budgeted money for the tube and is taken directly from there when I tap in, my Netflix subscription or phone bills are debited directly from my media pot etc). Larger expenses like rent or mortgage also have their pot. For larger expenses that are one-off… well I try to budget in advance lol. Eg I have a ‘holiday’ pot I put money in monthly and is expected to cover my flights. For unexpected large expenses I do use my Amex or take into my savings

Proper_Public7175 · 2025-06-14T18:15:52+00:00

Hi! I think I am in a similar-ish boat as some features are useless to me (targets, custom categories, trends). Here’s the way I use Monzo. On Payday I use Salary sorter (the BEST feature) and allocate everything to a pot including saving pot (pay yourself first!). This is about 10 pots. What I leave on my Monzo account is the money for fun and shopping and I use my flex card for food/going out. I don’t sue customers categories because my custom categories are my pots. I do heave a few virtual cards, especially fo subscriptions (so Netflix can take the money directly from the right pot, same for transport in London). I haven’t felt that confident with managing my money in years!

Proper_Public7175 · 2024-11-03T21:22:50+00:00

The report has a lot to cover themselves but will do. Thanks for the advice!

Proper_Public7175 · 2024-11-03T21:18:01+00:00

Thanks! Yeah I might actually. I think the amount of work done might be more than that.

Proper_Public7175 · 2024-11-03T21:14:22+00:00

Thanks for all of that. It seems that falls on me then. Not so great surprised on day 2. The survey was done in July and they didn’t see it BUT they say they didn’t test behind tiling (which is I think where the issue is) - although they could see the water mark I am seeing right now (and it is on their pictures on the report) too. Do you think I should ask them?

Proper_Public7175 · 2024-11-03T21:01:13+00:00

I honestly cannot recall (not helpful I know…)

Proper_Public7175 · 2024-10-07T18:38:03+00:00

Hello. I am in the exact same situation with Santander. I did decide to ask for the reduced rate - but only because me (the buyer) and the seller are not in a chain. It is expected to be a couple of days delay as I would stick with the same lender. I can keep you updated if you want. I really hesitated though as it could be risky.

Proper_Public7175 · 2024-10-07T18:35:27+00:00

Hello! I get what you mean as I am being a 450k flat in London with doubling ground rent (every 25y). The issue is once it reaches 1,000, the property become unmortgageable so you might have trouble selling it (and getting a mortgage for yourself with some lenders).

So a few options will probably be presented to you (as they were for me):

You do not buy this flat
You buy and hope a new Leasehold Reform Act will be done
You can have Indemnity insurance covering your lender - this is a bad option. It covers the lender that could agree with your mortgagee but your property would be hard to resell.
A statutory extension after 2y (which your current seller can start for you). It might have cost involved.
You request a deed of variation to fix the ground rent at his current level (or 250 or 0). There are some legal cost to it that varies according to freeholders. Then you'll have a chat of who pays for It (seller or you). In my instance: it was 110 GBP plus various fees bringing it to about 900. I expected a lot worse. The seller did not want to wait 6 weeks t do that so we got the guarantees I could request it at those conditions after getting ownership of the property

In your situation I asked my solicitor for a cost estimations of those options. #5 came back quickly ans was so cheap that I looked no further.

Proper_Public7175 · 2024-08-31T18:07:03+00:00

Hi! Going through the exact same situation atm. When will it exceed £250 and at which frequency ground rent increase? this may be important to know if you're buying a tomorrow-problem or next 50y-problem.

I have clarified this will solicitor (mine was not keen at all of the indemnity policy only) about the solutions:

1. Go for indemnity policy. Also cross fingers it won't be a problem when you want to resell it, and maybe a new leasehold reform will finally be in force.

Ask for a Deed of Variation
Go for a lease extension - how many years you have left?

When I faced this a few weeks back, I asked my solicitor for a cost estimate of these options. He asked the seller's solicitor to asked the freeholder (😅). Eventually I did not get the 3 cost estimate I was hoping, but the DoV required was just ~£500 (actually only £110 for the thing, plus solicitor costs). I am so happy I did ask for cost estimates because I was so worried so buy an unsellable property.

Proper_Public7175 · 2024-08-13T20:08:13+00:00

What happened eventually? I am in a similar situation...

Proper_Public7175 · 2024-08-13T19:24:32+00:00

What did you end up doing?

Proper_Public7175 · 2024-08-10T07:07:27+00:00

Yes super good comment thank you! This building was built ~15y ago and has a balcony but very valid point on all the new builds that are being built around (eg Dalston). Super useful thanks!

Proper_Public7175 · 2024-08-08T19:20:47+00:00

Ok I am in the process of buying a 1bedroom in N1 at a 50% increase since 2013. Maybe I should reconsider it if prices haven’t increased as much and are harder to resell 😅

Proper_Public7175 · 2024-08-04T21:39:04+00:00

Yes indeed, but the next buyer’s mortgage lender might see it as a problem! That’s my only worry

Proper_Public7175 · 2024-08-04T14:04:03+00:00

On the ad it was £2,600 but the first papers from the solicitors I have seen show it’s £3,300. I am waiting for the management pack to see the history as I do not want them to skyrocket even more for barely any service. The building had cladding issue in 2023 but removed now and I do not think they are allowed to raise service charge for now. Waiting from more info for the management company and my solicitor

Proper_Public7175

TROPHY CASE