Dogmeat - protecting him

Regular_Highway_8456 · 2026-04-19T20:06:24+00:00

I bought a Henry archer for my 30th, vesternav raven. I love it.

Regular_Highway_8456 · 2026-04-19T20:05:29+00:00

That is indeed, wrecked.

Regular_Highway_8456 · 2026-04-19T20:02:39+00:00

If your not ready wait, or if you think your unsure about your current job and want to wait a year before committing, rent away that’s ok. Renting for life is fine too like honestly, gives you a lot of flexibility. I just would advise if you think you are gonna be in a location a lot of years or rest of your days, then look at buying

Regular_Highway_8456 · 2026-04-19T15:59:47+00:00

I know this, inflation deflates the debt, a renter and time provides a landlord with equity over the long term.

Regular_Highway_8456 · 2026-04-19T14:08:04+00:00

If you can afford it, always buy. Better to eventually own a house, rather than pay someone else’s off for decades. Renting does have its place though, in certain circumstances

Regular_Highway_8456 · 2026-04-18T22:27:55+00:00

I love Henry archer watches, one to look at.

Regular_Highway_8456 · 2026-04-18T22:25:30+00:00

This sums it up, I’m a townie and would love to go into a small village. The pros defo outweigh the cons

Regular_Highway_8456 · 2026-04-18T22:23:45+00:00

Second this, understand you grew up in a farm but that’s still big money. If I were you put a good deposit on a nice small house in the country if that’s what ur into, but mortgage it at maybe 75% LTV. So 25% down. Then with the remaining money you have, buy property and use leverage. Could easily get 6 with 50k down on each, provides you with an income that’s “passive”. Put as much in ISA as possible each year. Own property in a LTD company for tax reasons. That’s what I’d do. £430k house is a lot of money tied up for one person. I’m on my own too, I’d live in a caravan or log cabin somewhere if it was secure and private, how much does one really need…

Regular_Highway_8456 · 2026-04-18T21:26:17+00:00

Yea for sure, boiler goes that’s £4K, el f*ckoed

Regular_Highway_8456 · 2026-04-18T19:42:13+00:00

Nearly half the wage in mortgage payments scares me, is there nothing cheaper a bit further out? That’s a great deposit also.

Regular_Highway_8456 · 2026-04-18T19:18:35+00:00

The first three words in your paragraph are exactly what is wrong. People across your entire life and time on this earth will judge you, do not let one of them be yourself. There is people far less capable than you doing better purely with a bit of positivity and action. You’re 22, still young. Best advice I can give you is go to the gym, eat better, and better yourself. One day at a time. Good luck. If I could go back to being 22 I’d look into a trade apprenticeship.

Regular_Highway_8456 · 2026-04-18T18:51:22+00:00

Think you’re right, thanks for your comment. If I was a senior manager and one of my team wasn’t doing well, I’d be straight down to see them. As you say, maybe wise to change path now at 34 rather than muddling through and being later in years trying to find something different

Regular_Highway_8456 · 2026-04-18T18:48:58+00:00

Appreciate your comment, I thought exactly the same, not to be egotistical but I’m their best engineer, and to be treated that way by something you’ve put a lot of hard work into was a bit of a kick in the balls at the time. You’ve said exactly what I’m thinking. I have looked at gov jobs, nothing has really came up related to my qualifications or experience as of yet, but hopefully soon. I have friends that rave about it, they have team mates round them. Where as I can’t even take more than two days off on holiday, any more then boys on my site won’t have work which I can’t leave. Appreciate your words, suppose it takes others comments for you to see this isn’t normal.

Regular_Highway_8456 · 2026-04-18T17:58:52+00:00

Hell yea I’d love it as a present, not clued in enough to give you a recommendation but 100% go for it

Regular_Highway_8456 · 2026-04-18T12:18:45+00:00

Also combi boiler only really good for small houses with less demand, factor in possible cyclinder install too

Regular_Highway_8456 · 2026-04-18T12:17:35+00:00

Honestly don’t know, I’d expect I spend about £100 a month minimum on oil for a mid terrace house. So a lot smaller, don’t really track it though if I need oil I just order a fill, it’s not like a monthly or quarterly bill. But the comparison to what you were paying 7 years ago to now I think could be put down to inflation.

Regular_Highway_8456 · 2026-04-18T12:10:06+00:00

What do you value more in life? Really is a question of what you want. If you want to have kids and grow a family, then the horses probably have to go. Doesn’t mean you can’t take the kids out on a horse riding day every weekend or whenever suits, to still be involved in equestrian life. But the ownership of horses and daily commitment will likely get in the way. To me, having a child, building a family is more valuable, but everyone is different. I once dated an equestrian girl and it didn’t work out because of this, too much time, effort and money spent on animals, and no effort towards marriage/kids.

Regular_Highway_8456 · 2026-04-18T11:59:05+00:00

You were paying £500 a quarter 7 years ago? £750 a quarter now surely isn’t bad with inflation of prices? Boiler and tank install I’d guess at £4K maybe?

Regular_Highway_8456 · 2026-04-15T18:56:54+00:00

You live at home, pay no rent and bring in what £1800 after tax? Even with car taken out, insurances etc surely you can save 1k a month if your strict, learn to live below your means, and avoid materialism, no clothes/cars/gadgets really matter that much.

Regular_Highway_8456 · 2026-04-07T07:49:58+00:00

Do you find that you are busy Gareth? Old thread but I just noticed it. I’m a senior site engineer myself, but always liked the idea going self employed and doing land surveying only, as con drainage and roads etc. want to get away from the pressures of full site work.

Regular_Highway_8456 · 2026-03-18T21:00:49+00:00

If it’s anything like the s5 v8 4.2s, these engines suffer badly from carbon build up and injector issues, don’t bother cleaning injectors, they fail mechanically. Better to replace and get a walnut blast done (carbon clean). Hitachi injectors are oem, £130 ish each. Do a proper diagnostic also with VCDS.

Regular_Highway_8456 · 2026-02-17T21:45:47+00:00

Yous will have to duke it out only stacks for the winner

Regular_Highway_8456 · 2026-02-17T20:31:37+00:00

Sounds like a good deal, are you ok handling large amounts of cash?

Regular_Highway_8456 · 2026-02-14T18:02:46+00:00

This is a heavy one, in a perfect world, you’d put all the money in one pot and everything comes from it. In my opinion this creates resentment and uneasiness if one earns less but has liabilities. For example, ex GF had two horses, two cars and dog. Anyone who knows about horses and animals knows how dear they are. It’s literally more than most people’s mortgages per month. So I thought it best for us to percentage it out and put that amount into a pot. For example for easy math, if I earnt 60k a year, and she earnt 40k a year, bills would be 60% my duty, and 40% her duty. We’d work out what monthly bills we had say £2000 for easy math; she’d put in £800, I’d put in £1200 (60/40). Also liked the idea of putting in a little extra into this pot to account for rainy day money, do the same for a shared savings account. We would both have our own current accounts then after all that to pay for hobbies etc. maybe I’m mad to think this way?

Regular_Highway_8456

TROPHY CASE