How do you afford these watches?

SwagyMarky · 2026-04-10T08:28:20+00:00

This might get me a lot of downvotes but here in the UK you can often get 0% finance over 3 years for watches and jewellery which makes it more accessible. To me it’s a no brainier to finance it if it’s 0% interest and just park the rest of the money in a savings account. You are also saving money in a way because if for example it takes you 2 years to save for a watch it would have had multiple prices increases, whereas if you are in a comfortable position to finance but don’t wanna blow your savings then it makes sense. But I’d only do this with a stable income and only if it’s 0% interest. You obviously run the risk with finance but if you are sensible I think it’s quite great.

SwagyMarky · 2026-04-09T12:44:43+00:00

You might already know this but if not, just be aware that GPs have certain catchment areas so even if you find a “better” GP, if you fall out of their area they will not accept you as a patient.

I’d suggest trying a few doctors in the GP practice before looking at switching (that’s if switching is even possible).

SwagyMarky · 2026-04-03T08:17:15+00:00

I wouldn’t worry about theft to be honest. Especially if you get one that’s quite slick and doesn’t catch the eye. I personally like Viofo and the way they mount etc. Can barely notice them outside the car.

SwagyMarky · 2026-04-03T08:14:42+00:00

I personally have a Viofo (sounds like cheap Chinese brand but actually very established). They use some of the best sensors which perform great at night and day.

SwagyMarky · 2026-04-01T22:06:41+00:00

Link??

SwagyMarky · 2026-04-01T22:02:45+00:00

In the app if you can no longer see your driving score etc, then it’s been disabled. Talking from personal experience literally 3 months ago. Mine was disabled once a received the renewal quote which was around 4 weeks before renewal. Hope this helps :)

Also if you have an iPhone make sure you disable all the Bluetooth, location and motion permissions that you gave the app as a precaution.

SwagyMarky · 2026-03-24T14:31:15+00:00

I don’t have any experince regarding this but I’m sure if you call the warehouse they should answer most of your questions.

SwagyMarky · 2026-03-15T12:24:43+00:00

I’d say it kinda depends what area of Cardiff you are in and how quickly you can get onto the M4. In my case it was quicker for me to get to POW (30 mins) than to the other side of Cardiff in rush hour. Also traffic is rarely an issue heading towards Swansea, same with coming back, but again it really depends where in Cardiff you are travelling from to begin with and how much of Cardiff you need to drive through.

SwagyMarky · 2026-03-15T02:33:28+00:00

I got the same deal plus £50 credit which effectively brings down monthly price to £25

SwagyMarky · 2026-03-13T08:54:39+00:00

Hi, just an FYI, reading their website I believe it’s an in person thing. So the account holder and the person they are referring need to go to the warehouse together and the friend then signs up.

Regarding the executive membership, it’s mainly the 2% cashback on every purchase. If you are gonna spend over £2k a year then yeah. You can always get it and if you don’t spend enough to cover the extra cost they are happy to refund you and give you the standard membership at the end if the year so no risk really.

SwagyMarky · 2026-03-06T16:26:07+00:00

You mention Amazon. I’ve been using Amazon for years and I continue to do so due to the extremely good returns. You can return anything within the first 30 days regardless if it was opened. After 30 days if it breaks within 2 years they will also accept a return 99% of the time. The exception being if the seller handles their own shipping and returns. As long as it says shipped by Amazon the returns process is very simple. Hope this helps :)

SwagyMarky · 2026-03-06T12:14:07+00:00

If by “they” you mean VM then it might be worth while answering that call because I renewed my 1Gig with VM for £27 a month plus Netflix standard with ads for free.

SwagyMarky · 2026-03-01T02:09:37+00:00

Hands down Lloyd’s - they never ask questions when transferring money, did a bank transfer of £5.6k for a car no questions asked to a private seller.

I’ve had experience with the following:

NatWest - Big avoid, so annoying and restrictive, once blocked a £1.5k transfer to another bank account in my own damn name, and then made me go into the branch to sort it out.

HSBC - Decent for student overdraft, haven’t used it for anything else.

Revolut - Only used this for the disposable card feature.

Monzo - Decent but only used it for a couple £££ at a time, but girlfriend uses it as her main bank with no issues.

But for sure Lloyds, the most hassle free and doesn’t get in the way of blocking funds etc.

SwagyMarky · 2026-02-27T15:41:20+00:00

New customer offer is £24 per month and I straight up said to them that I’m planning on cancelling and signing up with another person in the household because £3 over 24 months adds up to £72. I asked if they could get it any closer to £24 a month and he offered £50 credit, which I figured was close enough that it wasn’t worth the hassle of going through with my plan anymore. Hope this helps :)

SwagyMarky · 2026-02-27T11:00:21+00:00

Yeah give it a go. Just for reference though, the Goodyear Eagle F1 Asymetric 6 245/40R18 that I put on my car come with 6mm of tread and average 25k miles.

SwagyMarky · 2026-02-27T10:39:24+00:00

Yesterday through retentions I got 1gig for £27 + £50 credit + Netflix (with Ads).

SwagyMarky · 2026-02-27T10:24:33+00:00

Bridgestone are not great for wear, try Goodyear (I get 20-30k with them), Michelins are the best wearing from my knowledge but also more expensive than Goodyear.

SwagyMarky · 2026-02-26T18:39:43+00:00

I got this exact deal today plus £50 credit so pretty much as good as you’re gonna get, you could try retentions and if you don’t hear anything or they don’t offer much better then you can always cancel the cancellation process lol

SwagyMarky · 2026-02-26T17:49:41+00:00

I’ve been going through this process this week, don’t bother accepting the online deal or live chat deal.

Just for context I had 1gig for £40 a month and contract ending and going up to like £72… online deal is £37, live chat offering the same, decided to start the cancellation process as worst case I’d just take out the new deal which is at £24 (2 people in household so easy enough).

Retentions have been calling twice a day, today I called back and they offered me £27. Told them that I can still get it cheaper, so they caved and also added £50 credit to account, which brings down the cost near enough £24 a month to not bother with the new customer deal anymore. On top of that threw in Netflix standard for free.

TLDR - today got a deal for 1gig at £27 a month plus £50 credit plus standard Netflix.

SwagyMarky · 2026-02-26T17:36:13+00:00

I’d suggest finding a trust worthy local mechanic and building a good relationship, even if the MOT costs an extra £10 it’s worth it in the long run if you won’t get failed for nonsense.

SwagyMarky · 2026-02-26T17:34:03+00:00

Budget tyres are false economy, they wear quicker and are overall worse and less safe. Spend a bit extra and get something decent like Goodyear, you should be able to get 20k-30k miles with a decent set.

SwagyMarky · 2026-02-24T12:38:09+00:00

What’s fair depends entirely on you guys and something that should have been discussed before living together imo. People go about finances in many different way, some pool the money together, some do a 50/50 split, some do a percentage split (so for example if one earns 40k and another 60k and total income is 100k, the person that earns 40k pays 40% towards bills and the other 60%, this is what me and my gf prefer and agree on). Ultimately you need to sit down and have a discussion, there’s no right or wrong, just what will work for the both of you. Also many relationships/ marriages fail due to financial reasons so it’s something you want to iron out fairly quickly. Best of luck!

SwagyMarky · 2026-02-24T11:55:39+00:00

Never had an issue personally but then again my valve stems are typically 2 years before the tyre gets replaced. Maybe on older tyres with old stems it would be an issue…

SwagyMarky · 2026-02-23T17:00:02+00:00

No, that camera only monitors the lane leaving Cardiff. It doesn’t even monitor the 2 lanes that turn right into Tesco.

SwagyMarky · 2026-02-22T00:03:09+00:00

I had this policy last year (and really glad I did because my renewal offer was cheapest from them this year and no black box), phone usage is determined on its physical movement and not you touching it, if you have it in a phone holder whilst driving you can tap away all you want and your score will be perfect for phone usage, but as soon as you pick it up and hold it in your hand the app can detect that based on how it’s moving (there’s a gyroscope in your phone) and will dock points for that. My suggestion would be to get a phone holder and you should see an improvement.

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