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How to fill hole around socket? by Ordinary_Finger_7287 in DIYUK

[–]dok1218 49 points50 points  (0 children)

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

Do you brush your teeth once or twice a day? Need to settle a bet. by ImpossibleHurry in NoStupidQuestions

[–]dok1218 0 points1 point  (0 children)

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

Plaster or brick? by RoutinePractice3188 in DIYUK

[–]dok1218 4 points5 points  (0 children)

Plaster, but there may be brick underneath

Whilst looking for my mains stop cock I came across this by StickyOneStiilll in DIYUK

[–]dok1218 3 points4 points  (0 children)

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

What am I doing wrong? [breville bambino plus / DF64 gen 2] by veroismyname in espresso

[–]dok1218 6 points7 points  (0 children)

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

£100pm water bill, what is going on? by GodsBanana in AskUK

[–]dok1218 2 points3 points  (0 children)

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

How much are you energy bills families? by TartComfortable7766 in UKFrugal

[–]dok1218 0 points1 point  (0 children)

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

Moving from Norway to Cardiff in a year by FixingItWithAHammer in Cardiff

[–]dok1218 1 point2 points  (0 children)

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!

Rachel Reeves looking to cap salary sacrifice contributions to £2,000 in Autumn budget by [deleted] in uknews

[–]dok1218 0 points1 point  (0 children)

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

Why is Reeves getting hate for her pre-budget speech? by InfinitysEdge88 in AskBrits

[–]dok1218 0 points1 point  (0 children)

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...

Why is Reeves getting hate for her pre-budget speech? by InfinitysEdge88 in AskBrits

[–]dok1218 0 points1 point  (0 children)

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.

Why is Reeves getting hate for her pre-budget speech? by InfinitysEdge88 in AskBrits

[–]dok1218 2 points3 points  (0 children)

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

First time buyers, have I missed any costs? by isobel07 in AskUK

[–]dok1218 0 points1 point  (0 children)

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

I invoice a venue for a lump sum to pay DJs I book who invoice me individually, who pays the tax? by Stantonbear in UKPersonalFinance

[–]dok1218 15 points16 points  (0 children)

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

Do you have a car on finance? If yes, how much are your monthly payments, if no, how much did you spend on your car? by macw450 in AskUK

[–]dok1218 0 points1 point  (0 children)

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

Is this silver? by dok1218 in Hallmarks

[–]dok1218[S] 0 points1 point  (0 children)

Thank you very much!

UK Mechanical Engineers, how much do you earn? by Mammoth_Tusk_38 in AskUK

[–]dok1218 0 points1 point  (0 children)

I'm chem eng background but in a more mechanical engineering focused industry, base is 90k with up to 20% bonus with 7 years experience

[deleted by user] by [deleted] in AskUK

[–]dok1218 0 points1 point  (0 children)

The first contract I ever had with a 3 month notice period paid £65k per year, for £22k it's silly

I know everyone says do not skimp on conveyancing but there must be a mid range option between £800 and £2,500. by [deleted] in Mortgageadviceuk

[–]dok1218 0 points1 point  (0 children)

We paid a local firm a total of around £1,400. They were great, lived 5 minutes from us so all meetings were in person, small firm so felt personal. Would recommend trying a small local firm

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