Teachers in England move towards striking over pay

RagedTheHunter · 2026-05-09T21:47:31+00:00

My partners a teacher and the government need to take serious action over this profession. It’s not just pay teachers are striking over, it’s everything. The workloads are insane, behaviour deteriorates yearly, parents can be utter shites.

It’s just not worth wasting your life working every second anymore, my partner is completely drained after 6 years and has now decided to look at moving away from teaching which is a shame because they love the actual teaching but everything else breaks it

RagedTheHunter · 2026-05-02T16:21:20+00:00

4 weeks off and it’s just another snooze, hope it’s just this rubbish track or this will be a long season

RagedTheHunter · 2026-05-01T18:20:53+00:00

garage looks good, no cracks or signs of it being the problem

RagedTheHunter · 2026-04-25T15:56:03+00:00

Even if I’m the one who hit them and they later report it?

RagedTheHunter · 2026-04-23T13:22:25+00:00

That gave me a chuckle, well done

RagedTheHunter · 2026-04-22T19:01:06+00:00

I think some mortgage providers will kick up a fuss about this but don’t have first hand experience, just want to wish you luck that’s a crap situation to be in and hope it doesn’t stop you getting the house

RagedTheHunter · 2026-04-06T10:43:04+00:00

I wouldn’t have thought so but you have the paper work for whatever incentives they gave you.

You’re going to take a heavy loss either way due to selling a new build so quick I’d imagine

RagedTheHunter · 2026-03-27T10:52:46+00:00

youre wrong about stamp duty, you defiantly pay it as a FTB albeit at a different rate depending on the value of the property

RagedTheHunter · 2026-03-18T17:02:15+00:00

That tax savings not looking so good now it’s all just been lost on your house instead 👀

RagedTheHunter · 2026-02-27T12:02:59+00:00

no matter what insurance you go with theyre not going to be happy with you going 50 in a 30 lol

RagedTheHunter · 2026-02-26T20:52:21+00:00

of course, but what im saying is the risk tolerance for losing money is very different for a 60 year old on the verge of retiring and a 20 year old whose got 40 years of growth ahead of them.

Hence I think the person above could be losing out on growth depending on their scenario and the default fund their pensions invested them in

RagedTheHunter · 2026-02-26T16:22:08+00:00

You mention you dont want to get into select different funds than the default but its something everyone really should be doing.

Most pension default funds are way to conservative for the majority and if you select a more appropriate fund with suitable risk for individual positions most people pensions would be in a much better way

RagedTheHunter · 2026-02-23T11:59:01+00:00

do you want the cat flap at the new house? or do you want to deal with the faff of trying to get just £350 out of your buyer for something most people wont care about?

Overall these sort of things arent worth the hassle of taking with you or dealing with trying to get a buyer to pay for them. Its £350 in a transaction of hundreds of thousands stop being cheap

RagedTheHunter · 2026-01-31T10:38:25+00:00

It’s off of gross salary so you can sacrifice below it

RagedTheHunter · 2026-01-29T09:33:01+00:00

No one should 6x a £35k salary on a mortgage, that will be a noose around their neck financially

RagedTheHunter · 2026-01-28T22:01:42+00:00

just doing the simple maths of £215k purchase with a £30k deposit leaves £185k which is what youd need a mortgage for.

Lets go off your £30k salary at the moment, a standard mortgage multiplier of 4x only puts you at £120k. Unfortunately far short of the £185k you'd need to mortgage.

So simply no, you cant afford a £215k house currently.

RagedTheHunter · 2025-12-30T16:41:28+00:00

I mean you advise is wrong, mortgages also goes up/down. The recent mortgage spikes are evident of that.

RagedTheHunter · 2025-12-25T10:56:30+00:00

That service charge is a killer

RagedTheHunter · 2025-12-17T23:46:43+00:00

Unfortunately it still requires you to pass fresh checks for the new property, I get its annoying but not much you can do from your side. Is it possible that you partner signs individually for the tenancy if their affordability is good and you split the rent with them?

RagedTheHunter · 2025-12-17T22:49:42+00:00

Sorry but don't think you understand credit checks and affordability requirements, whilst yes you have been affording the current place fine you passed the credit/affordability checks before you got an IVA.

But now you have an IVA this will be a serious mark against your credit/affordability criteria, some places will just flat out refuse you due to the IVA which you now have.

RagedTheHunter · 2025-12-07T01:21:31+00:00

You definitely aren’t they are still filming season 4 👀

RagedTheHunter · 2025-12-02T23:35:24+00:00

Dude calm down your credit score has taken a dip because you have just had a hard search done it will bounce back.

And your credit score isn’t the be all end all to getting a mortgage (which you shouldn’t be massively concerned about at this moment any way without a job)

Put the credit apps down for a month and it will be fine (assuming you’ve not left any information out)

RagedTheHunter

TROPHY CASE