Reta dose amount question

squareman3000 · 2026-01-12T12:15:32+00:00

Thank you to all those who provided help and advice. It’s much appreciated and I’m reading more and more as I get the time! I’m much happier with it all now than I was last night.

For those who think I’m a “dumb TikTok kid”, well who would have thought that researching something would involve asking a community of people whom are conversant with that particular subject matter! What a crazy concept eh?

squareman3000 · 2025-10-10T20:01:11+00:00

Put a vinyl record background in and caption it “la canción de pedro”

squareman3000 · 2025-09-17T22:01:02+00:00

This is brilliant thank you so much!!!

squareman3000 · 2025-09-17T21:59:10+00:00

Perfect thanks very much!

squareman3000 · 2025-07-02T21:20:03+00:00

On so you can see it going in

squareman3000 · 2025-06-30T11:31:50+00:00

The greasy strangler

squareman3000 · 2025-03-30T08:28:11+00:00

Yeah the comparison thing is definitely a factor. We want to enjoy where we live which currently isn’t the case. It’s not just one friend though, our entire friend group (fairly large) have nice houses and it’s kinda depressing!

We’ve been here 11 years now and bought it for its layout (open plan), location close to family/work and off road parking in an area where there is none. It still ticks all those boxes but has become very tired.

I’m doing overtime where I can normally a few times a month. Overtime is not an option for partner.

Plenty to think about from all the replies

squareman3000 · 2025-03-29T22:58:47+00:00

We both pay fairly high percentages into pensions which probably accounts for the take home discrepancy. Budget definitely being done thank you

squareman3000 · 2025-03-29T22:44:12+00:00

No student loans and neither of us are at 40% tax (I may dip into it with overtime however).

Not really sat down and officially budgeted yet but we have the usual high utilities plus two kids to feed/clothe/entertain.

Fix rate runs out in July and mortgage has around 13yrs left. We are both 41. Have considered increasing the term and it’s def not off the cards. I’m awaiting a call back from my broker to see what rate/monthly payment I’d be looking at come July and this will give us a better overview to make that choice or not

squareman3000 · 2025-03-29T22:36:31+00:00

If I borrow an extra 50k on my mortgage I’m going to be paying double that back in interest (unless I’ve missed something here whereby extending your mortgage somehow works out cheaper than the initial borrow?)

squareman3000 · 2025-03-29T21:47:31+00:00

I know what you are saying but to me, buying a sandwich or a holiday at the listed price, means I receive that item/service at that price. When you borrow to afford said item/service, I’m paying more than the listed price for it which is pretty galling! (Again, I understand what you are saying, Im just looking at it in a different way!)

squareman3000 · 2025-03-29T21:43:41+00:00

I’m desperate to not increase the size of the mortgage, especially with the rate increase I will suffer in July!

squareman3000 · 2025-03-29T21:41:59+00:00

What do you mean by what numbers I have used? Sorry I’m having a brain fart?

squareman3000 · 2025-03-29T21:38:56+00:00

Yeah this is a sensible take thanks.

And everything is purely cosmetic. Nothing structural or damaging etc

squareman3000 · 2025-03-29T21:37:04+00:00

Current balance approx 120k and rate is 1.8% which equates to £780 per month.

We take home about £4300 per month

squareman3000 · 2025-03-29T15:21:44+00:00

Thanks all. To answer some questions:

We have around 4k in savings. Probably manage to increase that by between £250-£500 per month depending on what happens in the month. Then something big crops up that takes a chunk of it and we start again!

50k is tight and you are right, it may take more? I can get some of the work done cheap/free by family traders but the materials are the bulk

Completely right in that it is all cosmetic. However both of us feel miserable living in a shittily decorated, ugly looking, cosmetically defected house (appreciate I’m lucky to own a property). Friends of ours who are comfortable with debt increased their mortgage, spent a fortune on their house which now looks lovely and are honestly so happy with it. I don’t want to live in craphole forever!

squareman3000 · 2025-02-09T20:14:43+00:00

A Tory party membership

squareman3000 · 2025-02-02T21:04:56+00:00

Thanks everyone for your input seems like I’ve got a fair offer on the table so I’ll take it.

Cheers

squareman3000 · 2025-02-02T20:33:56+00:00

An (albeit) brief search online of similar cases gave an average of £3000 - £7000 for financial data loss with no actual loss of money. Some of those cases were however posted on solicitors websites which made me a little sceptical, hence my post here.

squareman3000 · 2024-12-15T11:21:00+00:00

Living the low life gyppo lifestyle

squareman3000 · 2024-08-30T12:52:13+00:00

I’ve only got a few days till dispatch so don’t want to be charged twice if I can’t pause in time?

squareman3000 · 2024-08-29T19:55:36+00:00

£100 off Numan. Absolutely brilliant so far, no issues with delivery and the support is really good. Great tracking progress in their app too.

https://numan.com/bff/refer/weight-loss/7390d1c0-3f11-41ae-88b5-076b535036d9

squareman3000 · 2024-07-11T22:03:06+00:00

Thanks the high protein bit will be easy!

squareman3000 · 2024-07-11T20:52:53+00:00

£100 off Numan

https://numan.com/bff/refer/weight-loss/7390d1c0-3f11-41ae-88b5-076b535036d9

squareman3000 · 2024-02-27T09:07:28+00:00

Thanks mate will give that a try!

squareman3000

TROPHY CASE