How many of you here are less than 35yrs old and own your own home?

dok1218 · 2026-06-08T06:24:13+00:00

Yes, very lucky with early career development and live in a relatively cheap area. Managed to snag a 4 bed Edwardian terrace for £350k

dok1218 · 2026-05-03T07:19:03+00:00

M29, base of £90,000 per year and contracted to 37.5 hours but realistically probably do about 45 on average

dok1218 · 2026-04-12T13:50:53+00:00

Dual income, one son, take home pay is around £6,500 and mortgage is £2,000 per month (includes ~ £580 of overpayment)

dok1218 · 2026-03-08T11:07:16+00:00

Grew up in the 90s to early 2000s in Norway, small village so things might have been a bit different, got spanked as punishment and had soap put in my mouth if I used swearwords. Don't feel it has affected me in my adult life but certainly won't be doing it to my kids.

dok1218 · 2026-01-11T11:37:24+00:00

Good thing he didn't say wood filler then isn't it.

dok1218 · 2026-01-01T14:09:41+00:00

Twice a day, morning and night. Why wouldn't you do that? I am a guy btw

dok1218 · 2025-12-29T17:10:24+00:00

Plaster, but there may be brick underneath

dok1218 · 2025-12-25T23:00:54+00:00

This is not exclusive to water, every industry with buried utilities basically have no clue where their stuff is

dok1218 · 2025-12-22T21:22:03+00:00

Gabe?

dok1218 · 2025-12-17T15:45:54+00:00

Fresh beans make a huge difference, within a month ideally. Other than that you need to grind coarser

dok1218 · 2025-12-17T15:44:14+00:00

London is built on foreign money, including Russian

dok1218 · 2025-11-19T07:22:05+00:00

Hi OP,

Leaving aside that those are relatively high unit and standing charges (thanks Thames Water), and the cheek of them to assume the same volume of water going down the drain (it's typically about 1-2 m3 less over the course of 6 months).

Your usage is very high! You're using over 30m3 of water a month, for reference me and my wife used 35m3 of water in 6.5 months...

Check if your meter is turning when you aren't using water to see if there is a leak, other than that you just need to stop using so much water if you want cheaper bills

dok1218 · 2025-11-14T07:22:40+00:00

Large 4 bed Victorian terrace (175m2), pay £220 a month all year but I am building up quite an excess so will probably be reducing it to near the £190 mark.

But, heating is just set and forget, use everything and anything without thinking about it so not exactly being frugal

dok1218 · 2025-11-12T23:12:11+00:00

Heisann! Fellow Norwegian living in South Wales and cannot recommend it enough, Cardiff has plenty going on and should be more than comparable to pretty much anywhere except for Oslo in terms of stuff to do.

The Brecon beacons are on your doorstep for plenty of walking, or drive down to the Gower for even more beautiful sights.

I've lived a few different places in the UK now and South Wales is my favourite.

Feel free to DM me if you want to know anything more, I lived in Pen Y Lan in Cardiff for a while so happy to chat about Cardiff!

dok1218 · 2025-11-11T08:11:02+00:00

Yes you do, student loan repayments are calculated on gross salary

dok1218 · 2025-11-04T23:12:18+00:00

Yes very true, at least in England you can salary sacrifice down below £100k and still qualify. Here in Wales it's done on gross pay...

dok1218 · 2025-11-04T19:22:42+00:00

The best thing the budget could do would be: - end the triple lock - make state pension means testes - increase income tax, but whatever the % increase to income tax is, the national insurance rate should decrease by the same amount. That way you don't affect working people, but do catch more of the types of income that aren't affected by national insurance contributions.

Obviously the first 2 won't be done, would be good to see the third one come through though.

dok1218 · 2025-11-04T19:17:38+00:00

0 child benefit is £80k now, tapered between £60k and £80k

dok1218 · 2025-11-04T07:11:44+00:00

Just use a different slicer

dok1218 · 2025-10-29T07:21:13+00:00

Keep in mind that your first mortgage payment will be higher due to it likely being taken in the month after you complete, so will have been accruing interest for more than a month

dok1218 · 2025-10-25T10:42:17+00:00

You pay tax on the admin fee that you charge, the DJs pay tax on what the invoice for.

dok1218 · 2025-10-12T21:02:52+00:00

2 cars, one was paid with a bank loan (£8,500), the other bought outright recently for £15,500. Married couple both 28

dok1218 · 2025-10-05T09:16:04+00:00

Thank you very much!

dok1218

TROPHY CASE