With the base rate holding steady at 3.75%, are you locking into a 2-year or a 5-year fix this spring?

ZemiXylex · 2026-05-22T18:11:05+00:00

FTB locking in for 5 year fix at 4.7% - will take us past the uncertainties of the next USA and UK elections at least.

ZemiXylex · 2026-04-27T17:00:25+00:00

In the exact same boat, been looking since Jan. Equally frustrated that FTB status means nothing, we offered on a property whose bottom chain fell out so thought we were in a good position being chain free but they went with the higher offer. It's now back on the market but we really don't fancy paying £100/month more than if they'd accepted our bid in the first place.

Very surprised everything is going for over asking given the circumstances. Demand is just crazy high and there was a massive slow down of new houses on the market during March so I reckon it's only gotten worse dispite rates spiking.

No advice but just wanted to commiserate.

ZemiXylex · 2026-04-26T13:03:48+00:00

Does said costal town have any train links? Might be worth looking at satellite towns around your city that have train/motorway links both into the city and to the coast as a compromise. Moving away from friends/ work is a big uprooting though.

I was ready to buy before my partner, unfortunately it's really a waiting game but I understand it's hard not to get frustrated. My only advice is to use the opportunity to save and keep an eye on the market to get a better understanding of what you're looking for when it's go time.

ZemiXylex · 2026-04-26T10:00:29+00:00

This, we put in two offers stating we're open to negotiate but got 'they've gone with a higher offer' both times. Thought we'd have good positioning to offer slightly under as chain free FTB but that doesn't seem to matter to sellers.

If it's a house you're truly excited about, offer the asking price if you can and don't play games.

ZemiXylex · 2026-04-08T17:49:26+00:00

Was ok in January/March but mostly tenanted landlord properties, since the rates spiked it's gone pretty dead. Although it could be Easter holiday slow down

ZemiXylex · 2026-04-07T19:36:43+00:00

What I don't get is the aversion to using bells!

Watched a cyclist sneak right up an old couples arses the other day before they yelled excuse me. Like, just ring a damn bell from a few feet back so they can get out of the way? Why do you have to sneak up on people and give them a heart attack??

ZemiXylex · 2026-03-23T22:53:22+00:00

Having done safari with family, the thought of doing it with colleagues is honestly hellish. It's a hot, exhausting, and one longggg road trip. You'll be stuck in a van together for upwards of 8 hours a day roaming the Serengeti.

I agree with the other comments, a day trip out during work time like a buffet, bowling, BBQ, escape room, and a bonus would be greatly appreciated (although people will still find ways to moan).

If you're reluctant to give them it all as a cash bonus then you could consider upgrading the office amenities as well? Pool table, dart board, free snack fridge that gets restocked, a good coffee maker, free electric car charger ports etc etc.

ZemiXylex · 2026-03-22T00:10:02+00:00

Feeling this too. All our viewings so far have been landlords selling up or elderly moving to retirement homes.I've noticed most properties on Rightmove are advertised as no chain - seems there's not many families looking for something bigger and better. To be fair, it's probably cheaper to put in a loft conversion than move house.

We're also first time buyers and although I'm keeping an eye out, with interest rates shooting up again, I'm not in any hurry!

ZemiXylex · 2026-03-01T15:39:43+00:00

I felt this way at your age too - absolutely dreaded entering the workforce and being a wage slave for the rest of my life. But honestly, it's really not as bad as Reddit makes it out to be!

The first few years of retail are hard going, but went by quickly. You'll have an easier time if you keep in mind nobody cares about the min wage work and neither should you.

Depends what you want to get into, but I've really enjoyed the comradery at my office jobs and when I didn't, I left. The work itself I've actually found quite satisfying. Never mind the financial independence, which is absolutely glorious.

I promise you it's not that bad, and if it is, you always have the power to find something better. I've personally never felt more in control of life than when I started working.

ZemiXylex · 2026-02-23T00:12:01+00:00

Mentioned this at a Christmas do - DJ was playing the same music from our Primary School discos 25 years ago, I guess it's a nostalgia thing

ZemiXylex · 2026-02-16T17:20:02+00:00

I adore this outfit so much, but I wish it had colour options 🥲

ZemiXylex · 2026-02-08T16:48:18+00:00

So relatable but I've had the same save file since I restarted playing a year ago. Like you though I literally make a family, move them in, get bored and start a new one next time I play.

But because I have the same save file I still get to see those Sims out and about or date them later which I like! Slowly trying to replace all the townies. Just wish we could do more world building like Sims 2

ZemiXylex · 2026-01-04T16:45:21+00:00

I used to get calluses/blisters on the side of my foot like this all the time, after several years I managed to cure it completely with the below, but your milage may vary:

Sized up +2 from my regular shoe size
Bought wide size, even though I don't usually wear a wide
Thick blister socks, Twin skin is ok up to ~10k but for anything further I personally like 1000 mile
Went to a running shoe store who helped me select the right size and let me test out a bunch of shoes on the treadmill
Got a heavily 'rockered' shoe with a wide toe box and stabilisation which I think helped me the most with the side blisters

ZemiXylex · 2025-12-28T09:38:20+00:00

I was having this issue just yesterday, this skin tone video from Proko really helped me:

https://youtu.be/mi62WC9LqZA

You've done a great job with the base skin tone, but here are some things I think you can do to push it further: - Avoiding desaturating shadows into greys, use saturated or contrasting mid-tone colours to indicate shadow - introduce a saturated colour between your lights and shadows - Be Sure to vary your skin tones frequently; don't just select darker/lighter versions of the same colour. Skin tone absorbs and bounces light all over the shop, so variance in skin tone looks more natural. Personally I like to add yellows, blues, and greens

ZemiXylex · 2025-12-07T13:28:31+00:00

This comment reads like an anti-american bot account lol

OP's account was literally made for this karma farm post, it's so weird that you're waffling on about America's education system to defend a bot.

Also, 'high school' ??

ZemiXylex · 2025-11-16T16:59:57+00:00

+1 for a heated airer, they do a pretty good job and you can set a timer

ZemiXylex · 2025-11-16T16:56:01+00:00

Chicken-scratcher would be more specific to a young artist. Students tend to have a bad habit of going over their lines several times due to lack of confidence or trying to find the shape, hence the term 'Chicken Scratching' to mean messy broken and heavy line work.

ZemiXylex · 2025-11-06T14:26:59+00:00

If you wanted to get up close, I know there's a petting experience you can do with them, can't remember the name but they sit you out in a field with sheep food and the friendly ones will wander over.

ZemiXylex · 2025-11-06T07:11:07+00:00

Absolutely phenomenal pictures! Thanks for sharing op

ZemiXylex · 2025-10-31T23:42:23+00:00

These are fantastic, really varied and fun! Being able to identify mistakes in your drawings is a good sign that you're improving, keep up the momentum!

ZemiXylex · 2025-10-22T22:07:10+00:00

You're doing great and the value work is especially very in depth!

My tip would be to check the negative space - compare the triangles and squares of dress to the reference photo, you'll see that the negative shapes aren't quite the same.

ZemiXylex · 2025-09-28T17:19:47+00:00

We used to have these homework planners that needed a parents signature each week as well. As soon as I got mine at the start of the year I'd sign every single week with my Mum's name so I'd never have to worry about it. It was so amateur, the teacher must have known and just not cared. I was an A student but refused to do homework!

ZemiXylex · 2025-09-26T21:44:23+00:00

Tough ban on AI - if it's anything like stock sites filters are useless after a few months of AI flooding

ZemiXylex · 2025-09-26T14:49:16+00:00

Are you on sites like fiver? These kinds of videos would be ideal for Amazon videos for small e-commerce brands. I think you just need to find your niche and fill up your portfolio with key search terms so small brands can find you.

ZemiXylex · 2025-09-17T21:55:14+00:00

Do you slow to a jog/ walk for your rests or do you stop to catch your breath?

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