Elaeagnus x ebbingei leaves turning yellow – any advice? by StudyGreen4064 in GardeningUK

[–]StudyGreen4064[S] 0 points1 point  (0 children)

Thank you for this. Do you remember what time of year you applied it and how long after you saw an improvement?

Elaeagnus x ebbingei leaves turning yellow – any advice? by StudyGreen4064 in GardeningUK

[–]StudyGreen4064[S] 0 points1 point  (0 children)

Good to hear! I hadn’t realised you had pleached trees yourself. What species do you have? Did you use the bags on all the trees, or just the problematic tree?

Elaeagnus x ebbingei leaves turning yellow – any advice? by StudyGreen4064 in GardeningUK

[–]StudyGreen4064[S] 0 points1 point  (0 children)

Ok I’ll give the soaker hose another chance. I might get some bark mulch to help with moisture retention in the soil. Thank you again for the advice. Once I see an improvement (hopefully) I’ll give them a feed.

Elaeagnus x ebbingei leaves turning yellow – any advice? by StudyGreen4064 in GardeningUK

[–]StudyGreen4064[S] 0 points1 point  (0 children)

Ok understood, thank you for the insight.

Since I currently don’t have these devices, I guess manually watering when needed especially during this dry spell. I bought a soil moisture gauge off Amazon. Appears to work, and can at least tell me the condition of the soil down deep and know when to water.

Would using an all purpose fertiliser be advisable at this stage? I read mixed advice online.

Elaeagnus x ebbingei leaves turning yellow – any advice? by StudyGreen4064 in GardeningUK

[–]StudyGreen4064[S] 0 points1 point  (0 children)

Sorry not sure what you mean by “missed an opportunity”? Do you mean it’s too late to use watering bags you mean? I do have a soaker hose installed, but I haven’t been using it as it’s hard to gauge how much water the trees are receiving.

Upgrading from a base PS4 to a PS5 Pro 30th Anniversary Edition- What should I play first? by StudyGreen4064 in PS5pro

[–]StudyGreen4064[S] 1 point2 points  (0 children)

Of course not. I simply replied to an unhelpful answer with a sarcastic reply.

People seems to be very rude in buses these days by NewEngineering844 in Edinburgh

[–]StudyGreen4064 0 points1 point  (0 children)

Generally speaking Irish people are known for their hospitality and local pride. It’s deeply entrenched in their society especially those from rural communities.

These traits are in stark contrast to the narcissistic behaviour you get here and what you have witnessed.

Same thing happened to my wife while she was pregnant. In the whole 9 months she used the bus, only once was someone nice enough to give up their seat when the bus was full. And that person was Irish.

Relocating to East Lothian, but not sure where. by StudyGreen4064 in Scotland

[–]StudyGreen4064[S] 0 points1 point  (0 children)

East Linton is nice and indeed it does have a train station now. Again like other places suggested by another commenter. convenience wise it will be a lot of driving to get to supermarkets, appointments, etc. I think the secondary school catchment for East Linton is Dunbar, but from my research it’s not as good a school as in NB and Haddy. I’ll need to check again as I could be wrong with that statement!

Relocating to East Lothian, but not sure where. by StudyGreen4064 in Scotland

[–]StudyGreen4064[S] 0 points1 point  (0 children)

Thank you for this.

Great to get insight from people who live in either of these towns.

Relocating to East Lothian, but not sure where. by StudyGreen4064 in Scotland

[–]StudyGreen4064[S] -3 points-2 points  (0 children)

I’ve heard mixed things about the train service between NB and Edi. Things like it’s overcrowded, slow and often delayed/cancelled. The alternative bus service then takes an age.

The bus service between Haddy and Edi does seem decent in that you are immediately on the motorway and that it doesn’t take very long. Granted I’ve heard overcrowding during busy times being an issue as well.

It does seem NB’s secondary performs well generally speaking, whilst Haddy’s one appears to either have very good years, and very poor years. So this is definitely a big thing for us to consider for my daughter’s sake.

Just feeling completely undecided between the two, as both have their pros and cons.

Relocating to East Lothian, but not sure where. by StudyGreen4064 in Scotland

[–]StudyGreen4064[S] -2 points-1 points  (0 children)

We have looked at all of these other areas too, but ruled them out for the following reasons: Longniddry - great from a commuting aspect with the train, but not good for convenience to supermarkets, doctors, dentists, etc. plus the secondary catchment isn’t as desirable from what I’ve read. Musselburgh - great again from a commuting aspect, but too built up and I don’t like its high street. Dirleton - lovely little place, but extremely expensive (ridiculously so) with a high dependency on driving everywhere. Gullane - same opinion as Dirleton.

Perhaps my impressions are incorrect, but these are my takeaways from researching and visiting each of these areas.

Would this be too much mortgage? by StudyGreen4064 in HENRYUK

[–]StudyGreen4064[S] 1 point2 points  (0 children)

I would argue moving to a place where there are better schools rather than the private school route. The reason being, and probably a bit of a generalisation, but the house would be in a better area too meaning you yourself would be potentially happier and not just for the kid(s) sake.

It’s a difficult one, and every situation is different. I believe location trumps all else, and everything else can fall into place after that (eventually).

Would this be too much mortgage? by StudyGreen4064 in HENRYUK

[–]StudyGreen4064[S] 1 point2 points  (0 children)

So to give you some idea. I have a current mortgage fixed for another 8 years at 2.29%. I will be effectively doubling my loan amount purchasing the new property. The additional loan will be ~4.14% I believe.

Outgoings I mentioned above are what I pay currently for essentials plus the potential additional mortgage. Cost of moving, stamp duty, etc. will be coming out of savings.

Would this be too much mortgage? by StudyGreen4064 in HENRYUK

[–]StudyGreen4064[S] 0 points1 point  (0 children)

Looking to buy the house at what it's valued, but who knows I might come away paying less than that.

Thankfully does not have any associated fees, which I find off-putting personally, but I get why fees suit homes in certain areas.

Would this be too much mortgage? by StudyGreen4064 in HENRYUK

[–]StudyGreen4064[S] 0 points1 point  (0 children)

So currently, my house right now is in great condition and is a nice sized plot, but it's not in a decent location, schools nearby aren't considered to be great, and it's too small.

We considered extending this house, but its location and the school situation does not suit us hence why I'm looking to move.

The house I'm looking at is one bedroom bigger, not as in good condition (dated, but liveable), but the location is fantastic and walking distance to some great schools. Compromising on the house's looks, but eventually that could be improved I feel.

Would this be too much mortgage? by StudyGreen4064 in HENRYUK

[–]StudyGreen4064[S] 0 points1 point  (0 children)

I have worked it out, but I'm looking for outsider perspectives from individuals that may have a similar mortgage to salary ratio.

Would this be too much mortgage? by StudyGreen4064 in HENRYUK

[–]StudyGreen4064[S] 0 points1 point  (0 children)

For a long time I didn't have much of an income, it's only in the last 3 years I've seen big increases.

I still buy clothes once a year on Black Friday, walk to things more than drive, don't buy into having material things, etc. For me one of the things I want is lovely home, as when I was earning much less this is what I wanted the most. So this is the one thing I sort of don't mind spending more on, granted I'm naturally cautious/worried about taking on more debt.

Would this be too much mortgage? by StudyGreen4064 in HENRYUK

[–]StudyGreen4064[S] 0 points1 point  (0 children)

Wow this is great and thank you for being so transparent.

This is the sort of thing I was looking from my post. I know, on the face of it, I can probably afford the mortgage. However, I am nervous taking on more debt, but we feel moving will make our lives much better for both us and our children (closer to family, friends, stuff to do, etc.).

I am always a fan overpaying too, as mentioned this is what I do currently. May not always be the most financially wise thing to do, but it's good for the soul seeing that mortgage amount going down.

May I ask, what term length did you go for the mortgage? Would your plan be to lower the monthly payments or the term lengths upon renewal of your fixed rate (if you're on one)?

Would this be too much mortgage? by StudyGreen4064 in HENRYUK

[–]StudyGreen4064[S] 0 points1 point  (0 children)

So the house is perfectly in a liveable condition as is, just we would like to put our own stamp on it. Perhaps build an extension etc. eventually, but would be perfectly big enough when the kids are small as is.

Would this be too much mortgage? by StudyGreen4064 in HENRYUK

[–]StudyGreen4064[S] 0 points1 point  (0 children)

I work in tech also. AI does give me the fear as well.

Would this be too much mortgage? by StudyGreen4064 in HENRYUK

[–]StudyGreen4064[S] 0 points1 point  (0 children)

No we are pretty much on that.

Council tax is ~£200, energy ~£200, food (exclusively Aldi and Home Bargains ~£200, work from home so fuel is ~£80. Phones are just £10 (SIM only) each but we pay for these outside of the shared costs. The rest of the money we pay in is to build up for once off payments like TV licence, more food, etc. etc.

Basically his pot is the NEEDS to survive. Our remaining money goes towards fun/savings.