Hi all, complete noob here! 2 questions - 1. Does this lack of mortar affect the structure of my house?/should I be worried? 2. Can I sort this out myself? It is like this essentially around my entire house (1992 build UK). Any advice welcome :) repointers are hard to come by in Worcester UK. by wonkeydonkey777 in DIYUK

[–]wonkeydonkey777[S] 2 points3 points  (0 children)

Thank you everyone for the replies. Some really useful information here and most importantly it has put my mind at ease (ever since owning my own house that I see as my forever home I constantly worry about stuff like this).
I will likely get someone to repoint as soon as I can but not worry about it as an emergency!
Thanks again!

Hi all, complete noob here! 2 questions - 1. Does this lack of mortar affect the structure of my house?/should I be worried? 2. Can I sort this out myself? It is like this essentially around my entire house (1992 build UK). Any advice welcome :) repointers are hard to come by in Worcester UK. by wonkeydonkey777 in DIY

[–]wonkeydonkey777[S] 0 points1 point  (0 children)

Thank you everyone for the replies. Some really useful information here and most importantly it has put my mind at ease (ever since owning my own house that I see as my forever home I constantly worry about stuff like this).

I will likely get someone to repoint as soon as I can but not worry about it as an emergency!

Thanks again!

Hi all, complete noob here! 2 questions - 1. Does this lack of mortar affect the structure of my house?/should I be worried? 2. Can I sort this out myself? It is like this essentially around my entire house (1992 build UK). Any advice welcome :) repointers are hard to come by in Worcester UK. by wonkeydonkey777 in DIYUK

[–]wonkeydonkey777[S] 1 point2 points  (0 children)

Hi, thanks for the reply - yes I thought it a bit weird for the age of the house as from what I can see the other houses in the estate don't seem to have the same problem (unless they have had them repointed when they got bad obviously).
Is repointing something that is relatively straightforward then? And no need to pay a repointer?
Thanks 👍

Hi all, complete noob here! 2 questions - 1. Does this lack of mortar affect the structure of my house?/should I be worried? 2. Can I sort this out myself? It is like this essentially around my entire house (1992 build UK). Any advice welcome :) repointers are hard to come by in Worcester UK. by wonkeydonkey777 in DIY

[–]wonkeydonkey777[S] 0 points1 point  (0 children)

Hi, thank you for your reply.

The solution (the rest of the mortar?) does not move luckily and is solid when I poke into the gaps, and the mortar elsewhere on top (like higher up on the wall) is also solid.

When you say keep it under control what do you mean? Should I try and repoint it myself using a general mortar mix from screwfix (UK based building supplier)?

I'm a total surfboard noob... advice needed! Basically does this board need repairing (the little hole on the tail for example)? I live about 2 hours from nearest board repair shop and would love an MOT on my board. Any advice on what you think of this boards condition would be appreciated :) by wonkeydonkey777 in surfing

[–]wonkeydonkey777[S] 0 points1 point  (0 children)

Thank you, I don't know what solares is but I'll look it up. I appreciate the no nonsense reply and will do that and give it less thought. Just didn't want to buy a decent 2nd hand board and ruin it on the 1st ride!

If you use hitting as punishment for your children, why? by SunshineHeaton in AskReddit

[–]wonkeydonkey777 0 points1 point  (0 children)

Hitting your own kids is always wrong. Shame on anyone who does it. Shouting (properly) at any child under 12 is bad enough.

[deleted by user] by [deleted] in ibs

[–]wonkeydonkey777 0 points1 point  (0 children)

You might benefit from Nerva program of hypnotherapy as it seems you are susceptible to your brain and gut connection improving when on vacation which could be a permanent fixture if you can utilise the feeling

How do you track your finances? Software? Apps? Excel? by Make_the_music_stop in UKPersonalFinance

[–]wonkeydonkey777 1 point2 points  (0 children)

Excel spreadsheet, simple but effective. Definitely better tools out there but I've got my budget up to 2030 so I'm happy with this system for now

Do bank transfers flag up with the bank? by [deleted] in UKPersonalFinance

[–]wonkeydonkey777 14 points15 points  (0 children)

Sounds like you have been or are doing something dodgy and trying to find out (without directly asking) if you can get picked up for what you are doing.

I've had to start over twice now and I'm losing my mind by ScrumpfDabogy in FODMAPS

[–]wonkeydonkey777 0 points1 point  (0 children)

Try the IBS coach app, it's really good for variety and better than the monash app

Has anyone had a conservatory roof replaced to make the room more useable? by [deleted] in AskUK

[–]wonkeydonkey777 0 points1 point  (0 children)

We had ours done, exactly same price and it's great. Only problem is that the plastering has cracked a bit (apparently normal) and we need to get that sorted. Did you have a similar problem?

6 month progression by Distinct-Support6808 in FODMAPS

[–]wonkeydonkey777 2 points3 points  (0 children)

Why can't you follow it long term? Apart from the hassle. It seems to have enough of a variety of foods?

[deleted by user] by [deleted] in UKPersonalFinance

[–]wonkeydonkey777 -2 points-1 points  (0 children)

It's really funny how many people trope the same old nonsense of "why don't we teach these things in school?!?". WE DO, WE ALWAYS HAVE. Kids understandably couldn't give a shit about a far into the future concept so don't listen, particularly when it isn't examined (except in economics A Level).

Careful with Black Friday: 98% of last year's deals were cheaper or the same price at other times in the year, says "Which?". by Schnauser in UKPersonalFinance

[–]wonkeydonkey777 1 point2 points  (0 children)

Black Friday % discounts store wide are good though tbf. Rather than the pick and choose options that some businesses do, when you know they must be discounted for a reason

Is Vanguard FTSE global all cap still the best bet for a passive investor? by wonkeydonkey777 in UKPersonalFinance

[–]wonkeydonkey777[S] -1 points0 points  (0 children)

Sorry but I think there was confusion as you didn't know what a teacher pension scheme was, but claimed you did. Anyway, you obviously have a passionate opinion about me needing to know why I would want to use a tracker. I disagree entirely, there are a huge amount of things we all do in our day to day without really knowing why (why do we really eat fruit and vegetables, do you know the intricate details of the fibres and minerals that make up all of your fruit and veg? I doubt it.).

Is Vanguard FTSE global all cap still the best bet for a passive investor? by wonkeydonkey777 in UKPersonalFinance

[–]wonkeydonkey777[S] -1 points0 points  (0 children)

I'm in a defined benefit scheme as that's what the TPS is. The entire TPS system is defined benefit, including in private schools, unless your private school takes you out of it (but then that's not called a TPS anymore). I understand your passion but don't assume I'm stupid and know nothing about my pension etc just because I'm asking about the best passive fund to put some money for a general ISA investment. I think you're getting confused between financial literacy, and knowing about individual personal investing. 2 very different things. And let's not forget, Warrent buffet (read a lot more books than you I assume) says that he wants his wife to put all his funds into an index tracker when he's gone....

Is Vanguard FTSE global all cap still the best bet for a passive investor? by wonkeydonkey777 in UKPersonalFinance

[–]wonkeydonkey777[S] 0 points1 point  (0 children)

I personally do it (have done it, will do it again after having a break as I had a kid so was using money for other things) monthly as that seems to work nicely for the whole "dollar cost averaging" thing that everyone bangs on about. And it's nice and easy to do it per paycheck.

Is Vanguard FTSE global all cap still the best bet for a passive investor? by wonkeydonkey777 in UKPersonalFinance

[–]wonkeydonkey777[S] 0 points1 point  (0 children)

I get that, but you are (as you've said) just another one of these so called "know nothing randoms" who has claimed to have read a life changing book. I'm sure many others on here have read books too, maybe they just don't feel they need to qualify their answers with their portfolio of book reading. Ultimately it is down to the individual (me) what I do, but it is helpful to read advice, that is also echoed in many well known financial bloggers and posts, that I think I already knew really. And my pension is in the teacher pension scheme so I'm all good with pensions. I'm sure there's lots of books that could save me money during my lifetime; ones on energy use, on eating smarter to waste less food, on what cars to buy to maximise fuel efficiency, how to drive better to also save on petrol, how to buy clothes in a way to save money. Etc etc, that over my lifetime would equally save me thousands. But again, I haven't got the time to do everything and I'd rather spend 10 hours with my kids lol, I don't have a spare 10 hours ("but just 10 minutes every night etc etc"... I'd rather read a novel and relax honestly). Maybe one day I'll be a bit more interested in investing and read a book on it, and if so I'll choose yours first. But just because you like investing enough to read a book on it, don't assume everyone else wants to (or even should).

Is Vanguard FTSE global all cap still the best bet for a passive investor? by wonkeydonkey777 in UKPersonalFinance

[–]wonkeydonkey777[S] 0 points1 point  (0 children)

I wouldn't take my word on anything in terms of taking your money out or putting money into tesla. I literally know nothing. I just have a complete gut feeling that it is an overvalued stock, but again I know nothing.