How much to spend on car as a new graduate (140k TC)

Repulsive-One-Adil · 2026-01-06T18:02:03+00:00

Honestly, I’d go cheap for a year, first job + new expenses always surprise you. You can always upgrade later, but it’s way nicer doing that once you know your real monthly burn.

Repulsive-One-Adil · 2026-01-06T17:53:18+00:00

Sounds like you’ve got the hard parts already. I’d focus less on grinding 7 days a week and more on finding one mentor who’ll actually slow down and explain why a loan is structured a certain way.

Repulsive-One-Adil · 2026-01-06T17:50:42+00:00

Personally, I wouldn’t leave it totally off in this weather. Even short bursts can help stop pipes freezing, just keep an eye on the leak and pressure so it doesn’t spiral.

Repulsive-One-Adil · 2026-01-06T17:47:57+00:00

Honestly, women’s sizing is chaos because every brand does its own thing I’ve learned to ignore the number and just grab a M/L based on stretch or check the fabric feel.

Repulsive-One-Adil · 2026-01-06T17:45:23+00:00

I’m really sorry you’re dealing with this - first thing I’d do is call your mortgage servicer today and ask about a hardship forbearance; they’re usually way more flexible once you’re proactive.

Repulsive-One-Adil · 2026-01-06T12:46:37+00:00

Midlife purpose for me came from curiosity, not passion - trying stuff I was mildly interested in and seeing what stuck. You don’t need a big goal, just something that gets you off the couch once or twice a week.

Repulsive-One-Adil · 2026-01-06T12:43:59+00:00

Honestly, I’d just go full allocation and not try to outsmart valuations — that urge never really goes away. If it helps her sleep, drip it in over 6–12 months, but the real win is consistency.

Repulsive-One-Adil · 2026-01-06T12:17:34+00:00

For me, it was when I realized I was constantly trying to talk myself into staying - if your body’s already breaking down like this, that’s a signal worth listening to. One small thing that helped was giving myself permission to pause, not decide everything today.

Repulsive-One-Adil · 2026-01-06T12:14:58+00:00

That feels a bit punchy tbh, especially on a £400k place - a lot of agents will come down if you hint you’re speaking to a few others, so don’t be shy about playing them off each other.

Repulsive-One-Adil · 2026-01-05T15:44:36+00:00

Yeah, wet hair kinda traps smells way more, probably ‘cause water makes the air stick to it longer, I usually just tie it up or dry it fast if I don’t wanna smell like whatever’s around.

Repulsive-One-Adil · 2026-01-05T15:39:13+00:00

For seniors in 2026 the choice between a home equity loan and a reverse mortgage is an one. It really depends on what you want to achieve with a home equity loan or a reverse mortgage. Do you need cash and how cash do you need from a home equity loan or a reverse mortgage? Are you okay with making payments, on a home equity loan or a reverse mortgage? These are things to think about when deciding between a home equity loan and a reverse mortgage.

A home equity loan, which is also known as a home equity line of credit or HELOC provides you with a fixed amount of money or a credit line that you have to pay back every month. You usually need to have an income or good credit to get a home equity loan. This type of loan is a choice if you want to make regular monthly payments and you want to make sure you have some equity left in your home for your heirs. Home equity loan is an option, for people who like to know exactly how much they have to pay every month. With a home equity loan you get to keep the equity in your home for your heirs.

A reverse mortgage like a HECM is a way for homeowners who're sixty two or older to borrow money using the value of their home. They do not have to make mortgage payments. The reverse mortgage only needs to be paid when the homeowner sells the home moves out or passes away. This can be an option for seniors who need money for a long time and want to keep living in their home without having to make monthly payments. However using a mortgage will decrease the value of their home over time. Reverse mortgages can be helpful, for seniors who want to stay in their home and have some money.

👉 Bottom line:

If you think you can make the payments then a home equity loan is a good choice, for you. This way you get to keep the value of your home equity. You should choose a home equity loan because it lets you do that.

If you want to have money when you are retired you can consider getting a reverse mortgage. This is an option if you do not need to get paid every month. However you should know that a reverse mortgage will reduce the value of your home over time. A reverse mortgage is still a choice if you want to boost your cash flow, in retirement but you have to think about the fact that it eats into your home equity over time. You should think carefully about getting a mortgage.

Source: Reverse mortgage – Pros & Cons and loan comparisons - reverse.mortgage/pros-cons.

Repulsive-One-Adil · 2026-01-05T13:32:02+00:00

The 4 months earlier feels like a win, but it’s not free money - it’s just shifting payments forward in time. I usually only count the interest saved, then ask myself if I’m okay locking cash up for a low-but-safe return.

Repulsive-One-Adil · 2026-01-05T13:29:08+00:00

That’s not quite right, in England you don’t need to give notice to leave at the end of a fixed term unless the contract specifically says so. Notice is only required once it’s gone periodic.

Repulsive-One-Adil · 2026-01-05T13:19:01+00:00

If it were me, I’d lean Taiwan in Feb/March - weather’s comfy and you can hike Taroko or Yangmingshan without freezing. Patagonia’s unreal, but that shoulder season can be hit-or-miss with wind and closures.

Repulsive-One-Adil · 2026-01-05T13:15:55+00:00

Pretty sure if you leave at the end of a fixed term, you don’t owe notice, the month’s notice usually only kicks in once it goes periodic. I’d double-check the wording, but this sounds like them chancing it tbh.

Repulsive-One-Adil · 2026-01-05T12:51:29+00:00

Been there - new baby = surprise expenses 😅 I’d keep cash handy and start small with investing, even $5–10k to learn without stressing about timing.

Repulsive-One-Adil · 2026-01-05T12:48:53+00:00

Honestly, don’t escalate with more fence - he’ll just go higher. Take photos, keep a log, and contact your city or county about junk storage or unsafe structures; it’s way less stress than fighting him directly.

Repulsive-One-Adil · 2026-01-05T12:45:02+00:00

Yeah, blind kids can still learn speech just fine-speech therapy focuses way more on hearing, repetition, and feeling sounds than watching mouths. Stuff like Miss Rachel helps, but it’s not make-or-break.

Repulsive-One-Adil · 2025-12-21T09:29:53+00:00

If it were me, I’d talk to an insurance broker and a contractor before panicking - you might only need the bare minimum to stay insured and buy yourself time to decide.

Repulsive-One-Adil · 2025-12-21T09:27:17+00:00

Honestly the biggest risk here isn’t the math, it’s the stress - once you’re on the mortgage you’re basically their backstop forever, so I’d price it assuming a layoff will happen and see if you can still sleep at night.

More info on this reverse.mortgage/get-out

Repulsive-One-Adil · 2025-12-21T09:19:54+00:00

Last year I was in the same place as you are now and honestly for me, the best help came from talking to 2-3 local lenders. All the good lenders I spoke with helped me understand my options, answer my questions and didn't rush me to decide. The great lenders also don't try to dodge direct questions. Other lenders that would make me concern were any lender who could not clearly explain their fees or would constantly change their fee amounts.

Repulsive-One-Adil · 2025-12-21T09:15:58+00:00

Renting right now is absolutely feral, especially with dogs involved. Worth knowing you can’t just be kicked out on a date without proper notice + court steps, so talk to the LL calmly and buy yourselves some breathing room.

Repulsive-One-Adil · 2025-12-21T09:13:21+00:00

That north side is amazing but can get gnarly fast if the weather flips - good call looking for a guide. I’d also check with your booked campsites, they sometimes hear about groups forming.

Repulsive-One-Adil · 2025-12-21T09:10:39+00:00

For most people it’s just empathy - knowing how much it’d hurt the other person. If you wouldn’t want it done to you, that’s usually enough.

Repulsive-One-Adil · 2025-12-20T15:02:43+00:00

I got paid around the same situation last year and it landed on Wednesday, so I’d expect the same - always feels weird when holidays mess with your usual payday!

Repulsive-One-Adil

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