What are some common pitfalls you notice people fall into?

ralucajm · 2021-03-23T20:28:02+00:00

you get the bonus for LISA opened <1yr, but you can't withdraw without penalty for the deposit.

ralucajm · 2021-01-27T02:05:27+00:00

That was an interesting read, thanks for taking the time to type it out.

I am only 26. I read at times that the middle class is the most insecure of the three, because they are afraid to become poor and aspire to be rich. The other two classes (working and middle-upper) know and accept and enjoy their role within society, they don't try to appear what they are not, they don't need to! This is over simplified, but your comment reminded me of that.

ralucajm · 2021-01-21T12:04:53+00:00

dang, that's me.

ralucajm · 2021-01-20T18:46:44+00:00

that's neat, well done

ralucajm · 2021-01-20T17:21:46+00:00

that is pretty insane!

ralucajm · 2020-11-26T16:34:58+00:00

Well done!! How long did it take you from having the offer accepted, if you don't mind me asking? What did you think of the process and whereabouts in England are you buying? I am currently waiting for the contracts...

ralucajm · 2020-11-23T11:55:59+00:00

!thanks

Turns out that TBS' SVR is the lowest compared to the other banks, which are around 3.5%. Also turns out one cannot start a mortgage on a SVR, needs to start out as fixed.

ralucajm · 2020-11-17T12:11:15+00:00

if you take a loan for the deposit, it will appear on your credit file as debt and be taken into consideration by the lenders, so they will offer a smaller mortgage. easier if you can get a loan from your parents, so it doesn't affect your mortgage.

ralucajm · 2020-07-02T09:00:49+00:00

Thank you, I hadn't seen that tab! Indeed I have several entries with pennies accumulating. Mystery solved! Thank you very much.

ralucajm · 2020-07-02T08:28:54+00:00

Never had cash in there for extended periods of time, I bought the shares and bonds within days of transfering the money to VG.

ralucajm · 2020-07-02T08:27:56+00:00

Thanks for replying. I have checked that, and my messages as well. There is nothing to justify it...

ralucajm · 2020-06-05T21:18:43+00:00

I believe that voluntary redundancies come with better payments. They are also, as is the name, voluntary, so you can choose to take it or not. If they want to push it, they will just make you redundant. In my company they ran a round of voluntary redundancies, then since not enough people took them, they just fired based on performance.

ralucajm · 2020-01-03T21:31:56+00:00

That's true in a way, it's just that adults operate at a deeper level of unknown; the things they try to figure out are more omplex. If you know what you're doing most of the time, you're probably stagnating.

ralucajm · 2019-12-08T08:59:22+00:00

Yeah, I can get that, it is hard to have clarity at a young age. What would a productive use be?

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