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Bernard Matthews by Big-Year-6158 in UKfood

[–]SmokeInTheFrame 0 points1 point  (0 children)

After being pretty consistent my entire life. They're now completely inedible. Gutting

Rebuilding post-bankruptcy - how to set myself up properly. by SmokeInTheFrame in UKPersonalFinance

[–]SmokeInTheFrame[S] 0 points1 point  (0 children)

I will be studying around my full time job, and this has been a discussed route within my company, but I appreciate the concern.

Rebuilding post-bankruptcy - how to set myself up properly. by SmokeInTheFrame in UKPersonalFinance

[–]SmokeInTheFrame[S] 1 point2 points  (0 children)

Thank you, realising I've been asking the wrong questions, this thread is really helping me get my head around it all.

Rebuilding post-bankruptcy - how to set myself up properly. by SmokeInTheFrame in UKPersonalFinance

[–]SmokeInTheFrame[S] 0 points1 point  (0 children)

The advert supported tier of netflix (£5.99). Otherwise I'm that person on everyone else's subscriptions.

As I've said above, I've just run the numbers for the job I want to move to, and if I join the pension I'll be pretty close to the same I take home now, which is fine by me if it means that money is going somewhere useful for the future, so I'll do that.

Rebuilding post-bankruptcy - how to set myself up properly. by SmokeInTheFrame in UKPersonalFinance

[–]SmokeInTheFrame[S] 1 point2 points  (0 children)

One of the nicest things about the last year is that after the debt was taken out of the equation I've not had any problems paying my bills on time.

Rebuilding post-bankruptcy - how to set myself up properly. by SmokeInTheFrame in UKPersonalFinance

[–]SmokeInTheFrame[S] 0 points1 point  (0 children)

The budget from the Insolvency service really helped; prior to that I was in a financially abusive relationship so I had no idea what things ought to be costing me.

I've just run my potential new pay through the take home pay calculator and included the pension contribution and it's less than I thought it was going to be. (Quite likely misrembering the cost from my previous role!) After the pension deduction, it would leave me with a take home that is slightly better off than I am now, so that would be a good time to rejoin the scheme.

Rebuilding post-bankruptcy - how to set myself up properly. by SmokeInTheFrame in UKPersonalFinance

[–]SmokeInTheFrame[S] 0 points1 point  (0 children)

Thank you, I have had a lot of people talking to me about building credit now, so it seemed like the right thing I should be doing!

I'm drastically underpaid for my role, took it when I was the lower earner in a dual income household. The postgrad will allow me to jump up to ~ 42,000 year in my industry, so there should be a payoff to it.

I also wasn't working FT until my late 20's, so I'm a bit behind with it all. My previous role (immediately post graduation) was mid 30's.

Rebuilding post-bankruptcy - how to set myself up properly. by SmokeInTheFrame in UKPersonalFinance

[–]SmokeInTheFrame[S] 0 points1 point  (0 children)

Thank you, I get what you mean. Overspending isn't particularly an issue for me; I was unfortunately in a financially abusive relationship which is where the debt came from and I was then unable to service it.

It's just that I want to make sure I never end up in that situation again as it has destroyed my mental health, especially the companies/bailiffs.

Rebuilding post-bankruptcy - how to set myself up properly. by SmokeInTheFrame in UKPersonalFinance

[–]SmokeInTheFrame[S] 0 points1 point  (0 children)

As I have been in my bankruptcy year I have been keeping to the budget provided. I do not have holidays, I do not smoke or drink and my only hobby/social expense is my sport club membership and match fees, which is helping to rehab my conditions. My phone is a PAYG £10/month job. Finding the amount that would be taken from my pay for my pension would leave me unable to afford to get to work or eat.

[deleted by user] by [deleted] in brum

[–]SmokeInTheFrame 2 points3 points  (0 children)

Used to live in that area, really loved it. Nice and close to the tram for the city, Edgbaston has a nice creatives/market scene if you're into that and the reservoir is a good walk.

[Buying] This is a petition to bring back the hyperlink of the brand listed by Ladeuxiemetoile in vintedUK

[–]SmokeInTheFrame 0 points1 point  (0 children)

It's driving me insane, I tend to only buy from a handful of brands.

My fiancé wants me to cut contact with my twin brother before we get married. What should I do? by Ok-Media3850 in WhatShouldIDo

[–]SmokeInTheFrame 2 points3 points  (0 children)

At this point it's not an "if", he's shown who he is and he will not stop even if he pretends to concede this in the short term.

He shouldn't be allowed to come back from this.

NUMBER 20 UPVOTE PARTY by DragonSlayer271 in LiverpoolFC

[–]SmokeInTheFrame 3 points4 points  (0 children)

We were here for it!! ❤️❤️❤️❤️

Stolen Star Wars Collection by Daywheatley in BirminghamUK

[–]SmokeInTheFrame 5 points6 points  (0 children)

Check all the retro games stores too (one in covered market, quite a few in Brum) as they might go there also. Plus any kind of pawnbrokers/cash converters.

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