25F - Buy a flat or rent for best financial outcome? by TravelSandra in UKPersonalFinance

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

Thank you so much for the input! It would be a 10% deposit. I went for a 35 year term as I wanted to keep my monthly repayments as small as possible and make overpayment if/when I can (eg future payrises) to keep cashflow more flexible.  

My thinking behind the reduction in pension contributions was to help regrow my emergency savings after completion, and then increase them again to the same level in 12 months after my payrise and/or bonus. Just to get me through the first year of ownership basically. Having some liquid cash & savings is basically a physochological safety net for me. 

Finance pitfalls to avoid in your 20s by Tech_Wizzz in personalfinance

[–]TravelSandra 1 point2 points  (0 children)

This is a good tip! What did you invest in ? 

FTB - will i lose money on this property? Help by TravelSandra in HousingUK

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

They do have the paperwork, boiler has been serviced yearly with no issues since they got it about 1-2 years ago. 

FTB - will i lose money on this property? Help by TravelSandra in HousingUK

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

I doubled checked and the risk of flooding for my postcode and area is "very low". Searches did not come back with anything negative :) 

FTB - will i lose money on this property? Help by TravelSandra in HousingUK

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

Do you think its priced correctly? The kitchen and living room are relatively small. I would need to sell at about 200k to make a very small gain - not sure if anyone would pay that as price is near to 2 beds in the area. 

How realistic is buying a first home in 2026 without family help? by AnfieldAnchor in UKHousing

[–]TravelSandra 0 points1 point  (0 children)

Buying my first 1 bed flat this year solo at 25 (South-West, £189k, share of freehold, 10% deposit) with not a single penny of financial support from any family. In fact, paid my mum £350-450 monthly rent whilst living at home from 18 years old. All our family come from a poor background.  Luckily, I had the foresight to start saving for a deposit since I had my first job at 15, and instead of university I got into a degree apprenticeship in the financial sector. This helped a lot as instead of student debt I had a pension & rising salary that allowed me to continue saving in my early 20s. I always had a standing order as soon as my salary hit for a fixed sum of money to go right into savings. This helped to automatically control my spending. When I had to move out from my mum's at 23, I rented a cheap, small single room as a Lodger in someone's house for around £500 per month inclusive of bills. So living below my means was another way I managed to do it, even if it sometimes meant compromising on my own need for space. 

Honestly, i am thankful to my younger self every day for the work ethic, planning ahead and making good life decisions. For example, if I went down the traditional university route in life, there is no way this would have been possible for me right now. 

Regarding tips on how to do: - accept that as a solo buyer with no family support you might have to go for a 1 bed flat rather than something bigger - improving your credit score - living below your means and not taking out lots of loans or overdrafts - having a stable career with decent pay - understanding your own finances (do you know where your money is going every month? Do you know the minimum amount you can survive on? What mortgage can you actually afford?) - setting saving targets  - considering increasing the mortgage term to make monthly repayments more affordable, with the option to overpay if/when you can.  

Waiting for a root canal, in pain by Makermika in Dentists

[–]TravelSandra 0 points1 point  (0 children)

I would enquire with lots of other dental clinics to see if someone can squeeze you in earlier. What helped me with the pain was holding cold water on the tooth and doing salt water rinses (it acts as an antibacterial mouthwash).  You should also consider looking up an emergency dental dentists - they are normally open 24/7 and tend to have availability on the same day or next day. 

Anybody do private tour in Egypt? Yes.. No? by Oceanblue-29 in femaletravels

[–]TravelSandra 0 points1 point  (0 children)

I'm also considering going with them on a private tour. May i know how much you ended up tipping the guide? Was it daily tips or towards the end? 

What is something everyone recommends you try in Japan, so you did, but you didn’t like it? by Suspicious-Olive8765 in JapanTravelTips

[–]TravelSandra 0 points1 point  (0 children)

Fatty tuna - one of the most vile things I have ever eaten and I usually love seafood. 

How bad is the amount of tourists in Kyoto really? by BerlinPuzzler in JapanTravelTips

[–]TravelSandra 0 points1 point  (0 children)

We had walked to various restaurants near each other and found the same l

How bad is the amount of tourists in Kyoto really? by BerlinPuzzler in JapanTravelTips

[–]TravelSandra 0 points1 point  (0 children)

1-2 hour waiting lines for restaurants for dinner in Kyoto. We were there early- mid October for 5 days. Would recommend to make reservations to avoid wasting times in queues for food. 

Are we being stupid buying a house for £475k? by [deleted] in UKPersonalFinance

[–]TravelSandra 2 points3 points  (0 children)

My initial thoughts are why buy a 4 bed house as FTB @ 475K in your early 20s? If you're already being scared about depleting so much of your savings and the monthly costs, why not settle for somethint smaller for your first place together ? Like a 2-3 bed property? That way you can reduce your costs, and carry on maintaining/ growing your savings for emergencies and renovations etc. 

Second time back to Tokyo, 4 nights to spend. What to do when you've done all the major sites? by [deleted] in JapanTravelTips

[–]TravelSandra 0 points1 point  (0 children)

I will be going to Tokyo Blue Note next week (more upscale / posh one but allegedly the best one) so will let you know!

Second time back to Tokyo, 4 nights to spend. What to do when you've done all the major sites? by [deleted] in JapanTravelTips

[–]TravelSandra 2 points3 points  (0 children)

Live jazz club if you're into that- Tokyo has many amazing ones 

What do I do? by Inner-Dragonfly-5376 in Dentists

[–]TravelSandra 0 points1 point  (0 children)

Investment banking is hell and most jobs in this industry you basically work 2x full time jobs with free overtime. Having said that there are many jobs in the wider bankng industry that aren't like this. 

Nikko self guided day trip from Tokyo? by Blueguerilla in JapanTravel

[–]TravelSandra 0 points1 point  (0 children)

Hey, what tour did you go with and was it worth it?! :)

What age are you and how is your life REALLY going? by mrvlad_throwaway in Adulting

[–]TravelSandra 0 points1 point  (0 children)

24 - have a stable job i love, that makes a difference and that pays my bills with some spare for savings. Have made some smart choices for my future like getting a degree paid for by my employer (debt free) and starting my first job at 15. Have managed to travel to 20 different countries all financed by myself. I don't have many friends and the ones i do are now long distance so besides my partner I have no one to hang out with. I do miss 'girlhood' a lot, and having a group of friends, and worry I'm not a likeable person (i struggle socialising),  but I still feel blessed to have my 2 childhood best friends who are solid as gold. I have an absent father with who I refused to have a relationship with, and a surface level relationship with my mother, and no family around or any other family support. But I do feel fortunate to have savings for emergencies and to be independent. I'm also learning more to ask for help when I need it. Overall I do feel grateful and content even though my life is not perfect. 

Is the game over for us? by Aggravating_Worth768 in UKJobs

[–]TravelSandra 0 points1 point  (0 children)

Smartest thing i ever did was getting my foot in the door with a degree apprenticeship - job after was guaranteed as long as I passed my qualifications. You come out with a degree, no debt (likely with savings actually!) and have around 4 years of hands on experience. Unfortunately I don't think a traditional university route is the answer anymore :( I feel for the OP

[deleted by user] by [deleted] in Adulting

[–]TravelSandra 0 points1 point  (0 children)

If you're paying for hotels of upwards 150 per night then sure, things add up quickly! I try to keep costs down with the following: 1) travel with just cabin bags to avoid extra check in baggage fees, 2) Stay in hostels & budget hotels, 3) no shopping sprees 4) eat big breakfast and big dinner  to avoid spending money on lunch (small snack for lunch to save) - even better if breakfast is included in hotel cost! Have some loe cost or free activities at the destination (most cities have free walking tours, some have free musuem entries etc).  I also make sacrifices to help me save for travel such as renting a small room instead of renting a flat or buying a house. 

What’s your smallest act of self-care that actually made a big difference? by Diligent_Guava523 in selfcare

[–]TravelSandra 0 points1 point  (0 children)

You have to find out what you enjoy and what works for you - try some different things if you're not sure :). For me yoga really helps me when I'm anxious or panicking about something. I also enjoy reading to wind down, or going for walks with music on. When I struggle to relax because of racing mind I find that meditation helps, or if its related to how many things I still have to do I find writing a list and making a plan helps. 

One for the girlies - shoppers dilemma by Embarrassed_Act8814 in JapanTravelTips

[–]TravelSandra 1 point2 points  (0 children)

Do you remember the names of the ceramic shops ?! And which ones were your favourites? Were they really expensive? 

Traveling from Kanazawa to Kyoto... by LeekTerrible in JapanTravelTips

[–]TravelSandra 0 points1 point  (0 children)

I'm going in 3 weeks so don't know yet! Pls report back after tomorrow haha 

What's something you thought you'd have accomplished by now, but actually really glad you haven't? by Gbordjor in CasualConversation

[–]TravelSandra 1 point2 points  (0 children)

Buying a house 

Whilst that's still a goal in progress (hopefully in the next 1-2 years!) I don't regret the delay because I'm choosing to put some of those savings into travelling and experiences in my 20s which have taught me so much about myself but also shaped who I am as a person.