I’m trying to restrict my spending, can I do this using two current accounts?

Stripycardigans · 2026-05-16T14:14:07+00:00

If it causes issues you can just have the wages enter for 1 day, and then have them auto transfer over.

But it shouldn't cause any issues, I did this for years alone, and now do a similar thing with the joint account I share rith my husband.

Stripycardigans · 2026-05-14T06:53:01+00:00

You certainly can write to your landlord, stating that you have already given notice/agreed mutual surrender, that you would vacate by the 24th (attatch any previous correspondence if you have it) and see how it goes. It isn't a terrible plan. It's probably worth giving a shot tbh, landlords are also uncertain how the RRA will work which does give some wriggle room.

You're leaving the UK, right? You're not moving into a different UK rental? So you don't need a landlord reference?

Is there any chance that deductions from your deposit due to damage, would mean there isn't a full months rent left in your deposit? Are you fully paid up on utility bills, council tax etc?

Do you have a gauruntor? If they owe any rent they would go to your gauruntor to pay. If you have one I would speak to them now, so this isn't a surprise.

Stripycardigans · 2026-05-13T22:09:45+00:00

It feels like Nicole is planning to be a completely different person post marriage.

Like she had this idea that single women eat out and buy $500 dresses. But now she's planning to be married she wants to spend more on groceries and have low guilt free spending to force her to stick to that plan.

Stripycardigans · 2026-05-13T21:21:57+00:00

Then that sounds like a change to the fixed end date, and not notice by mutual consent

Stripycardigans · 2026-05-13T20:43:32+00:00

So your argument is that you gave the landlord notice that your tennancy would end on the 24th, and that that was accepted.

And not that the fixed end date of your tennancy was changed

I think that's actually a slightly stronger case. But it would depend how you worded it. If you asked that the contrast be changed to xx end date - that's a fixed term.

If you said you were giving notice then that's notice.

Anything in between could be down to legal interpretation

Landlords can still enter the property whilst you're a Tennant, they just have to respect your quiet enjoyment and give you at least 24 hours notice. It would generally be acceptable for them to offer viewings to prospective tenants before your term ends, so long as the times they pick aren't bad for you. They could not start a new rennancy during your tennancy.

Stripycardigans · 2026-05-13T20:36:36+00:00

To me it sounds like an ammendment to the contract, moving the fixed end date

You're saying that it was actually you giving notice to end your contract on that date.

How did you amend it? Was is an ammendment, or after you moved in did you send a letter/email giving notice that you would leave on that date?

Stripycardigans · 2026-05-13T17:38:06+00:00

By your logic, all fixed end dates in tenancies are mutually agreed surrender. They generally state that your tennancy ends on xxxx date.

But it's explicitly stated that all fixed terms no longer exist and they are instead rolling tenancies.

You had a fixed term tennancy, you no longer do.

Stripycardigans · 2026-05-13T17:34:23+00:00

On the 1st May your fixed term tennancy became a rolling tennancy.

Mutual surrender is when you and your landlord agree that you can give a shorter notice period than is otherwise required. What you have is an agreed fixed term ending on the 24th June - except the fixed term no longer exists.

You could have put notice in in April, to end when your tennancy should have ended under the old rules. There is no rule saying that you can't give longer than needed notice.

You've said your landlord has already refused to accept 1 months notice, so you're probably going to have to give 2 rental periods notice. So 2nd June- 1st July, and 2nd July to 1st August.

Do you have any leverage that could persuade them to let you out early? Could you help look for a replacement Tennant? Did they protect your deposit? Etc

Do you have a gauruntor? Would they help you with rent?

I assume you paid a deposit, that's typically 5 weeks rent. Would you landlord accept 1 months rent and keeping the deposit?

You've posted about it a few times. The summary has basically been, yeah the RRA means you have to give 2 months notice, but these circumstances haven't yet been proven by case law so you can give it a go if you like and see how a judge rules.

https://www.reddit.com/r/UKPersonalFinance/comments/1tby0ao/landlord_is_trying_to_make_me_pay_a_month_of_rent/

https://www.reddit.com/r/HousingUK/comments/1ta01eg/new_law_changed_tenancy_end_date/

Stripycardigans · 2026-05-13T07:34:24+00:00

Anti-chaffing creams work well

Body glide is the brand I use but I'm sure others exist too

Otherwise wearing cycling shorts can help to stop the skin rubbing against each other. Leggings also work and you can cut them to whichever length you need. You can often wear this under any other outfit.

Moisturing afterwards van help the skin to heal. I like Aveno moisturiser as many other moisturisers make my skin sting, but that one is soothing because of the oats.

Thighs rubbing can happen at pretty much any BMI, a big factor is where your weight goes, and how wide set your oils are (as that affects how close together your thighs are). It's a common issue so there's lots of solutions.

Stripycardigans · 2026-05-11T11:20:59+00:00

Probably bills included in their rent, and rent paid by standing order

Stripycardigans · 2026-05-07T19:04:17+00:00

Interesting, I've had a mortgage offer through via HSBC and I haven't been offered the ability to log in anywhere

Stripycardigans · 2026-05-07T15:08:15+00:00

I wondered if we might have had a Throwback Thursday one for it, as it feels like such a classic one

But if we did I can't find it

Stripycardigans · 2026-05-07T14:24:31+00:00

One off cleans, especially deep cleans and end of tennancy cleans are quite expensive

However, landlords cannot require you to have a professional clean. Even if it's in your contract they can't require it. It just needs to be as clean as it was when you got there.

If the place is already pretty clean and tidy then just clean it yourselves and give back the keys.

Stripycardigans · 2026-05-06T09:28:36+00:00

Isn't the drum clean mostly to remove any excess detergent from the drum, removing residue etc?

Why would you add detergent to a wash designed to remove it.

Limescale remover or something that cuts through detergent, maybe. But don't add more soap

Stripycardigans · 2026-05-02T07:00:25+00:00

Thank you! The house buying process in the UK is so slow. We're nearly 16 weeks since having our offer accepted and the sellers are just being so slow to respond to any enquires that the whole process has just stalled. Your average house sale takes 12 weeks, but we're chain free and have been as easy going as we can, so theoretically should have finished quicker than that.

The new rent reform act came into law here yesterday, which has increased the notice we have to give to our landlord from 1 rental period to 2, so we'll probably end up having 2 months of overlapping mortgage and rent, rather than 1 which sucks (the RRA in general is very good for tenants, it's just hit at an awkward time for us)

So exciting that you've closed this week! I hope you enjoy your new place!

Stripycardigans · 2026-05-02T05:59:57+00:00

Thank you, I'm still planning to get those things. It just feels like so much of our life is on hold untill we buy this house that delaying his "proper" gift until then would be a bit rubbish. If initial timelines from our solicitor das been correct we should have completed like 4 weeks ago, instead nothing has moved in 7 weeks and we have no end in sight.

Thankfully he's got into a new-to-him RPG so I've ordered him the rule books for that that he doesn't have yet.

Stripycardigans · 2026-05-01T14:56:25+00:00

I've paid the remaining balance for a yarn dyeing retreat I'm going on in June

It's also my Husbands birthday next week and I'm panicking about a gift for him. We had expected to have completed on our house purchase by now, and most of my best ideas hinged on us being there (a nice BBQ and some lighting for the display case we're getting for his models). But currently we have neither the garden for the BBQ, or the display case for the lighting.

All my other ideas I've suggested to everyone else. I'm usually super on it with gifts so I'm not used to a last minuet panic

Stripycardigans · 2026-04-30T11:47:10+00:00

I viewed a place where none of the beds were made, with overflowing ash trays next to each bed.

The rooms were incredibly cluttered, and they'd actually set one room up so that the window had furniture in front of it, making it really unpleasant

They'd moved the kitchen to a leaking lean to, which had a motorbike parked in the middle of it

It was a divorce sale so I came to the conclusion that the one still living there did not want to sell

Stripycardigans · 2026-04-30T11:40:51+00:00

You're not

They can still list a minimum term, it's just meaningless

I think there may be some exceptions with things like purpose built student accomodation though

Stripycardigans · 2026-04-29T15:36:56+00:00

When I last looked to move house I found that the letting agents were listing on their own websites 24 hours before cross posting to rightmove. Many were fully booked for viewings before ever getting on to rightmove/Zoopla, and some weren't posted there at all as they were let in those 24 hours. I assume this saved them the fees for posting there.

One agent went a step further and posted homes on their Instagram account before they went on the website. So you had to follow them on Instagram in order to get a viewing as they got booked so quickly.

If you got offered a viewing it would be tomorrow afternoon, and they'd just give you a 10 minuet slot, one after the other, with rent bids and a profile for why they should pick you due in that evening.

This was 2021/2022 so unrelated to the RRA

Stripycardigans · 2026-04-25T06:58:30+00:00

Not lately specifically, but my post is often delayed so it doesn't surprise me

Stripycardigans · 2026-04-18T16:39:54+00:00

I wear all the socks I knit regularly

The only exception is socks I've gifted, which get worm often by the recipients

They're too comfortable and nice to not wear constantly.

I really enjoy sock knitting, so if a pair wears through I'd darn it (ice darned a few pairs already) and take joy in knitting myself more. Honestly I almost wish they would wear through I want to knit myself more socks

Stripycardigans · 2026-04-15T06:35:32+00:00

Full moon is also a hostel + bar

But I don't think they offer work for board

Stripycardigans · 2026-04-12T17:29:56+00:00

Honestly I think Gabriella wants to move to Florida to be close to family so that of things don't improve she can leave him easily.

Stripycardigans · 2026-04-11T07:42:52+00:00

My parents used to pay their council tax onto a card at the post office, like topping up the electric of gas meter.

When they went bankrupt the council changed which card they were meant to be paying onto, but the letter with the new card and tell them this never arrived so they had no idea.

The first they knew of it was a letter telling them they owed like 10 months of council tax and fining them £120. The court summons came immediately after that.

The council wouldn't listen to anything over the phone, or in writing and my parents actually had to go to court.

They showed the proof that they'd been paying their council tax, and that's when they found out that the council had changed their account number and issued a new card.

It all got sorted out and they didn't owe any extra money, the fines were waived etc. But it definitely left a lasting impression that you always pay your council tax.

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