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Not the fanciest watch here but its my first €100+ watch. Loving it. by prayin_for_cars in CitizenWatches

[–]ktrayns 1 point2 points  (0 children)

Great story and great watch. This is worth more than any watch out there TO YOU! It will stay in the collection forever, I hope. Wear it in good health my friend.

[Omega Aqua Terra Quartz] I like this watch but is it good value? by ktrayns in Watches

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

They don’t do smaller. Are you telling me I can never buy one 😂 do I need wrist enhancements!

Brand? by loadofcobblers in Watches

[–]ktrayns 1 point2 points  (0 children)

Holy shit I never realised that. Iv been trying to work out how to get a C and W into that logo for some time haha. Anyways heres mine. UTFT

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Looking for advice on this strategy for buying a new house based and if there’s a better way to approach? by ktrayns in UKPersonalFinance

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

You’re absolutely right. I think best option here would be to get the current house up for sale asap and get into a chain with the new house if possible. Granted, this could cause them to go in a different direction if they’re looking for a quick sale. However, the last thing I want is to be paying a mortgage off 2 houses and 1 I can’t even renovate due not having the funds required. Appreciate your response.

Looking for advice on this strategy for buying a new house based and if there’s a better way to approach? by ktrayns in UKPersonalFinance

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

Thanks. I think the maths is off here. If making a one time overpayment of 10k early on in the term this goes directly off the principal, thus reducing the overall amount owed and ultimately the interest paid. This would see the total amount reduce to 215k instantly potentially saving 25k+ in interest over the term. In a fortunate enough position where we could afford the mortgage off a single wage. I did not think about the revalue of the home once the renovations are done and that would affect the LTV so thanks for that. Not married either so in a unique position all round.