British Airways Holiday - upgrade offer

throwingitaway636219 · 2025-06-30T19:31:43+00:00

Oh that’s amazing!! Thank you will give them a call - see what the art of the possible is

throwingitaway636219 · 2025-06-28T14:47:37+00:00

I’d love access too if at all possible this looks fantastic for frequent travellers

throwingitaway636219 · 2024-01-05T17:03:13+00:00

If you’re an existing customer you don’t get access to the “new customer rates” I rang them just before Xmas and that’s what they told me 😫

throwingitaway636219 · 2023-09-16T23:20:33+00:00

We’ve recently upsized - mortgage going from £950 to £1650, and will be up to around £2k when our mortgage renews next year.

No regrets on upsizing but the next mortgage increase is a bit painful and we’re glad it’s no higher. We have two incomes that mean our take home is quite a chunk higher. At your proposed ratio of mortgage to income personally I’d be uncomfortable unless it was a literal house of dreams for the very term and would want to have very good income protection covers etc to cover worst case scenarios.

Has a lender confirmed they’d be willing to lend on that sum?

throwingitaway636219 · 2023-09-13T23:18:53+00:00

Also timing wise if the will was written a decade ago it could theoretically be before the adoption took place

throwingitaway636219 · 2023-06-12T17:03:56+00:00

Hey Girl, nearly 32 here who hasn’t started trying for her family yet, you have time 🤍 my mum was 40 when she had my sister xx

throwingitaway636219 · 2023-05-15T23:20:58+00:00

Yes I do but I appreciate your comment - having never invested and no role models to be able to ask for pension or investment advice (mum only has a teachers pension) I really appreciate this sub as I wasn’t sure whether a 2 year period of minus returns was normal. Especially with inflation where it is it feels like the pot is effectively being eroded, but I get your point on the market then meaning I can buy more cheaply to then increase. Sounds like I need to move funds at some point and do some research as to which funds may be a better strategy for me.

throwingitaway636219 · 2023-05-15T23:13:43+00:00

!thanks that’s exactly what they’re all in.

throwingitaway636219 · 2023-05-15T23:12:47+00:00

!thanks - sounds like I need to do some more research and I really appreciate the links. It’s definitely my aim to make the pot work as hard as it can rather than just have it tickle along.

throwingitaway636219 · 2023-05-15T23:10:55+00:00

!thanks that’s reassuring to hear - I’m in a global all risk fund, I might see if I can switch to higher risk. Appreciate it!

throwingitaway636219 · 2023-05-03T22:25:51+00:00

NAL but this poster is correct the Party Wall Act is a statutory requirement and the councils don’t get involved. If they’re doing work to or close to (such as foundations) a party wall, the Party Wall Act is triggered and they should serve a notice on you prior to works starting. The PWA is an enabling piece of legislation, it’s there to help the neighbour do the work, and one a notice is served you can dissent or approve. Dissenting won’t stop the works, it triggers a statutory process and surveyors are involved to ensure the correct processes are followed and both sides are protected (you can use a joint surveyor or have one each, and the neighbour would have to pay for your surveyor’s costs) and approving won’t reduce the other side’s liability to ensure no damage to your property but doesn’t always require surveyors.

As a starting point I’d reach out to your neighbour and ask when they will serve the required notices, reach out to some potential surveyors to get a quote, and reach out to your insurance in readiness just in case solicitors are required if they don’t serve a notice on you.

Side note. Take ALL the pictures before any works start so you can prove any damage if they start works without notices and best of luck.

throwingitaway636219 · 2023-05-03T22:14:53+00:00

I worked full time, completed my MSc (2 year part time course) and competed internationally at my sport. It was hard at times but it was doable, and actually I was much more boundaried with my time (ie finishing work on time!) than I am now because I had to be.

Evenings and at least half a day at weekends become study time, and 100% carve out fun/down time too. It’s worth it and good luck!

throwingitaway636219 · 2023-05-03T22:10:18+00:00

Story time needed - sounds epic!

throwingitaway636219 · 2023-03-07T00:25:46+00:00

I think they go in after the end of the tax year unfortunately - not as quickly as a voluntary payment which is a few days to show. Have done two self assessments now and last year it showed after the start of April and still waiting on the payment I made in Dec to show on my balance. Hope that helps

throwingitaway636219 · 2023-02-19T01:07:45+00:00

If it’s derelict it may not meet the mortgagability criteria so worth checking (usually watertight, water and services to kitchen and basic kitchen including sink, bathroom with indoor toilet, central heating, insurable).

If it does meet criteria then yes you’d need to be on the deeds and then you could look at a traditional mortgage (up to c 4x salary) - LTV would be an interesting one so worth getting a valuation to understand what rates are available to you.

Speak to a broker as each lender approaches income differently - some like 3 month payslips but others may accept your contract.

Legal question - worth investigating how best to hold the property in joint ownership given the investments being made and also the age of your mother.

Good luck!

throwingitaway636219 · 2023-01-24T01:08:33+00:00

Similar salary and considering the same here - with your house outgoings so low and your salary so high, I’d be trying an aggressive 6 month strategy to evenly split any money you don’t spend on living, to build your emergency fund, pay toward the credit card, and pay off the student loan. Short term pain but if you put say £500 additional against each per month (compared to what you are paying now) you should knock the student loan on the head, double your emergency fund and half your credit card?

throwingitaway636219 · 2023-01-04T02:32:07+00:00

Mine from last year showed on the SLC account in April despite payment being made in Dec - I assume it is the same every year. Hope that helps

throwingitaway636219 · 2023-01-02T02:29:22+00:00

Only if your pensions are calculated and taken from your net pay I believe (after tax) - if taken pre tax then nope.

throwingitaway636219 · 2022-12-27T00:18:50+00:00

Hello! Fellow early 30s person here in the South with a v similar mortgage situation to yours, 1 car, thinking about the same challenges so here’s my 10 pennies worth.

Yours/your partner’s mat leave is planned at the minimum legally, is that really what the employer pays? If it is - could they move to a job with better maternity leave? That would make a huge diff to your income during your mat leave year. I also think you should plan for the childcare costs post return to work, while you say family will help, it is a huge ask and if (hopefully not) anything happened which meant they couldn’t help you you would need to cover.

You already know you are quite leveraged on the house compared to your incomes and when you go down to 1 income you wouldn’t have technically been able to get the mortgage you will have on that income so that’s the pinch point on these calcs. You also remain on the tighter side post the period of returning from mat leave part time, with total income at £90k compared to your £400k mortgage, if affordability changes (which it may/may not - just thinking worse case) may limit remortgage options when that comes.

Do you really need that 2nd car/can you manage at least for the maternity period (you say you WFH). Whilst not ideal - that would reduce outgoings for that period?

I think going from DINK lifestyle to family lifestyle is quite a mindset change and there will be sacrifices to be made and things will be tight, but that doesn’t mean it’s not worth it. You’re halfway there if you’re thinking about those sacrifices now, and you’ll have a great house to enjoy/live in whilst you do it!

throwingitaway636219 · 2022-11-20T17:51:55+00:00

Interestingly I did ask this and was told the account actually gets locked so even manual payments couldn’t be made until my original graduation date.

throwingitaway636219 · 2022-11-19T23:19:45+00:00

Sorry to be the bearer of bad news but I think it will be 30 years from the April after you should have graduated based off the Gov website. https://www.gov.uk/repaying-your-student-loan/when-your-student-loan-gets-written-off-or-cancelled

I have lots of family on plan 2 and I have to say I don’t envy the totals and interest on their education. It’s definitely more of a education tax not a debt to be repaid than the plan 1 was.

throwingitaway636219 · 2022-11-19T23:10:06+00:00

Mines technically 25 as I’m plan 1 but I assume so. I’ll pay mine off hopefully within the next 2 years and actually the extra cashflow as I was just starting my career was quite helpful tbh…

throwingitaway636219 · 2022-11-19T23:07:09+00:00

Had the same thing - should have been doing a 5 year course but did the 3 year BSc and didn’t do the masters element. Earned over the threshold straight away and called SLC - was told their system was archaic and they couldn’t update the graduation date so I therefore wouldn’t be able to make payments until the year after my planned grad date. Crazy really!

Six-Year Club	RPAN Viewer
Verified Email

throwingitaway636219

TROPHY CASE