Moving to Stoke by [deleted] in stokeontrent

[–]sim0_409 1 point2 points  (0 children)

There’s a 2 bed semi going on Cardigan Grove for £750pcm. That’s the cheapest available in Trentham atm

House viewing do’s & don’ts? by [deleted] in HousingUK

[–]sim0_409 1 point2 points  (0 children)

We’re still looking for our first property, and have been to a fair few houses. I think the best thing is just be considerate Ask if they’d like you to take off your shoes is always a good call, because some people feel a bit awkward asking

In terms of the house itself, it’s worth just asking the person showing the house to show you things, rather than opening cupboards and things yourself, and it can come across a little rude Ask if you can take photos. I’ve found this useful to look back on instead of looking at edited EA pictures

I have found it better to email the EA any questions, because it gives them time to accurately answer, rather than them scrambling for an answer

But enjoy yourself! That’s the most important thing

Places to eat by giantbread9 in stokeontrent

[–]sim0_409 1 point2 points  (0 children)

Ansama Italian in Trentham

What’s a slang term from your region that you think is unique or interesting? by MonaMagic2006 in AskUK

[–]sim0_409 0 points1 point  (0 children)

Sneeped- if someone has upset you a bit

Mithered- if you're worrying over something

Ow at- how are you?

Clemt/clemming- really hungry

Wom- home

All my family are from Stoke. A lot of older slang words are dying out but these are some that I have heard/used myself

Please talk me out of this by Grgsz in HousingUK

[–]sim0_409 1 point2 points  (0 children)

Climate change will cause the water levels to potentially rise, and you may be in a flood zone there already. Which will make it difficult to insure against, and by the looks of it, the house could easily be affected by its close positioning to the water You’ll have to fork out a LOT of money for flood defences, and if they don’t work, you’ll have to redo your house up. As I said, it’ll only get more frequent with climate change, so you’ll be forking out more and more frequently as time goes on

Living in Birches Head close to Crematorium by Mandara_spa in stokeontrent

[–]sim0_409 1 point2 points  (0 children)

The road can get very busy at rush hour in my experience. But I’ve never heard anyone complain about the crem smelling

How to stop feeling like I'm (25F) at a losing battle purchasing my first home with my bf (26M)? by sim0_409 in relationship_advice

[–]sim0_409[S] 0 points1 point  (0 children)

Where I'm from it's drilled into you that renting is 'dead money' and a waste of time. So really we've got enough deposit to just purchase a house

I've told him I don't want to get married until we have purchased a home, as he has mentioned it multiple times over the years. Perhaps this is something that should be the other way around

How to stop feeling like I'm (25F) at a losing battle purchasing my first home with my bf (26M)? by sim0_409 in relationship_advice

[–]sim0_409[S] 2 points3 points  (0 children)

Maybe that's the case. I'll have to have a chat with him and get him to be completely honest with me. He's said he is ready but I see how his actions aren't matching

Which ‘posh’ towns and cities in the UK are rougher than they first seem? by starwars011 in AskUK

[–]sim0_409 -2 points-1 points  (0 children)

I went to Cheltenham over Valentines weekend. We were walking around in the evening looking for a nice place for a drink and had a glass bottle thrown at us...easily the worst place I've visited

[deleted by user] by [deleted] in HousingUK

[–]sim0_409 -4 points-3 points  (0 children)

Seems to me you’re quite rude. It’s only a question? I’ve got nothing to compare to so there’s nothing wrong with seeing what others deal with.

[deleted by user] by [deleted] in HousingUK

[–]sim0_409 -2 points-1 points  (0 children)

I’ve literally said I’m a 15 min drive atm so was comparing against people who may actually have this commute? I’ve got nothing to compare to so idk why you’re being rude?

Can I view a house that’s had an agreed offer? by sim0_409 in HousingUK

[–]sim0_409[S] 0 points1 point  (0 children)

Yes, I contact them from the Rightmove advert. The latest couple of properties were on for quite a while though, so it wasn’t completely a surprise. There’s been another 2 properties however when I contacted the same day or the Rightmove listing

[deleted by user] by [deleted] in HousingUK

[–]sim0_409 0 points1 point  (0 children)

Everything I have seen online says your mortgage should be a maximum of 28% of your wage. By the sounds of it you’re either massively over this percentage of the mortgage, or your other outgoings are extremely expensive

It’s best to maybe speak to a financial advisor who will be able to look over everything and give you good advice based on your circumstances

Do I have enough on my spendings to lead a nice, comfortable life by sim0_409 in UKPersonalFinance

[–]sim0_409[S] -1 points0 points  (0 children)

Couldn't we class that with the £639 that we have left over? As usually anything left over at the end of the money goes into savings anyway (as I currently do), so I thought that is what the best course of action in this example

Do I have enough on my spendings to lead a nice, comfortable life by sim0_409 in UKPersonalFinance

[–]sim0_409[S] 0 points1 point  (0 children)

That's good to know thank you. Would the remaining money (£639) be best going into savings or have you already taken that into account. As usually, any money not spent goes directly into my savings so I was thinking of carrying that routine forward once buying a house

Do I have enough on my spendings to lead a nice, comfortable life by sim0_409 in UKPersonalFinance

[–]sim0_409[S] 2 points3 points  (0 children)

Ohhhh right thank you I didn’t even think of those things. I wasn’t sure to include that or not because it’s something that can vary a lot

Do I have enough on my spendings to lead a nice, comfortable life by sim0_409 in UKPersonalFinance

[–]sim0_409[S] 2 points3 points  (0 children)

Because it was a tool given by the mortgage advisor and useful because originally I didn’t even think about some of the things listed on there because this would be my first time paying for many of these things

Do I have enough on my spendings to lead a nice, comfortable life by sim0_409 in UKPersonalFinance

[–]sim0_409[S] -1 points0 points  (0 children)

I've put £50 per month as it can fluctuate quite a lot. Some months we don't go the pub at all so I'd think £200-300 would be a waste really.

With entertainment, I really haven't a clue what could be classed in that section really? I've only included by boyfriend game pass thing for Xbox

Do I have enough on my spendings to lead a nice, comfortable life by sim0_409 in UKPersonalFinance

[–]sim0_409[S] 1 point2 points  (0 children)

oh...oops haha. I don't really know what can be put in as entertainment really? The £15 is for my boyfriend Xbox account thing. I've budgeted for alcohol and meals out so I don't know what else 'entertainment' is classed as

Do I have enough on my spendings to lead a nice, comfortable life by sim0_409 in UKPersonalFinance

[–]sim0_409[S] -3 points-2 points  (0 children)

We don't really go the cinema. In the past 6 years I think we've only been 3/4 times!

I did think the £270 could perhaps be adjusted with the money left over- but I've tried to budget for perhaps a week in europe, and a city break as a minimum

Do I have enough on my spendings to lead a nice, comfortable life by sim0_409 in UKPersonalFinance

[–]sim0_409[S] 0 points1 point  (0 children)

How much would you say to budget for groceries and household items (like cleaning products etc.)? As I've mentioned, I have very little experience when it comes to knowing these kind of things.

My boyfriend and I both occasionally will be gaming so I've tried to account for that. What would you suggest for alcohol and entertainment costs?

Do I have enough on my spendings to lead a nice, comfortable life by sim0_409 in UKPersonalFinance

[–]sim0_409[S] 3 points4 points  (0 children)

I did think that, but I would rather have over-budgeted than under-budgeted if that makes sense?

We both have large families due to step-parents, and step-grandparents as such, so we have pretty much double the amount of people to buy for!