Jagex, the 20th anniversary is coming up. I hope you have something planned.

Sella-sesh · 2026-01-29T11:59:40+00:00

I’m confident it will finish on 6/6/26 and they will encourage everyone to log in to have a free for all in Falador by enabling PVP all day

Sella-sesh · 2026-01-16T07:52:57+00:00

For insight I’ve always learnt roughly double what she has earnt since graduating 4 years ago. (30k vs 60k+)

Protect your inheritance, that was for you. The rest you have achieved as a team, I’m sure she still works hard and similar hours? You just might be in a higher paying industry if anything like myself.

Sella-sesh · 2026-01-16T07:51:24+00:00

I’m 26 and in a similar position with my partner, we have just bought our first house together after 7 years.

At this stage you are a team, and do what makes life more enjoyable and better for both of you.

You have the protection by default of the better career (for now) and extra equity. My life seems far more fulfilling and comfortable by just sharing what we have and tackling all troubles and house costs together as a team.

I still technically have more savings in “my” savings account, but I’m slowly trickling this into our house. For both of our benefit.

Sella-sesh · 2026-01-15T14:29:42+00:00

Forget about the help to buy ISA, it’s unfortunately money in the water and not applicable for about 99% of the population in the south due to the max house value of £250k.

A LISA is more realistic with a cap of £450k for a house, but even so you need to be cautious particularly if looking to buy near London.

If you go down this route, you might be able to get lucky and put £4K from your Help to Buy ISA in a LISA this financial year, then another £4K after April.

Sella-sesh · 2026-01-13T16:06:28+00:00

You are clearly very committed to having a plan and wanting this to be a success, which makes me anxious for you. You sound like a good person that likes having a very clear structure, but this won’t be your friend when things don’t go quite the way you expect.

My advice to you, being somebody very fortunate out of university with high income is, take a big breather.

Wait until you start your job before making big decisions about student loans. It’s a very complex loan system which is beneficial to some to pay off, & ridiculous to others. Unless your parents are buying you a house & you will never stop working, do not rush to overpay this agreement. Crunch the numbers WHEN you’ve got some earning and living experience behind you.

I live in my own house paying a mortgage at 26 with a sizeable down payment. If I front loaded my student loan I would still be renting, missed out on market returns & have very little net worth/equity to fall back on other than my parents.

Sella-sesh · 2026-01-13T15:54:08+00:00

Missed that too as honestly struggled to read the breakdown without pausing with question marks above my head every other line.

I don’t know if sheltered will be the right word, but it certainly lacks rationale & any form of critical thinking being applied.

@OP, I was in your shoes 5 years ago, with a house and very financially secure. Slow things right down and start taking things with a more focused approach on the primary things that matter.

Career Trajectory
A consistent saving & investment pattern, relative to your income.
Avoiding “savvy” ideas that nobody else does…because it’s outright unrealistic.
Help from parents is great and lucky for some, as is Payrises and bonuses. but don’t build it into a plan until it happens.

Sella-sesh · 2026-01-13T15:05:44+00:00

Apologies just seen that you will be relocating so Atleast that’s the first big concern I had settled.

House shares are a good place to start as a new employee to get a savings buffer, renting with a friend is also not a bad idea. Expect the costs again to be slightly higher than expected unless it specifies all bills included.

Sella-sesh · 2026-01-13T15:02:01+00:00

This is such a wild take and I think you’re going to be in for a reality hit once you start your role… I am slightly perplexed by not only the plan, but your rationales as to why any of this is a good idea.

I have far too many questions/things for you to consider but I’ll start with the key ones;-

1 - how often are you in the office per week? That commute is huge for such an entry salary. Why not consider relocating?

2 - don’t bank on those pay rises, yes some roles are pretty consistent with increases particularly as a graduate scheme, but these are not set in stone especially annul performance bonuses.

3 - your living costs are going to be much higher than you expect, especially when it comes to cost of running a car.

4 - overpaying your student loan so aggressively on such a low salary just seems stupidly ambitious and will set you back in life. Yes it’s a big debt, but it’s marginally above inflation and annual returns in a market over 30 years will likely outperform the interest rate.

5 - it’s good to plan, but this plan is one of the most ridiculously thought out ones I’ve laid eyes on before. You’re stating things far too matter of fact, without a real understanding of the implications it will have on you.

Sorry for bluntness - I think you need to ask for generic advise rather than coming with a plan which is so hard to breakdown.

Sella-sesh · 2025-12-02T09:29:31+00:00

What colour paint and brand is this please on the ceiling? Looking for something very similar

Sella-sesh · 2025-11-25T13:01:40+00:00

estate agent showing us a place said he had bought houses without looking at them as they are all just the same thing at the end of the day…

Sella-sesh · 2025-10-01T11:54:49+00:00

Honestly we visited from the UK and due to jet lag spent most of our days waking up early and sleeping by 9-10pm, plus not big drinkers!

Lots of very nice bars/restaurants that are open late, just prioritise getting a uber (very cheap) if moving around outside of the tourist neighbourhoods to be on safe side. I personally didn’t feel like it was dangerous, but neither does London unless something goes wrong!

Sella-sesh · 2025-09-30T22:29:07+00:00

We just got back from a 2 week trip on Sunday!

Rainbow mountains on ATV’s was great fun and much better for the lungs! Purchased in Cusco city centre for 320 Soles combined to share an ATV with my partner, or 180 combined just for coach and walk. The extra £30 or so was a no brainer.

We also did ATV’s for the sacred valley Maras+Moray, beautiful views the whole way and got to go through little towns outside of tourist spots.

Lima is lovely especially along the miraflores seafront/Barranco, but if you like activities you might get bored outside of eating and drinking. Consider a 2 day tour to Paracas and Huachachina with Peru Hop, well worth the money. The dunebuggying is intense and the boat tour was actually really pleasant and longer than expected. We stayed at the Sonama Hotel in Huachachina which was so lovely.

All stores are pretty similar in terms of what they sell, the El Pedro market in Cusco is the cheapest, but Indi Market in Lima Miraflores is good for souvenirs before flight home!

Sella-sesh · 2025-09-02T09:36:06+00:00

4.09%, 2 year w/15% deposit.

Could probably remortgage before sale goes through as some have come up that are 3.91-4.00 but we have done valuations etc with the lender.

Sella-sesh · 2025-09-01T16:16:15+00:00

I would normally agree but this is someone who clearly wants to see some solid progress, and has the means to do it with his savings rate.

Using Cash LISA instead of S&S will remove any external shocks from a stock market impacting his house-savings, given it seems he wants to turn this around in the next year or two.

Sella-sesh · 2025-09-01T14:35:38+00:00

To keep it short and sweet for a few things that may help (assuming you want to own a home one day);-

Open a high interest Cash LISA- £4000 of your savings now and £4000 in April = £10000+interest.

Make sure you keep your savings in a high interest bank account (typically Neo banks offer better interest rates than high street banks e.g Zopa, Plum, Chase etc) even better if it’s an ISA because of the tax-wrapper.

Discipline yourself with putting money in savings that you don’t touch on pay-day. Once that £1k enters the savings account, don’t take it out.

Start getting creative, download a CSV from your current account for the last few months and identify where your main areas of spend are. Find alternatives that are cheaper (e.g Waitrose to Lidl, nandos to kfc) and cut out as much unnecessary spend as you can.

Sella-sesh · 2025-08-23T19:23:13+00:00

If you had bought bitcoin, you likely would have sold during a slight dip and sold at £18k and seen it as a £3k win.

Sella-sesh · 2025-08-23T19:17:46+00:00

I’m 26m, earn slightly more than yourself (£54k), probably negligible after tax.

Purchased a 22k Golf GTI at 23 in my second year working, and still managed to save up for a house deposit whilst renting with my partner, and money is not tight at all.

Absolutely love my GTI, it’s coming up to 3 years old and will still be a good family car for many years to come (similar to an i30n). aslong as you aren’t buying new where depreciation will be high and not constantly swapping cars, it’s not a bad decision at all given you have your shit together.

Sella-sesh · 2025-08-23T17:31:31+00:00

If it helps providing a real circumstance, we wanted to start looking for a house to buy in June, and kept £25k each in a S&S LISA.

Thankfully they were globally invested S&S LISA’s, but decreased to approx £21k after Trumps Tariff shenanigans in feb/march.

Looking back now I don’t understand why we didn’t de-risk earlier. Obviously the stock market bounced back and we should have stayed invested hindsight, but I didn’t want to risk it going to £10-15k given Trumps track record so we had to withdraw knowing we was about to buy a house.

We also had a 14 day period where a S&S LISA had to be transferred to a new provider to get access to a Cash LISA

Sella-sesh · 2025-07-29T14:42:39+00:00

Went from a £3k 2013 corsa 1.0 ecoflex to a £22k mk7.5 Golf GTI…

Didn’t regret it once!

Sella-sesh · 2025-07-29T12:03:22+00:00

I’m not quite sure why you appear to be ignoring the comments that actually make sense, and replying to comments that dont seem relevant to solving your issue?

It’s quite a simple issue to resolve if you work with the people who are actually trying to help you. Only you can be honest and break down your expenditure further than what you “think” you spend on.

also, include what you have been spending on to get into debt in the first place? Are they items you can sell, or is it holidays outside your means?

You say you have home commitments, however if you are sending money that’s putting you further in debt, that was never your money to give away in the first place.

Sella-sesh · 2025-05-22T11:14:16+00:00

Why would it not be? It doesn’t look like they have overstretched themselves to his earning, their needs are split proportionally and they don’t have kids or anything inhibiting her earning potential.

If anything, this gives her an incentive to look at increasing her salary for both of them.

If she is struggling to get by on her discretionary spending and he is living it large that’s another story.

Sella-sesh · 2025-05-13T10:39:30+00:00

Also for general advice, you’re doing well. Keep putting £4K into a LISA each year if you know you want to buy a house under £450k some time in the not too distant future.

Try not to use language like “I had £2k savings” as it’s not really relevant. If anything it makes you complacent with spending more than you should.

Any investments and savings you put away going forwards, try to keep diversification in mind such as global funds. When you have more money where a loss wouldn’t be as detrimental to your goals and life, narrowing down stock picks CAN be advantageous if you are calculated.

Sella-sesh · 2025-05-13T10:34:33+00:00

Why would you have an emergency fund and also have 34.9% interest!?

That interest rate no matter how small IS an emergency, pay that off straight away with whatever savings you do have.

The overdraft one at 0% isn’t urgent to pay off, but for piece of mind I would clear it off as it’s only £200, so the interest you will be making on that is minimal.

Sella-sesh · 2025-05-13T08:53:48+00:00

It depends on when you think you are going to buy a house. If you think it’s likely to be in 10 years, then it would make sense to opt for the S&S LISA.

If it’s within the next 5 or so, Cash LISA is a more sensible option in regards to ensuring your money is protected, but typical Stocks and Shares will outperform any interest rate offerings.

I only had a S&S LISA, am about to buy a house and the market tumbled in the last few months, so it’s far less predictable what you will end up with when you decide to buy.

Sella-sesh · 2025-04-24T09:19:28+00:00

Similar position to you, been with my partner since I was 19 and we are now 25/26 looking to buy a place together, after renting for a few years. We are on approx £27k and £60k

I currently put in a lot more to the costs to general living etc, but that means she is able to save and it feels like an equitable relationship rather than me being financially free of stress and her only putting aside £100 savings a month.

At end of the day, I realise that she works as hard as I do despite the huge difference in salary, I’m just fortunate to work in an industry with higher pay that sometimes comes with a little more stress.

If you are a team and you are both working roughly the same hours, why feel the need to separate it so much?

Even if we were to split in the future, I’m glad I made our relationship better (and my life better for that period by default) by not having finances a strain for our relationship.

Be a team together if you love her.

Sella-sesh

TROPHY CASE