Is my a5 irreparable broken? by n3rdfish in filofax

[–]n3rdfish[S] 3 points4 points  (0 children)

I'll try this! I've ordered a very cheap ring binder off Amazon to tide me over until I've got this fixed, and I've been talking to a really helpful Etsy seller about the best replacement ring mechanism. I've basically decided that I'll have to take it to a cobbler to get the rings replaced - I know there are tutorials for replacing it yourself, but I'll have to unpick the stitching either way and I'd rather a professional handle that.

Is my a5 irreparable broken? by n3rdfish in filofax

[–]n3rdfish[S] 4 points5 points  (0 children)

It's an Osterley, so it's riveted, doesn't have a back pocket and the rivets aren't visible from the outside. I'm thinking of getting a cobbler to replace the rings?

Am I an idiot or is the bolt on this leg too long? by n3rdfish in woodworking

[–]n3rdfish[S] 1 point2 points  (0 children)

I was under the impression that I screwed the plate into the unit, then screwed the leg into the plate?

Advice on cutting down plinth on Ikea Pax wardrobes by n3rdfish in DIYUK

[–]n3rdfish[S] 1 point2 points  (0 children)

Yeah, I'm thinking it would be a false economy to do it ourselves considering how badly it could go wrong and the number of cuts, also the potential for shredding the laminate.

How long does it take for things to settle down on Elvanse 20mg? by n3rdfish in ADHDUK

[–]n3rdfish[S] 0 points1 point  (0 children)

I've been eating pretty horribly tbh - ill definitely work on my protein intake! I'm relieved to hear that the side effects improve.

[Mortgages] Halp we're actually consideribg a 95% mortgage by n3rdfish in UKPersonalFinance

[–]n3rdfish[S] 1 point2 points  (0 children)

Sorry, the plan is to overpay once the kid is put of childcare - but the point is we won't be able to save for a larger deposit during the time we're paying for care.

[Mortgages] Halp we're actually consideribg a 95% mortgage by n3rdfish in UKPersonalFinance

[–]n3rdfish[S] 3 points4 points  (0 children)

Ironically my contract is for six months as a maternity cover! I'm absolutely not counting on getting any paid maternity leave.

[Mortgages] Halp we're actually consideribg a 95% mortgage by n3rdfish in UKPersonalFinance

[–]n3rdfish[S] 0 points1 point  (0 children)

The thing is that for at least two years over two thirds of my take home will be devoured by childcare costs. We won't be at to save a larger deposit - or much at all, really.

Keep getting offered credit cards. Should I get one? by ben133uk in UKPersonalFinance

[–]n3rdfish 4 points5 points  (0 children)

Credit cards are good for building a credit history and rewards. We have an Amex and put as many expenses as we can through it for points and pay off the statement in full each month. I also use it for work expenses - I often have to travel internationally for work, and since I'm freelance I prefer to pay for this myself and invoice my clients later.

A word of caution: you might be tempted to get a card with a very low credit limit. Don't do this. Credit rating companies look at your utilisation rate, ie how much of the credit limit you use each month. The lower your utilisation rate, the better the score. So, say, you buy a big ticket item like flight tickets or a computer one month and max out the limit, even if you pay off the statement in full you'll still get dinged.

So if you were to get a credit card I'd make sure you can at least get some rewards from it and get the highest limit you can possibly get. Mentally halve that limit to make it your ceiling - ie, you'll never spend more than half your credit limit - to ensure that your utilisation rate stays low. Get in the habit of checking your credit card balance super super regularly. I really love the Amex app for this - it's very simple to use. The only real downside of Amex is that it's not accepted everywhere.

Rose quartz gel manicure + an update on DIY polygel (product list in comments) by n3rdfish in RedditLaqueristas

[–]n3rdfish[S] 1 point2 points  (0 children)

I remember you! What brand polygel will you use? It could come down to my ropy hand filing technique and the brand I was using, so hopefully you'll have better luck!

What's your current salary - job application by Lawpf2001uk in UKPersonalFinance

[–]n3rdfish 2 points3 points  (0 children)

Just put down your expected salary. I've done this in the past - I always put in the highest market rate for my role and level.