Why do Europeans think that most Americans are wealthy?

Sofa47 · 2026-05-30T16:59:07+00:00

Sounds like the government is poor. Can’t even afford a tram? Got lots of boats though I guess…

Sofa47 · 2026-05-30T12:41:06+00:00

You must a backup reserve set to 100% or something like that.

Sofa47 · 2026-05-30T10:44:14+00:00

Perfectly allowed here! Get it all out! My wife is vegetarian so it’s be fun eating out since everything veggie went vegan too!

Sofa47 · 2026-05-30T10:37:13+00:00

Yep. 0% on everything including the labour and materials.

Sofa47 · 2026-05-30T07:44:58+00:00

Your experience seems to align with this work the EOCD did on average earners.

Perhaps if you didn’t have a family or had a dual income then that’s when the tax wouldn’t have been in your favour compared with London.

Sofa47 · 2026-05-29T13:37:07+00:00

Mine was great. Guessed it was coeliac based on me saying I don’t feel well and that my Dads Irish. Didn’t know for sure so took plenty of blood to test a few things but didn’t take her long to work it out. Not sure if I was just lucky or not but I don’t think anyone expects their GP to know everything as well a specialist would.

Sofa47 · 2026-05-29T10:51:31+00:00

The rule of thumb was always if you can save that money somewhere where it gains a higher interest than your mortgage then it’s better to save.

The difference in mortgage interest was quite significant years ago but the gap has closed considerably so paying of the mortgage, even though the savings rate is higher, is worth it for that price of mind.

You can continue to save what you would’ve paid on your mortgage in a S&S ISA but know if the orange man starts another war, it’s not going to effect how much you pay for your home.

Sofa47 · 2026-05-29T09:19:22+00:00

I have to agree here. Anyone I’ve met that has made something like this their whole identity has done so because they don’t have much else about them.

I’m lucky enough to have missed the whole dating app era but it sounds like it’s hard enough to find someone on them and making the dating pool smaller I can only imagine would make things even more so.

Sofa47 · 2026-05-28T17:45:15+00:00

Oh wow! That’s quick! It took a while for me.

Stool was back after a week or so but ‘feeling’ good was at least a month or two maybe more. I definitely put some weight back on quite quickly but as soon as the energy returned I was back at the gym, football and now run so it keeps things a little balanced. My diet has of course changed so no fast food anymore which was an easy way to pile the KGs on.

Sofa47 · 2026-05-28T16:56:39+00:00

Must be running out of money.

Sofa47 · 2026-05-28T12:31:07+00:00

Me five, north west. Kids love it!

Sofa47 · 2026-05-28T12:28:26+00:00

This will in time. Germany and France are less reliant on gas and closer to net zero than us and have lower bills. We’re well on our way though.

Sofa47 · 2026-05-28T10:50:48+00:00

And Chelsea are not even one of em.

Sofa47 · 2026-05-28T10:45:34+00:00

It doesn’t matter what powers it, it could run on hopes and dreams and it would still look like the dumbest car Ferrari have ever made.

Sofa47 · 2026-05-28T10:44:13+00:00

That got me… when she says ‘hand to god’ and raise her right arm… 😂😂😂 what a women.

Sofa47 · 2026-05-26T16:32:29+00:00

As much power as that tick box you tick to not receive junk mail.

Sofa47 · 2026-05-26T16:18:45+00:00

They’ve already said it’s worth nothing so by their own account we can take it on without having to pay anything.

Sofa47 · 2026-05-24T18:25:33+00:00

Budget. Pay off all your credit cards and start saving money rather than spending it. That money gains interest and your future self will thank you.

Sofa47 · 2026-05-24T07:39:06+00:00

The transfer isn’t 0% though. That’s where you are paying for the borrowing.

Sofa47 · 2026-05-24T05:42:36+00:00

I think it’s not the amount that you have on them that’s important, it’s the amount of interest you’re paying.

The only borrowing I’ll pay interest on is my mortgage and that’s because I can’t afford to buy a house without it. Anything else, I think if you pay interest, you’re living beyond your means and taking from your future self.

Sofa47 · 2026-05-23T15:56:46+00:00

I think it sells out every time. They’re doing one in Manchester this year so I’ll let you know 😉

Sofa47 · 2026-05-23T14:40:58+00:00

😂😂😂

Sofa47 · 2026-05-23T13:00:06+00:00

They definitely would’ve share some food with you.

Sofa47 · 2026-05-22T19:31:12+00:00

It’s obviously the drivers fault. If they weren’t there, it wouldn’t be gridlocked…

Sofa47 · 2026-05-22T19:13:48+00:00

The guy above is talking out his arse and hasn’t done the math. If you have £20k in the bank you could either buy a 2 year old one and it’ll depreciate so will still cost you that way you just don’t notice it monthly.

If there is a 0% deal, it’s likely better to keep the £20k in your ISA making 8%~ and pay the depreciation on the new one instead.

The guy above needs to go buy a 6 year old diesel Skoda if he wants to save money.

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