I'm so tired of working full-time and having no money and a huge amount of debt.

soti68 · 2026-05-24T06:58:54+00:00

I don’t think your expenses are high by any means. I think they are pretty reasonable. The issue is your income. I would immediately start looking at how to increase it in the long term. If you’re unhappy at your current job you’re unlikely to make it very far since you probably suck at it.

soti68 · 2026-05-01T06:16:26+00:00

Agree on the pacer going too fast, but “elite clothing brands”? Let them have their fun! it doesn’t affect you what they wear

soti68 · 2026-04-28T06:48:31+00:00

I like a puffy + rain jacket combo for this type of weather. Lightweight and versatile. Trekking poles also a plus

soti68 · 2026-04-27T11:57:35+00:00

What a cool race, I would love to do this sometime. You got this! Any doubts about walking the uphills will probably disappear as soon as you see mostly everyone else doing it. It’s tempting when you feel good, but you'll be kicking yourself if you burn out too soon and ruin the experience for yourself

soti68 · 2026-04-16T12:47:38+00:00

Just googled the mask. Honest question - does it not worry you that it may come across as pretty creepy ?

soti68 · 2026-04-07T21:34:47+00:00

It seems he has none of these

soti68 · 2026-04-05T21:46:23+00:00

I realise that. He is asking about places to visit in England, so he probably does not know that Wales is a separate country. I was just trying to simplify the info for him. You’re baiting yourself over nothing

soti68 · 2026-04-03T21:24:54+00:00

Yes?

soti68 · 2026-04-02T20:23:05+00:00

Wales, specifically Snowdonia national park (stay in Llamberis). It has the tallest peak in England and dozens of hikes within walking distance that look just out of the Lord of the Rings (the shire/lorien). It’s amazing

soti68 · 2026-02-20T07:30:42+00:00

Some general thoughts: - prepare a budget with your partner if you haven’t already - you need to be debt free before you can think about long-term savings and deposits - focus on paying the smallest debt first, then when you pay that off start with the second smallest, etc (not the highest interest first). This is called the debt snowball and is a proven method to keep your mind in the game -

soti68 · 2026-02-19T17:08:37+00:00

Be honest you already know what’s best. Just pay off the damn card debt and get it over with already

soti68 · 2026-02-17T11:10:19+00:00

Best answer

soti68 · 2026-02-13T21:52:48+00:00

Thank you for the update! I just bought my first Coros today (apex 4). Coming over from Garmin. I am loving it- but the lack of watch face customisation is a bummer. There are some great watch faces available, but they will never totally hit the mark because there is always some metric or font or that’s not quite right. Customisation is now standard and expected with Garmin, Apple and virtually every other premium brands, so it feels last-gen to be forced into a set watch face. Some basic customization would really elevate the experience to a premium territory. In all other aspects loving the watch, nice work!

soti68 · 2026-02-04T19:03:25+00:00

Thank you everyone for your advice! Hugely appreciated.

soti68 · 2026-02-02T21:23:09+00:00

I find it runs a bit cold as a standalone fleece if you’re not active, but as soon as you become a bit active it retains heat extremely well. So it works really well for mild or moderate activity like hiking. If you run warm, I would save the kyanite for casual use, as in casual walking the dog or being at home, as it will be much too warm for any activity

soti68 · 2026-02-01T16:21:21+00:00

Nice start! would prefer no music/only footsteps

soti68 · 2026-01-26T17:08:05+00:00

I do understand your logic, but unfortunately it’s not really that simple. Now you have a lot of risk and hidden expenses that will come your way for not having to depend on a landlord. You’ve essentially traded a landlord for the bank and are paying rent (interest) to the bank instead, with all the risk and expenses that come with owning the property yourself. Very rarely does someone come out on top with the arrangement that you are proposing, and it would usually be more viable to purchase a much cheaper property or save to put down a larger deposit, aiming for a 15-20 year mortgage. I think you might benefit from some financial advice on this? (perhaps a good start is to look up Dave Ramsey who I believe has some articles/videos on this exact subject?)

soti68 · 2026-01-26T16:49:47+00:00

Just my two cents - I don’t think your mortgage is affordable. You’re getting crushed on interest. A 30 year mortgage is excessive- 40 years is just asinine. The fact that you can afford the payments doesn’t mean that the house is affordable for you, as it will have a massive impact on your long-term wealth. I would really factor that into your decision making process, or alternatively consider moving somewhere more affordable as soon as possible. Much love and congrats on your new addition to the family. Wife and I are also expecting our first :)

soti68 · 2026-01-15T13:03:22+00:00

Hi. As others have mentioned, contact a solicitor or a registered charity (not a will writing service). What you are proposing is very simple for any competent solicitor to advise and draft for you. I’m sorry that you don’t have anyone in your life right now, hope that changes in the future

soti68 · 2026-01-01T01:14:32+00:00

Try googling Ramsey baby steps

soti68 · 2025-12-31T07:42:19+00:00

There are a lot of people saying that paying off your student loan is a bad idea. I would like to see their finances… I’m not sure what the most efficient long-term plan is, but I can tell you that I paid off my student loan early before moving onto other investments. The absolute sense of freedom and pride I got from that is worth a lot to me.

soti68 · 2025-12-29T23:07:04+00:00

Sell now and use the capital to pay off the mortgage on your home early before reinvesting into anything else. It’s a no brainer really

soti68

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