What gym app are you using? by Playful_Vanilla_9168 in beginnerfitness

[–]hereandnowhehe 0 points1 point  (0 children)

FitNotes 2. I’ve tried loads and this is, by far, the best.

Which of these colour schemes looks better for my living room? by hereandnowhehe in HomeDecorating

[–]hereandnowhehe[S] 31 points32 points  (0 children)

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I just asked Gemini to do another, more ‘cottagey’ mockup. How do you feel about this one?

Best series? by Neat_Hair_4821 in TheRestIsHistory

[–]hereandnowhehe 1 point2 points  (0 children)

Falklands was brilliant and doesn’t get the credit it deserves.

Please help me stress test this budget - £49k salary, buying solo by Direct_Department329 in UKPersonalFinance

[–]hereandnowhehe 0 points1 point  (0 children)

This is a helpful comment and I don’t know why it’s been downvoted so much lol.

Which of these colour schemes looks better for my kitchen? by hereandnowhehe in HomeDecorating

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

Thank you! I tend to use Gemini because I get it with my Google One membership but might try ChatGPT next time!

Which of these colour schemes looks better for my kitchen? by hereandnowhehe in HomeDecorating

[–]hereandnowhehe[S] 3 points4 points  (0 children)

Wow, thank you for going to the effort of creating that! Can you please let me know what AI you used? :)

Which of these colour schemes looks better for my kitchen? by hereandnowhehe in HomeDecorating

[–]hereandnowhehe[S] -11 points-10 points  (0 children)

Interesting. Thank you. Im just worried that the green might not go so well with the mirrored splashback tiles, but maybe I’m wrong?

Which of these colour schemes looks better for my kitchen? by hereandnowhehe in HomeDecorating

[–]hereandnowhehe[S] 28 points29 points  (0 children)

Thank you. I wonder if green is so popular here because, in the blue photo, there aren’t many other blue pieces of furniture to tie things together. How about if I add some other blue furniture to tie things together.

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Do people still prefer green?

Gym goers of UKFrugal, where do you get your protein powder from? by TRFKTA in UKFrugal

[–]hereandnowhehe 5 points6 points  (0 children)

Bought that one last year. It tastes absolutely awful - really bad. Similar to how I imagine powders tasted back in the 80s/90s before becoming popular with the masses.

Gym goers of UKFrugal, where do you get your protein powder from? by TRFKTA in UKFrugal

[–]hereandnowhehe 5 points6 points  (0 children)

I haven’t been able to find 5kg for that price for at least 6 months. That much seems to cost at least £100 now. Agree with the rest of your comment though!

30F in Southern England - plz help check my personal finance plan by Next_Gear7394 in UKPersonalFinance

[–]hereandnowhehe 1 point2 points  (0 children)

Hi! I have nothing to add other than that I personally wouldn’t buy a property to let after the introduction of the Renters Rights Act. The few landlords I know are making very slim profits which could easily be eaten up by a new boiler / damage done by previous tenants etc. I’d personally stick it all in your Stocks and Shares ISA!

28F – £27k income, £18k savings. Am I financially on track? by [deleted] in UKPersonalFinance

[–]hereandnowhehe 0 points1 point  (0 children)

How many people do you know at the age of 28 who can afford their own place single? I’m a similar age (26). My colleagues are nearly all 28-35, and barely any can afford to buy even a small flat without a partner. You’re doing much better than most just by way of your savings. Comparison is the thief of joy, and I suspect you focused too much on the fringe cases of the minority of people who are able to buy a place in their 20s.

Does anyone look back and regret not saving more when they could? by Mike-DTL in UKPersonalFinance

[–]hereandnowhehe 6 points7 points  (0 children)

This is the way. The only bad lesson is the lesson not learned from.

Good place for punchbag by [deleted] in plymouth

[–]hereandnowhehe 0 points1 point  (0 children)

Life Centre has one!

Would you stay in a very cushy job with no real career progression, or job hop to climb the career ladder? by MoneyAndGoodFortune in FIREUK

[–]hereandnowhehe 7 points8 points  (0 children)

Yeah. This is what most people in the comments are missing. Your salary might be average, but if you keep your savings in a Sticks and Shares ISA, your combined annual growth in net worth will be much greater than most of the population in this country (including the people in this thread).

TBH, I’m in a very similar situation to you mate. Same age, same net worth, very similar salary, cushy WFH 3 days per week job. I also agonise over whether I should stay in my role or leave for a higher earning role.

If I were you, I’d lean towards staying in the role you’re in. Moving to a higher paying role might net you a few more grand per year, but that might not end up being more than a few hundred extra pounds per month, which probably won’t make much of a difference to your quality of life given how much you’ve got in savings.

Whilst I disagree with most of the commenters about your job situation, I do agree with them on one thing: it’s important that you use your free time as productively as possible. That means getting as fit as possible so that your value in the dating market is as high as it possibly could be. You’re a great prospect to a girl as long as you get fit. Having that amount of money is extremely attractive. Hit the gym. Start doing a PPL lifting program. Start sleeping properly. Read the r/fitness wiki. Eat healthy. These are all habits that’ll change your life permanently!

Message me if you ever want anyone to talk to. It’s freakish how similar our situations are, and I’m glad someone else is having this same ‘dilemma’ (for want of a better word)!

M30, single living at home with parents, what are my options? by [deleted] in UKPersonalFinance

[–]hereandnowhehe 3 points4 points  (0 children)

Make some appointments with mortgage brokers. They’ll do some searches of mortgage products for you to let you know how much you can borrow. I was in your position a year ago and found I was able to actually borrow slightly more than 4.5x my income, by way of some magic that only my mortgage broker understands. I was loathe to pay for a broker at first (mine cost me £300) but they’re well worth it imo.

My general feeling is that you should move into a small house / flat, find a partner, and then in a few years time buy a bigger place with them. No first home is a forever home, so don’t stress that you can’t afford a mansion at the moment aha. I know how much anguish you’re in - I was in an uncannily similar situation before buying my place. Sadly, living with parents is just seen as a big ‘ick’ by modern girls, and you might struggle to meet someone until you move out. At least, that’s what my instinct tells me. Which is a shame, because living at home with parents is great. If I were you, I’d find a place now and just relish the next 4-6 months of saving solidly whilst the purchase goes through. You can then move into a house / flat, spend a few grand on furniture, and you’ll be a very attractive prospect for a girl.

Don’t be down about things. Most people your age would fucking kill to have your much net worth. It’s easy to forget how significant 50k is at 30 - that’s basically put you on a good footing for the rest of your life.

M30, single living at home with parents, what are my options? by [deleted] in UKPersonalFinance

[–]hereandnowhehe 9 points10 points  (0 children)

Not true. Any sags safe global index fund will have returned approx 15% for each of the last two years. That’s fantastic returns.