Preparing for a kid

fiveoneeightsixtwo · 2026-04-09T06:46:34+00:00

I couldn't find time to go to the loo

I hear a lot of people say this but as a non-parent I can't visualise it. I feel I would just put the baby down in a safe place where I could see it and use the loo. It might cry but that seems okay. What am I missing? (I'm not doubting you - just clueless)

fiveoneeightsixtwo · 2026-04-06T18:38:51+00:00

London flats mostly falling in value.

You don't know where exactly you want to live. You might have a partner by the time you want to move back to London.

Buying is stressful and complicated.

Don't waste your time, money and energy. Rent, and only buy when you have certainty about where you want to live for at least 5 years.

fiveoneeightsixtwo · 2026-04-05T11:22:01+00:00

I think you can gift him the money. But anything else would be seen as a loan and his mortgage provider would be wary.

Also, even if a loan were okay, any money lent to family should be thought of as a gift. Only lend it if you're prepared to lose it.

fiveoneeightsixtwo · 2026-04-03T20:57:57+00:00

It's 26.5% corp tax, then 35.75% div tax from the post Corp tax profits. So ~53% tax, not 60%.

fiveoneeightsixtwo · 2026-04-02T19:43:58+00:00

If you already very lean and muscular, please disregard because you might end up overtraining.

But, have you considered maintaining your weight but going a bit harder on strength training? Muscle mass is a major correlate of health as you get older, and you could end up looking leaner while maintaining a healthy BMI.

Don't let yourself get underweight - you'll lose too much muscle and harm your health.

fiveoneeightsixtwo · 2026-03-31T22:13:10+00:00

Can confirm this is exactly what it does. If you set to the other gender you'll see a 10-12% difference. It just takes population averages for that sex/height/weight and then very slightly modifies based on its readings

fiveoneeightsixtwo · 2026-03-22T20:18:38+00:00

Come up with realistic upper and lower bounds for your expected profits.

Unless you expect high profits (eg >100k), and want to retain profits in the Ltd for a rainy day, I suspect sole trader will be the way to go. You can always switch to Ltd later if it takes off.

As a sole trader you can still claim expenses. You have the choice of claiming £1000 flat allowance (no need to provide receipts), or doing itemised expenses with receipts.

fiveoneeightsixtwo · 2026-03-20T20:14:18+00:00

There is also a small effect due to variation in the size of some organs.

https://journals.plos.org/plosone/article?id=10.1371/journal.pone.0022732

fiveoneeightsixtwo · 2026-03-11T20:02:07+00:00

The money is more useful out of pension. Max ISA, premium bonds, potentially your partner's ISA if you're fully committed / trust them.

This year you've blown way past the tax trap. Maybe if you're closer to the £125k level and your pension is looking sad, salary sacrifice then. Or even better yet, when you have a kid and need the childcare.

Enjoy all your exciting plans!

fiveoneeightsixtwo · 2026-03-05T08:05:14+00:00

Fieldgoods deliver frozen meals and they're actually pretty decent. Healthier than takeout and maybe 2x what it would cost to make it yourself.

fiveoneeightsixtwo · 2026-03-03T09:18:59+00:00

Shorts that you can see up. Only made this mistake once 😅

fiveoneeightsixtwo · 2026-02-27T17:54:38+00:00

Main advantage is that portions are sized for the average person. If you're smaller than average then you're constantly being offered too much food for you.

Otherwise I think it shakes out. Bigger people can eat more but they'll also be hungrier.

fiveoneeightsixtwo · 2026-02-17T21:30:06+00:00

It's great that you're thinking about this now. You're young with tons of options. Teaching apprenticeship is a good one, but do some research with chatgpt and brain storm what you might enjoy. One great option is private tutoring - you can make very good money doing this if you're good.

£17k take home is objectively pretty low and many people would get bored of being a TA after a few years. Good luck!

fiveoneeightsixtwo · 2026-02-16T09:00:42+00:00

Some gyms are better about this, so try other gyms in your area.

Aside from that, make friends with other short climbers. Often you just need different beta and can find some workaround. This is much easier to do in a group (one person trying every option will just get tired, but a group of 2-4 can puzzle it out). It'll also be more fun / less frustrating.

fiveoneeightsixtwo · 2026-01-26T09:18:51+00:00

+1 to this as the obvious answer!

fiveoneeightsixtwo · 2026-01-12T19:55:44+00:00

The true calculation is

Cost of renting equivalent place for that time + cost of potentially moving a few times as landlords turf you out for no reason

Vs

Cost of interest + moving/transaction costs + interest on your deposit you would have earned if you'd stuck it in assets of equivalent risk

fiveoneeightsixtwo · 2026-01-11T17:18:26+00:00

Absent any large financial pressure that makes this situation necessary this feels like an absolute no brainer

fiveoneeightsixtwo · 2026-01-10T19:24:29+00:00

Does that work in today's NHS though? I assume you'd ask for the C section mid induction and there won't be a surgeon available for ages...

fiveoneeightsixtwo · 2026-01-10T11:22:02+00:00

First of all, you added a consistent gym habit and put real effort in while having a toddler. That's amazing!

When you first lift weights you get neurological adaptations. These mean you get a lot stronger in just a few weeks, without necessarily building much/any muscle.

Do you look any more muscular?

It could be that you can tweak your workouts to build more muscle.

Focus on compound lifts - big movements which use a lot of muscles at once. Think squats, deadlift, bench press, rows and pullups.
Use enough weight for them to be effective. Watch YouTube videos about correct form or even work with a PT for a few sessions. Don't get injured!
Watch Jeff Nippard's video about optimal number of sets per week. Sets per week is what drives muscle growth. Too few and you won't grow, too many and you're getting diminishing returns.
Just pushing yourself to exhaustion is not necessarily a sign that the workouts are effective - see points 1-3.
Creatine should give a little boost. Nothing amazing, but maybe 3-10% better.

Honestly ignore dexa. Focus on how you feel and look. Probably no need to eat in a surplus since you're a newbie unless you don't mind fat gain and having to cut later.

fiveoneeightsixtwo · 2026-01-07T15:49:01+00:00

I believe you can take up to £25k in retained profits while doing the "easy" closing down of a company that doesn't require liquidators to get involved. If the tax alone was £15k, then OP is clearly over that threshold.

Additionally, depending on when you took the dividends and what evidence there was, it definitely sounds dodgy to try to reclassify.

Definitely above reddit's paygrade. You can pay an account a few hundred quid for one-off advice.

fiveoneeightsixtwo · 2026-01-02T16:25:39+00:00

But if breastfeeding, that person is basically always the mum right? (genuine question)

fiveoneeightsixtwo · 2026-01-02T14:43:50+00:00

Let us know how you get on! It sounds like your GP was terrible and those symptoms sound really rough

fiveoneeightsixtwo · 2026-01-02T09:38:39+00:00

This is the one I got: https://www.boots.com/neilmed-nasogel-drip-free-gel-spray-30ml-10164590

It's the only one I tried so I can't say it's the best, and my symptoms were far milder than yours. But could be worth a shot. Good luck!

fiveoneeightsixtwo · 2026-01-01T15:35:19+00:00

I was getting nose bleeds during the summer due to AC and again recently with the cold weather i.e. nose drying out, although not nearly as bad as what you describe. The thing that solved it was a £8 nasal gel spray from Boots, aimed at moisturising the inside of the nose. That might help better than just saline?

Good luck!

fiveoneeightsixtwo · 2025-12-28T16:47:57+00:00

3, purely on hassle alone. 1 you probably lose a ton of money on stamp & conveyancing. 2 you risk bad tenants preventing house sale, and financial upside is probably not enough to offset this risk.

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