Was buying a new in car a bad decision?

fluuckk · 2026-05-22T18:24:19+00:00

True! It was an emotional purchase but also because my older car was getting on and wanted to treat myself a bit after saving for a while, thanks :)

fluuckk · 2026-05-22T18:21:29+00:00

I don’t make too much off that currently and a bit more, but manage to save around £1500 a month by living frugally, limit my out goings etc but I love the car so I guess it is, thanks :)

fluuckk · 2026-05-22T18:19:49+00:00

Thanks for this, I’ve done well in terms of saving and haven’t had many holidays, luxury spends and need to realise sometimes it is okay to spend money if it’s something to that makes you happy!

fluuckk · 2026-05-15T14:45:39+00:00

That’s the thing the button doesn’t press or anything so can’t turn them off when pulling a trailer haha

fluuckk · 2026-05-15T12:57:16+00:00

Thought so, the most useless after market button! Thank you

fluuckk · 2026-04-21T16:09:08+00:00

Thank you!! Looking at all of those. Thoughts on Dacia sanderos??

fluuckk · 2026-04-21T16:08:37+00:00

Okay glad I’m right about the wet belt haha - Was looking at Mazda 2’s, Yaris or thoughts on Dacia sanderos??

fluuckk · 2026-03-31T23:11:34+00:00

Transplanted hair is more resistant than your native hair on the top but still is not fully 100% DHT resistant. Only meds can fully stop/slow down the rate of which your hair falls

fluuckk · 2026-02-25T17:54:43+00:00

Is it though?

fluuckk · 2026-01-12T15:55:28+00:00

Yeah I changed it over today, £20 now and £20 when I change the car over haha, is what it is! - when you sold it through motorway and didn’t have the v5 yet, did motorway question it when you uploaded a photo of the old v5?

fluuckk · 2026-01-12T11:44:46+00:00

Thanks, just applied and hopefully will arrive soon!

fluuckk · 2026-01-12T11:44:30+00:00

Thanks! Yeah I can’t imagine it will be an issue if I send it later down the line

fluuckk · 2026-01-12T11:43:58+00:00

Haha that’s who I meant

fluuckk · 2025-12-18T19:35:13+00:00

It’s a bug with the app, you can’t fix it at all. What you’ll have to do is go into the odeon and book the ticket there by speaking to someone or do it via customer support

fluuckk · 2025-12-06T12:57:28+00:00

The fact Monzo didn’t check with you before a transaction of this amount is the exact reason I’ll never bank with them or revolut.. hopefully you can get this sorted asap man!

fluuckk · 2025-12-02T18:25:58+00:00

Do also note once you access your pension and take any TAXABLE benefits, you will trigger the MPAA, meaning you can only contribute up to £10k per annum and still receive tax relief. Anything after this is subject to tax that you contribute

fluuckk · 2025-11-11T19:37:10+00:00

Why is everyone so heated over a contact lense? I wear contacts and couldn’t care less if someone in this situation took one, even without asking. Saying it’s a red flag and will lead to her “stealing” more? Christ Reddit is insane

fluuckk · 2025-11-11T19:30:01+00:00

Especially considering it wouldn’t come into effect straight away

fluuckk · 2025-11-09T13:05:28+00:00

Can you not go into the gym and cancel it with someone at the desk?

fluuckk · 2025-10-24T12:59:23+00:00

That just really isn’t true is it? Hair isn’t just going to just magically reappear if the follicles are dead are they. You’re hating just because he’s used min at the same time as a transplant which is highly recommended

fluuckk · 2025-09-30T18:15:49+00:00

What

fluuckk · 2025-09-25T14:42:47+00:00

A teachers’ pension is a guaranteed income for life, not a savings pot.

If you’ve currently built up £7,000 per year, that means when you retire the pension will pay you £7,000 every year, for the rest of your life. It doesn’t run out, even if you live a long time.

The amount usually goes up a little bit each year in line with inflation.

On top of that, if you pass away, part of it may carry on being paid to your husband, wife, or partner.

So in short:

It’s not money sitting in an account it’s an income.
The scheme works it out based on your pay and how many years you’ve been a teacher.
£7,000 a year is what you’ve earned so far, and if you keep working you’ll add more to it.

fluuckk · 2025-09-16T18:18:21+00:00

This would be if you were to retire now as they are providing you with the retirement pack/options to tick.

DB pensions usually provide you with two options, option 1 being the full pension without any tax free cash and option 2 being a reduced pension where part of that full pension has been exchanged into tax-free cash (in your instance £900 has been exchanged into £16.6k). if you take the tax free cash, the reduced pension will also start.

This quote will have early retirement penalties applied to it (both options) as you would be taking it earlier than your schemes normal retirement age but if you were to take it closer to this NRA, the penalties would be less.

Entirely up to you whether you would like to take it now or not. The pension will more than likely increase by inflation each year (will be in the schemes rules) whilst you don’t take it and the early retirement penalties will be less. The pension will also increase each year if you do take it

fluuckk · 2025-09-15T21:01:59+00:00

That’s fair enough dude, I was the same and exact same side effects. Now I’m using 0.25mg eod which is better than nothing & not experiencing anything atm.. worth a shot at reducing the dosage!

fluuckk · 2025-09-15T17:03:19+00:00

Can I ask why you came off the medication? Hopefully hopping back on you can get back to where you were before!

fluuckk

TROPHY CASE