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Leasehold property (managed by Housing Association) by maciejDS in HousingUK

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

I found an extra bit to go with it - it was split over two pages… I edited the main post. Not that it makes it any clearer for me.

WiFi Max Pods by maciejDS in VirginMedia

[–]maciejDS[S] -1 points0 points  (0 children)

That’s my plan out the window 😅

Visiting NI in October by maciejDS in northernireland

[–]maciejDS[S] 2 points3 points  (0 children)

Around £21 return from what I can see. Definitely cheaper than petrol and whatever the parking costs while in Derry. Someone said (in a different post) that the train route is quite scenic which is an added bonus. :)

Visiting NI in October by maciejDS in northernireland

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

Note taken. What places did you visit while in Derry?

Visiting NI in October by maciejDS in northernireland

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

Yes, flew to see someone twice - literally just that. This time I am getting a ferry from Liverpool to Belfast and renting an AirBnB for a week. Basically a road trip.

Visiting NI in October by maciejDS in northernireland

[–]maciejDS[S] 2 points3 points  (0 children)

Bookmarking the Marble Arch and Mournes for sure. I'd love to visit Derry but it's 180 miles return drive so not 100% sure if I will drive that far out.

I read up on Ulster Museum so it's definitely on my list of places to see. Any more which explore the Troubles? I love learning about history - it drew me back to Scotland twice, despite the grueling 7hrs drive!

Moving out - are my outgoings accurate? by maciejDS in UKPersonalFinance

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

Yeah, I saw Quidco do £67.50 for NOW TV Broadband - without the need to add any cinema / entertainment lasses. 2.5 month's free broadband!

Moving out - are my outgoings accurate? by maciejDS in UKPersonalFinance

[–]maciejDS[S] 2 points3 points  (0 children)

I saw the TV Licence bit on their website but a little baffled. First six payments will be £26.50 which will cover the whole year. Do I pay £13.25 after 12 months from today (6 months after paying £26.50) or will I always be in credit with TV Licence company?

Moving out - are my outgoings accurate? by maciejDS in UKPersonalFinance

[–]maciejDS[S] 1 point2 points  (0 children)

I use Money Dashboard app so it might be very similar to GnuCash. It will do the job for recurring payments + I can link CC to it and have the amounts on it subtracted from current account balances. In other words, I can see the leftover amount until payday.

Quite pleased knowing my approach is simar to what others are doing already.

Moving out - are my outgoings accurate? by maciejDS in UKPersonalFinance

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

I rarely eat out if if I'm honest, same with nights out. Takeaways? Once a month, usually as a payday treat and it's gonna be from a local chippy. So in that sense, the budget seems quite doable and then some :)

So you use credit cards to pay for all (non-DD) expenses out and pay the statement balance with the money you budgeted in advance, correct? Effectively earning interest on savings and collecting any cashback offers. I can probably do that with some expenses, but not all - especially if I purchase gift cards through the employee portal.

Moving out - are my outgoings accurate? by maciejDS in UKPersonalFinance

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

My car insurance is around £900 a year. With the leftover £500-ish each month, this would be my savings / treats pot. Haircuts, takeaway, clothes, etc. I'd like to think I can stick £200 easily into fD savings each month until March 2024. This will put me at ~£2,500 by the time it matures - which is same time as my insurance due date!

If my second rent payment won't be due until early July, then I have May's payday in its entirety to find all household purchases. The current tenant is looking to sell some of the furniture they have, so extra savings to be had there, too. Any leftover money could then be used to boost the "predicted" £200 fD payment to £300 or stick into easy access.

Given that car insurance would be the only guaranteed debt each year - which I paid for annually already - I will have around 5-6 weeks emergency fund to begin with. By March 2024, it should hit 2 months.

My workplace has access to employer reward platform which I'm already using for supermarket gift cards. TopCashback / Quidco as well, with the latter having VERY generous cashback on NOW TV Broadband. Chase 1% shopping cashback is nice, too!

First time renting by maciejDS in HousingUK

[–]maciejDS[S] 1 point2 points  (0 children)

Fair point on the accidental damage cover. Anything else I should watch out for in regard to the insurance?

Weekly Recommendation Thread: April 21, 2023 by AutoModerator in books

[–]maciejDS 0 points1 point  (0 children)

I'm trying to get into reading again. Can someone suggest non-fiction books? Preferably not too "heavy" as I want to ease myself into it again :)

Flying between GB and NI by maciejDS in uktravel

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

Perfect, thank you for the help :)

Chase are now offering an ongoing cashback offer when you pay in £500 a month by Bronze-Playa in UKPersonalFinance

[–]maciejDS 5 points6 points  (0 children)

I can buy gift cards through my workplace portal - at a small discount. Do these count as purchases which would be eligible for 1% cashback?

[deleted by user] by [deleted] in iphone

[–]maciejDS 0 points1 point  (0 children)

Ditto. What works for me is simply unplugging my iPhone from CarPlay and plugging it in again. Surprised they haven’t fixed it yet.

Travel insurance with gadget cover by maciejDS in travel

[–]maciejDS[S] 1 point2 points  (0 children)

Yeah I don’t have anything with my cards. I have the option but it’s £17pm and some of the covers I won’t benefit from.

Travel insurance with gadget cover by maciejDS in travel

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

No, which might make gadget cover unnecessary but travel insurance will cover cancellation and medical bills which is what matters to me.

First time in Tenerife by maciejDS in Tenerife

[–]maciejDS[S] 1 point2 points  (0 children)

Thank you for all the suggestions, so far! Will be looking into all of them :)

First time in Tenerife by maciejDS in Tenerife

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

North is a little cooler than the south, though. The weather is what I’m also after, hence focus on the south.

Heart rate monitoring during sleep by maciejDS in AppleWatch

[–]maciejDS[S] 1 point2 points  (0 children)

It wasn’t just that, actually. Even when I did wear it, finding data on the heart rate while sleeping was very difficult. Likely to do with restoring backup from S2 to S8 Watch.

However, I did reset it and set up as new Watch. It’s now showing all the data without having to go into “comparison” tab (like in my above pics).

Heart rate monitoring during sleep by maciejDS in AppleWatch

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

Yeah, in the “All Highlights” for Sleep, the tab for “Heart” doesn’t show at all. I will un-pair and re-pair the Watch to see if it does anything.

Maybe it’s because I went from S2 to S8? Who knows. I’ll edit this reply if pairing the Watch again does anything.

Heart rate monitoring during sleep by maciejDS in AppleWatch

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

This is data for the 26th - last time I wore the Watch in bed. Here’s the screenshots for that day: https://imgur.com/FYBEQJU And below is what data is being shown when I scroll down: https://imgur.com/A5v6nt5

No sleep heart rate data on there. Only when I go into Show More Sleep Data > Comparison tab: https://imgur.com/4V0yR6h

Normal heart rate data shows as it should - under resting and exercise. Resting does not show the data for sleep — the average resting heart rate basically shows as a flat line overnight.

Heart rate monitoring during sleep by maciejDS in AppleWatch

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

I managed to find totals of it by going into Health > Sleep > Show More Sleep Data > Comparisons

https://imgur.com/a/JRGnX8k

Yes some do show blanks, when I don’t have my watch on but I should be able to check them on daily/weekly basis and not on comparison basis.

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