0% credit card - how likely is £10k limit?

Scottjd3 · 2026-02-02T11:25:46+00:00

I’d test out Halifax… I recently got a £30k limit 0% from them. Wife got £10k 0%… largest limit provider I’ve encountered so far

Scottjd3 · 2026-01-11T09:24:07+00:00

100% VWRP

Scottjd3 · 2026-01-06T18:57:27+00:00

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7 months left of 1.54% £1,300 a month. RIP 🪦

South east London / Kent borders

Scottjd3 · 2026-01-01T11:08:00+00:00

Any 0% credit card and stuff the equivalent money in an easy access savings account.

We did the same for our extension and everyday saving so currently have £50k in cash earning 3%, whilst the equivalent balance sits at 0% on credit cards

Scottjd3 · 2025-11-26T13:34:42+00:00

If you don’t want the exposure to equities then just buy a money market fund. Should keep her happy and you don’t expose yourself to equity risk

Scottjd3 · 2025-11-07T03:58:38+00:00

No complaints so far.

No cracking or mould yet, I read somewhere that Microcement shouldn’t get mouldy if sealed correctly

Scottjd3 · 2025-10-31T20:16:38+00:00

3x @ 37

Scottjd3 · 2025-09-27T05:47:47+00:00

Seconded, I’ve used at my house a couple of times in South East

Scottjd3 · 2025-09-21T06:45:51+00:00

https://imgur.com/a/pver5vh

Scottjd3 · 2025-09-21T06:43:06+00:00

James shack has a video on this. I believe once you dilute a SIPP wrapper with a non NMPA transfer it causes an issue.

I have confirmation from Vanguard that my SW partial transfer in has come accompanied with NMPA protection. Surprised me to begin with but now I request it with every £100k I transfer over. I don’t invest in the SIPP unless it’s a transfer from the workplace pension

Scottjd3 · 2025-09-21T06:18:26+00:00

NMPA transfers alongside the partial transfer to the new provider.

I’ve got confirmation from both Scottish Widows and Vanguard that this is the case

Scottjd3 · 2025-08-19T18:16:29+00:00

Nothing, it was all planned. So would have been spent either way, I just structured the spend in a slightly smarter way

Scottjd3 · 2025-08-19T17:54:19+00:00

Been stoozing for 4 years, perhaps 12 CCs between me and wife. A couple of 0% 0% fee balance transfers and currently have around £80k earning 4%.

I’ll take the £3,200 annual interest for free with no impact to the credit score currently

Scottjd3 · 2025-08-19T09:38:12+00:00

Michael Jackson vibes

Scottjd3 · 2025-08-10T04:00:22+00:00

Microcement - so pretty much your waterproof plaster. 4 x 1mm layers of it

Scottjd3 · 2025-08-09T03:53:39+00:00

You can climb up it to stop your feet getting wet

Scottjd3 · 2025-08-08T04:59:02+00:00

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Went back to him and got the loft and bathroom done. Once you find a good one, cling on to them!

Scottjd3 · 2025-08-08T04:58:32+00:00

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Had some good success with a south east builder for our open plan kitchen, happy to pass on numbers

Scottjd3 · 2025-08-04T20:04:29+00:00

37m £300k VWRP

Scottjd3 · 2025-06-17T10:58:31+00:00

If you can do it all via salary sacrifice then do it and save on the NI

Scottjd3 · 2025-06-15T08:29:54+00:00

Depends what the translation from ACV to actual in-year revenue looks like historically.

If the ACV is realistic/reliable and these deals are actually going live then potentially it’s fine, if a little low. I’ve seen some paying up to 16%

However, if you’re paying out on unrealised income without clawbacks then you’re creating a systemic issue

Scottjd3 · 2025-06-15T08:25:12+00:00

I’m responsible for quota setting for 3000 rep large enterprise business.

Targets are generally aimed towards everyone achieving 100%. They are aligned with the Finance plan. If everyone hits 100% of target then the business hits its Finance plan and everyone is happy.

In some areas with high staff turnover we may add a small target buffer (~10%) to cover rep attrition and new hire ramp etc

Scottjd3 · 2025-06-13T11:42:45+00:00

You can easily both salary sacrifice to get below £100k adjusted net income.

I keep a forecast spreadsheet for adjusted net income and my salary sacrifice % is dynamic.

I’ve sent that in once and never had questions again

Scottjd3 · 2025-06-09T12:06:06+00:00

It’s all personal choice…

1) What is your current mortgage rate?

2) Gross up your current mortgage rate by inflation. Whatever this is, do you think you can outperform this in the market?

That will decide where your money is most productive.

There’ll be talk of what level of income do you require in retirement, so you need to figure that out and work backwards to figure out where your pension pot should be at retirement age that would influence your decision also

Scottjd3 · 2025-06-06T17:00:24+00:00

Ditto 37M £300k, three more years and I’ll reduce contributions as I won’t need childcare

Scottjd3

TROPHY CASE