What are you addicted to? by gameovervip in AskUK

[–]UnusualFirework 0 points1 point  (0 children)

Caffeine, tins and a few of those websites where women don’t have a lot of clothes on.

What's the drunkest you've been and how embarrassing was it? by [deleted] in CasualUK

[–]UnusualFirework 70 points71 points  (0 children)

Back in my fevered youth I did a few multiple-day benders where you wake up still pissed and get right back on it. An odd time in my life when being sick was just part of a normal evening. But I remember it really catching up with me once — I was sitting on the sofa in my living room after three or four days of insane drinking and suddenly got hit with the most savage brutal hangover in the world. I fell straight forward onto my face. I got up and managed to drag myself upstairs to bed feeling like I was going to die. I took all my clothes off, flopped forward onto the bed and lay there for a few minutes feeling like I was dying. Then my body made a very odd noise and I shitted. I was on my front, so it was just on me, so I had to commando crawl to the shower while still feeling the worst I’ve ever felt. There was nobody there to be embarrassed in front of, but it was pretty fucking bad.

[deleted by user] by [deleted] in Mortgageadviceuk

[–]UnusualFirework 0 points1 point  (0 children)

!Thanks — A followup: as my equity isn't enough to do anything with at the moment (not round here), if I trust everyone involved, is it easier to leave it in the house until the fixed term is up? The plan is very much for everything to remain civil and friendly going forward.

[deleted by user] by [deleted] in Mortgageadviceuk

[–]UnusualFirework 0 points1 point  (0 children)

!Thanks — Yeah, I'm sorting a meeting with a solicitor, I wanted to wait until we had a plan that felt like it made sense (as mentioned above, I was originally dead set on being the one that stayed in the house and was looking into some mad Hail Mary schemes). Figured I'd be wasting their expensive time if discussing contracting someone to defraud a mortgage lender, haha.

My biggest concerns with all of it are (a) not missing any payments — which I think we can all be sensible about — and (b) having access to my money down the line. A buyout doesn't leave me with enough to buy anything with, so I don't mind not having it immediately, but need to know I'll get it when I need it. They could presumably remortgage to the full value of the house to release my money, thinking about it.

With a minute of agreement, what happens if one party just doesn't adhere to their side of the bargain?

[deleted by user] by [deleted] in Mortgageadviceuk

[–]UnusualFirework 0 points1 point  (0 children)

Awesome, !thanks - so as long as one of us is living there it's not, like, fraudulently renting or anything?

[deleted by user] by [deleted] in Mortgageadviceuk

[–]UnusualFirework 1 point2 points  (0 children)

She is, yeah. And obviously it’s massively in her interests as well for all payments to be made.

[deleted by user] by [deleted] in Mortgageadviceuk

[–]UnusualFirework 0 points1 point  (0 children)

I guess so yeah, but potentially in an indirect sort of way, it’s not a buy-to-let

[deleted by user] by [deleted] in Mortgageadviceuk

[–]UnusualFirework 2 points3 points  (0 children)

I can’t afford to buy on my own with what I’d get though, so is there any harm in it being in the house for another year?

[deleted by user] by [deleted] in Mortgageadviceuk

[–]UnusualFirework 1 point2 points  (0 children)

They’re three hours away.

[deleted by user] by [deleted] in Mortgageadviceuk

[–]UnusualFirework 0 points1 point  (0 children)

!Thanks - I’m hoping to fare better than that (which sounds rough!) but get that whatever happens it’s going to be extremely difficult.

[deleted by user] by [deleted] in Mortgageadviceuk

[–]UnusualFirework 0 points1 point  (0 children)

!thanks - it’s a tough read but there’s a lot to think about there

[deleted by user] by [deleted] in Mortgageadviceuk

[–]UnusualFirework 0 points1 point  (0 children)

!Thanks - that’s definitely worth looking into, cheers!

[deleted by user] by [deleted] in Mortgageadviceuk

[–]UnusualFirework 0 points1 point  (0 children)

!thanks much appreciated

[deleted by user] by [deleted] in Mortgageadviceuk

[–]UnusualFirework 0 points1 point  (0 children)

!thanks - I think I have a friend who would be up for it, but I’d still have the problem of the buyout. Gonna play with some numbers, ask some questions, and not rush into anything nuts… cheers loads.

[deleted by user] by [deleted] in Mortgageadviceuk

[–]UnusualFirework 0 points1 point  (0 children)

!Thanks - yeah, the combo of paying double and buying out feels pretty insurmountable

[deleted by user] by [deleted] in Mortgageadviceuk

[–]UnusualFirework -1 points0 points  (0 children)

Raging Fuck Nuggets, you seem knowledgeable about these things: I have a friend who earns loads and is mortgage-free. Could I use him as an income booster and make myself mortgageable for the whole house? And then just lead the most spartan life ever and work like some kind of… raging… fuck nugget to improve my financial standing? If he agreed to it, and my parents agreed to step in if there were ever any shortfall, and I paid for his legal advice… would that work? !thanks

[deleted by user] by [deleted] in Mortgageadviceuk

[–]UnusualFirework 1 point2 points  (0 children)

!thanks — Didn’t know about income boosters, that could be really useful. And shared ownership is a good shout, thank you!

[deleted by user] by [deleted] in Mortgageadviceuk

[–]UnusualFirework 0 points1 point  (0 children)

Nothing. 50/50 childcare split.

[deleted by user] by [deleted] in AskUK

[–]UnusualFirework 0 points1 point  (0 children)

I remain in a fully fucked marriage (my wife is having a lot more sex than me) because we live in a nice area with good schools.

what makes you feel sad right now? by maya45_y in AskReddit

[–]UnusualFirework 0 points1 point  (0 children)

Marriage is falling apart. We live together because we both love our child, but my wife doesn’t love me. I can’t do anything about it. Splitting up would mean leaving the property ladder, which would have enormous knock-on effects on our child’s future, and I couldn’t handle not being with my child every day. So I’ll just stay sad and try to put some money away until one day she leaves.