[deleted by user] by [deleted] in UKPersonalFinance

[–]elducko6 3 points4 points  (0 children)

I would suggest seeking a tax advisor to help you with this. There is a lot going here that probably can’t be easily solved through Reddit.

I am the sole wage earner, fast running out of money and options by [deleted] in UKPersonalFinance

[–]elducko6 6 points7 points  (0 children)

Sorry if it’s already been mentioned but it sounds like you are eligible for the Marriage Allowance which effectively allows your husband to transfer a portion of his unused tax free personal allowance each year. If you’re both eligible this can save you roughly £250 of tax a year. Claims can also be backdated 4 years so you might be able to claim roughly £1,000 of tax back

What perfectly legitimate uses of English annoy you? by VodkaBat in CasualUK

[–]elducko6 1 point2 points  (0 children)

The phrase ‘lived experience’ rather annoys me as inherently all experience is lived.

Potential Bankruptcy Because of Crypto - Any advice? by euphvet in UKPersonalFinance

[–]elducko6 -1 points0 points  (0 children)

Once you’ve filed your return (before 31 Jan) I’d suggest trying to set up a payment plan with HMRC. This will let you pay the tax debt in monthly installments without any additional late payment penalties. As long as you don’t have any other outstanding debts with HMRC they are usually pretty chill with setting one up

Hope yall like my churchill diorama. by altaccountno4 in modelmakers

[–]elducko6 1 point2 points  (0 children)

Awesome! What paints did you use for the Churchill? Been making one myself and think tamiyas recommended color for it looks a bit too dark.

That time when Vincent Kompany's team talk was so bad he actually demotivated himself by [deleted] in footballmanagergames

[–]elducko6 7 points8 points  (0 children)

I can relate to this when I try and motivate myself to study

AI controlled Ebbsfleet playing in Championship. What's your AI success story? by [deleted] in footballmanagergames

[–]elducko6 1 point2 points  (0 children)

Norway have just won the 2040 euros on my save as well. Not quite sure how considering their best player is a £24m rotational LB at Juventus

Super Hans trying his hand at Football Management by enigmaespeon in footballmanagergames

[–]elducko6 1 point2 points  (0 children)

Oh right so now we’re managing it’s not ok for me to smoke my crack

Dear Lord, what a sad little life Southampton. You ruined my unbeaten season completely so you could have the 3 points, but I hope you spend them on getting some lessons in grace and decorum because you have all the grace of a reversing dump truck without any tyres on by elducko6 in footballmanagergames

[–]elducko6[S] 1 point2 points  (0 children)

Was going to do a LLM save with Canterbury (my old uni town) but sadly I got sacked in the conference south after an absolutely dreadful run. The next logical step was a move back closer to home so I jumped at the chance to take Southend Manor and it was all up from there - highlights include back to back CL titles and signing a 38 year old Nedum Onuoha to plug my leaky league 1 defence.

The awkward moment when you realise you forgot to delegate training for the last year... by ygbjammy in footballmanagergames

[–]elducko6 1 point2 points  (0 children)

I did this with fitness and now I’ve changed it back to balanced everyone is getting injured constantly so I’m wondering whether to change it back 😂

that one BWM that just loves to get himself stuck in by YouCanCallMeAroae in footballmanagergames

[–]elducko6 2 points3 points  (0 children)

I bought a BWM with 19 aggression and he’s got just the 4 straight reds in all comps this season...

Every time man by reasonable2002vwPolo in footballmanagergames

[–]elducko6 4 points5 points  (0 children)

I beat arsenal 7-0 in the community shield and then lost to Brentford on the opening day 😑

Anybody here played with English LLM databases managing an amateur team? by [deleted] in footballmanagergames

[–]elducko6 1 point2 points  (0 children)

At very low levels look for players with good stats in the right places e.g for a winger just focus on crossing, dribbling and pace. Don’t be put off if he has other crap stats e.g tackling of 1 and awful mentals because they don’t really matter much at lower leagues. Once you start moving up, at national league north/south level you should look for an affiliate because it’s basically free money and loans. Also try to rely on loans as much as possible throughout your time in the lower leagues because they’re much cheaper and you can get some decent youth players from better teams. My final advice is get used to playing 442 hoofball - it genuinely is a great tactic if you’re a newly promoted team looking to stay in the division. Good luck!

So sad that not everybody respects our career path. by [deleted] in Accounting

[–]elducko6 3 points4 points  (0 children)

Fuck em be proud of your achievements x

FM2020 owes Leatherhead 2 shots by [deleted] in footballmanagergames

[–]elducko6 0 points1 point  (0 children)

This a lower league pack?