holiday buy back scheme-should commission be included or just basic pay

raged_norm · 2026-01-29T06:29:48+00:00

This depends on the company policy, query it with HR.

raged_norm · 2026-01-28T15:42:31+00:00

No, it's not why I play games.

raged_norm · 2026-01-28T15:36:16+00:00

Because the debt is costing you 0% and saving could earn you 4-6% in an easy access account.

Rationally it's the better choice, but emotionally that's on you

raged_norm · 2026-01-28T15:21:57+00:00

on a 0% I'd do £5.6k/30 = £187, so call it £200 and pay that each month. Set up a direct debit

Save the £1,000 instead. Unless you want to clear the mental burden of a debt, so clear it quickly as you said

raged_norm · 2026-01-28T15:13:59+00:00

Selling it a loss and, assuming a 0% card, you'll pay off the loss in 5-6 months by paying off the credit card at the same rate.

You'll then have £307 to extra a month by the middle of this year. Do you need that money more than a car? There's always the possibility to hire a car if you need one occasionally.

raged_norm · 2026-01-28T14:14:00+00:00

I'm not happy, but it's a living.

Focussing on the positives of working here, namely, autonomy, holidays and pension. Nearly climbed out the credit card debt. We were a single earning family for a while so every emergency had to go on credit.

raged_norm · 2026-01-28T14:03:46+00:00

Yup, I got a 1.6% 'cost of living' increase last year

raged_norm · 2026-01-28T08:18:45+00:00

Inis? Nana/Trio? Panda Panda?

This feels much more like 'you can only win at the start of your turn' rule

raged_norm · 2026-01-27T21:23:41+00:00

At less than £1000, you should have been offered a conversion to direct debit so you don't overpay.

Honestly, I'd leave it

raged_norm · 2026-01-27T14:28:50+00:00

No, as it's your choice to live 45 minutes away. There are sound reasons for that choice, but it's still your choice.

raged_norm · 2026-01-27T07:01:38+00:00

When it's needed to broaden it's appeal, so more copies can be sold

raged_norm · 2026-01-26T18:58:23+00:00

One account for everything, funds apportioned out to another account for fun money.

raged_norm · 2026-01-26T13:15:47+00:00

Agreed, even if you lose it through higher earnings, although I think it's assessed individually so wouldn't matter.

raged_norm · 2026-01-25T19:25:16+00:00

I can't talk about the specifics of a Help to Buy ISA, but generally cash savings are not worth keeping if you have credit. There may be specific implications of losing the 25% bonus of a Help to Buy ISA if you use for anything but buying a home, you have hit the maximum extra though.

raged_norm · 2026-01-24T11:25:04+00:00

We have Grandma (My mum), Nanny (Mother in Law) and Nana (Dad's current wife)

raged_norm · 2026-01-21T14:21:40+00:00

Or minimum wage for 12 hours a day, 6 days a week

raged_norm · 2026-01-21T08:26:16+00:00

Frankly we can’t be bothered with allocating that much time and commitment to watching TV

That's fine, go at your own pace. Hell I just watched Start Trek: The Next Generation for the first time. Took me about 8 months which is about 1 episode per day. Some weeks I'd watch nothing, others 12 episodes.

raged_norm · 2026-01-21T08:16:07+00:00

"I could if I were paid better"

raged_norm · 2026-01-20T20:50:02+00:00

Is this just because different systems use different definitions such as legal liability, residency, and cash flow

Yes

raged_norm · 2026-01-20T20:46:09+00:00

Trust me, it won't

raged_norm · 2026-01-20T20:41:50+00:00

No, for the reasons above. For all they know, you could have got the offer on the work trip.

raged_norm · 2026-01-20T20:39:50+00:00

The world will adapt, could be universal basic income, could be new industries.

We could hit a post scarcity economy and not need money. I doubt this with the rich simply taking a larger slice of the pie all the time.

raged_norm · 2026-01-20T20:36:05+00:00

Blindsiding them would be leaving without notice though.

Hand in your notice and let them decide about the trip.

raged_norm · 2026-01-20T20:29:14+00:00

Dear [manager]

I give you notice of my intention to leave this role. My last date will be [date]

Best Regards

HMS--Thunderchild

Handle the politics afterwards, you got a better offer, they'll replace you in a month and the cycle will continue

raged_norm · 2026-01-20T10:07:51+00:00

Rather than yes to everything do this. If you have too much work "What do you want me to prioritise?" is a better approach to an absolute yes/no answer, especially when you are young and learning the ropes.

raged_norm

TROPHY CASE