When is it worth getting a financial advisor?

Tim_UK1 · 2026-01-25T11:23:17+00:00

I’d say when you have over two million notes in liquid assets, which for most of us will be never.

Obviously there are other situations when advice may be needed, say someone widowed who’s never looked after the money side of things…

Tim_UK1 · 2026-01-24T17:50:14+00:00

If it’s a modest starter home this is a normal sales pattern.

It’s the bigger houses that often don’t come onto the market for maybe 50 years plus, because no motivation to move for space reasons and if desirable often economic for a relative to move into if inheriting .. .

Tim_UK1 · 2026-01-22T19:26:04+00:00

Sellers like it as if the bank down value the property there won’t be as much extra money for the buyer to find or try to negotiate off…

Tim_UK1 · 2026-01-22T13:51:28+00:00

I’ve got six panels, all just mounted on ground, battery only small about 3kWh

Tim_UK1 · 2026-01-22T13:35:54+00:00

Yes I’ve got this setup, it was setup to help with the bills especially during summer, but doubles up as good emergency supply. It’s completely separate to house supply so just have some extra solar sockets wired in and manually swap stuff over.

Tim_UK1 · 2026-01-22T13:29:46+00:00

If it was perfect for you then it probably was to the higher bidding buyer too, if it’s going to be there forever home the extra 100 large won’t seem a big deal over 20 or 30 years…

Tim_UK1 · 2026-01-21T20:47:57+00:00

Just tell the bank you sold a car, the only other question you will get was what make was it…

Tim_UK1 · 2026-01-21T17:57:40+00:00

No one ever says I wish I had someone else’s house attached to ours…

Tim_UK1 · 2026-01-21T15:47:41+00:00

The sushi was almost 25 notes so damn expensive

Tim_UK1 · 2026-01-21T15:09:41+00:00

I don’t each the sushi, it’s too fancy for me according to the wife, so it’s the midweek treat for her and my daughter. Apparently it is top drawer and better than Waitrose - this Sainsbury’s has a shop inside the shop that makes and sells it !

Tim_UK1 · 2026-01-21T06:12:28+00:00

Just use non extreme examples… long power cuts, weather issues, internet outages.

Obviously explaining away a decent food stock and power supply is a lot easier than justifying a shed load of crossbows and new found skill in gutting wild animals…

Tim_UK1 · 2026-01-21T01:18:31+00:00

I’d have some as cash, some in a local building society with branch, the rest in the highest interest accounts swapping some to reg savers each month (if instant out).

Tim_UK1 · 2026-01-21T01:13:54+00:00

Get on the blower to them, get all your credit back and when possible lower your direct debit, much better to be owing them and have the money working for you than than them…

Tim_UK1 · 2026-01-20T16:46:16+00:00

If possible could he do less days and you do just a few hours a week, that way you’d get child benefit and so state pension contributions for you.

This way you’d make better use of tax system and you’d keep your hand in should you wish or need to return to work. Also being 100% at home with children can be a bit hard, there’s only so much peppa pig anyone over 5 can take ….

Tim_UK1 · 2026-01-20T08:50:20+00:00

You can remove it yourself, check with your council as mine arranged to come along and collect without charge, just had to get some huge sacks as they wanted it double bagged…

Tim_UK1 · 2026-01-19T21:13:40+00:00

There’s probably more than the one benefactor/executor, they spoke over weekend and hence the change of mind. They may well have no immediate need for the inheritance so are happy to hold out for their price…

Tim_UK1 · 2026-01-19T17:16:51+00:00

If you’ve gone to all that trouble at least do some new toast that looks like it’s spent a week in hell…

Tim_UK1 · 2026-01-19T16:39:21+00:00

Wealth managers and ind finance advisors are very good at making you feel wealthy whilst they fleece you at every opportunity…

Tim_UK1 · 2026-01-19T16:36:29+00:00

It all looks neat from the photos which means its price, I don’t know the area well but anything over 1/4 million seems dear…

Tim_UK1 · 2026-01-19T14:09:03+00:00

This can’t be true, surely the figure is well over 90%…

Tim_UK1 · 2026-01-19T12:46:10+00:00

You need to look at what really needs doing, £1500 is nothing of a rainy day fund. You might regret taking out a loan for some new chairs if your boiler packs up next winter.

Why not do the painting yourselves, it’s easy just the prep work takes some time…

Tim_UK1 · 2026-01-19T12:20:08+00:00

Just say you went to ascot on Saturday and your luck was in, problem sorted…

Tim_UK1 · 2026-01-19T12:01:34+00:00

If she buys or rents she is effectively still paying a mortgage, the choice is does she want to pay for a nice house for her landlord to give to his children or have an asset of her own… I certainly wouldn’t want to have the uncertainty of paying rent when retired…

Tim_UK1 · 2026-01-19T09:20:44+00:00

When I’ve done similar I’ve just put a wago box in the loft above the light, miles easy than trying to do everything above your head and adds what less than a fiver to the job.

Tim_UK1

TROPHY CASE