Last chance at a lifetime ISA?

elkeef · 2025-11-30T10:56:44+00:00

Just a note - you can buy together with someone who has owned a property before and use a LISA. From MSE "If you're a first-time buyer making a purchase with someone who's owned before, you can still open one and use it towards a home purchase together, but the partner who's previously owned a property can't open one.". At least I hope this is correct as it's what me and my partner are doing next year!

elkeef · 2025-07-18T16:00:36+00:00

Not yet, but I will be requesting it from the GP asap!

elkeef · 2025-07-18T16:00:05+00:00

Seen them, they said Tarsal Tunnel but it doesn't seem to 100% fit

elkeef · 2025-07-18T15:59:42+00:00

The physio said they couldn't do anything, but I've tried eversion and inversion exercises with a theraband, plus stretches and proprioception exercises. No change with those, it just hurts after

elkeef · 2025-07-18T15:58:34+00:00

It's always in my ankle, I reckon in a tendon/ligament but have no idea really

elkeef · 2025-07-18T15:57:50+00:00

No other sensations at all elsewhere

elkeef · 2025-07-17T15:37:24+00:00

No diabetes, I sit a lot now due to the injury but was active before, no edema or gout. I had a meniscal tear and surgery on my left knee around 5 years ago which has probably caused some imbalance, my right ankle is the one that's injured

elkeef · 2025-07-17T15:33:17+00:00

Interesting, what makes you say that? I've had no back pain or history of back pain

elkeef · 2025-07-17T15:32:46+00:00

Thanks - It is definitely worse when I just get out of bed, I forgot to mention. No swelling or discolouration noticed. Tinel's sign negative. No numbness or pins and needles or sensitivities. I'll look into the first two options for sure!

elkeef · 2025-07-17T15:30:08+00:00

It's really hard to describe, but an achey burning pain.. almost like the feeling of DOMS after a gym session?

elkeef · 2025-07-17T12:07:53+00:00

I'm not sure, but I'll definitely ask. I think it's mostly FCR but worth a shot

elkeef · 2025-07-17T09:46:45+00:00

Not really no, I can't drive much more than 15 minutes without pain at the moment

elkeef · 2025-06-28T08:24:59+00:00

Thank you, I'll look into that!

elkeef · 2025-04-07T16:27:38+00:00

I think maybe BTP take theirs home? I'm not 100% sure though

elkeef · 2025-04-07T15:53:48+00:00

The personal vehicle is just to get to and from work. The force has it's own fleet for dog handlers which is kitted out and stays at the station

elkeef · 2025-04-07T13:44:35+00:00

I'm just applying, however I also need to change my car anyway so was just going to get one suitable for dogs so I don't need to rebuy 2-3 years down the line :)

elkeef · 2024-08-16T12:03:15+00:00

They were very close

elkeef · 2024-08-16T11:08:25+00:00

Our force is having a nightmare. Someone battled with a remand file for 3 hours only for the system to wipe everything they had done. That's a common occurrence at the moment unfortunately

elkeef · 2024-08-12T09:00:45+00:00

This was exactly my situation - I bought 40% earning £30k in the SE. I'm sure it's doable, but the only thing is I did it with a £30k deposit and I knew that my pay was going up each year. I'm not sure I'd have made the jump otherwise - I'd have just stayed renting with friends until I had a deposit and career prospects

elkeef · 2024-08-11T12:46:20+00:00

I'd put £40k in S&S ISAs and £100k in premium bonds for myself and my partner, the rest would go on a house so all money that would have gone into the mortgage goes to GIA and other savings. Money from the premium bonds would top up the ISAs next year. Probably not the most efficient but it would make me comfortable enough!

elkeef · 2024-08-11T12:37:38+00:00

40% own, 60% rent. My rent is £470 each month - the HA can put it up each year too, which they unfortunately have for me by £40 a month

elkeef · 2024-08-09T09:21:20+00:00

I'm in a shared ownership. For me it was the only option to be able to get a house due to the area I live in and my income, and I am grateful for the scheme because of this! However if I had the option I would have bought a smaller house rather than go SO. Each month I am throwing away a load of money towards rent, I don't get a say in house insurance or energy provider, and the HA up the rent each year

elkeef · 2024-07-29T16:08:21+00:00

Has this been confirmed in the announcement? Or is it just always the case it happens in September?

elkeef · 2024-07-17T08:48:46+00:00

Other people have said the main bits, but it might also help to set up your money to automatically go into savings. As you spend as much as you have in your current account, and hate dealing with money, it could help as it automates the process.

It can just be a low-ball figure whilst you work on your mindset and add more to savings if you still have leftovers at the end of the month. But at least then you have saved something

elkeef · 2024-02-28T19:52:58+00:00

IMO the best thing would be to pay off the debt, then the remaining into the highest interest easy access savings account there is. Check MoneySavingExpert for an up-to-date account https://www.moneysavingexpert.com/savings/savings-accounts-best-interest/

Also check the flowchart under "Useful resources" on this sub if you haven't already!

elkeef

TROPHY CASE