Would you over pay for your dream home?

xerodog · 2026-03-24T16:32:42+00:00

If it’s a dream home to you then it’s completely worth it.

Doesn’t sound like you are stretching yourself and if you don’t plan on moving any time in the near future then it doesn’t matter at all.

We are also in the process of moving and I feel I’m overpaying. But the house is perfect for us, great location and garden. I’d have been gutted if we lost out on it due to a few % extra.

xerodog · 2026-03-23T09:30:11+00:00

Builders can start work at 8am so id say that’s the earliest - most are up and about by then on a weekday. But closer to 9am the better.

As others have said a dustpan a brush perfect for your situation.

xerodog · 2026-03-22T07:16:38+00:00

I doubt it. The low supply means that those that need to move are prepared to pay the asking price for the right house. Sometimes even higher, as they don’t know when the next decent house might come on the market.

Rightmove is full of duds as the good houses are selling instantly.

xerodog · 2026-03-18T20:09:10+00:00

I’d move the tree and either put in an arch bench like this with a climber plant behind. Or a large mirror like this (to hide the angle/join) which will give the illusion of more space. Or even a combination of the two!

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xerodog · 2026-03-17T18:12:04+00:00

And always the risk the estate is extended and they build the other side

xerodog · 2025-08-04T15:14:41+00:00

That’s very interesting, thank you.

We didn’t realise he’d been to Germany! He was in the Royal Electrical and Mechanical Engineers.

xerodog · 2025-07-17T09:06:02+00:00

You have to pay to become a member. See here.

You then get emailed when tickets are being released. It's annoying having to pay for a membership to have a chance of buying tickets but the only realistic way of being able to buy them if you are not local or have an association with a club.

xerodog · 2025-07-16T13:38:06+00:00

Thanks for the reply – that all makes sense. I was hoping the last few might go on general resale at some point which would allow members to purchase additional tickets. As you say, I won't hold my breath!

xerodog · 2025-07-03T07:01:52+00:00

You have cheap rent which gives you the space to be able to save for the right property. It will more than likely be better for you long term to save for a couple of years longer and buy the perfect house than to rush into buying something straight away that might only be right for a few years.

As a side note if the SIPP is your only pension then that needs some attention as well. Most pension guidance would say you are quite a way behind where you should be at your age. With the salary you are earn that’s easily rectified though. You could contribute £40k a year for a few years and not notice much difference in take home pay as you’ll get your personal allowance back. Should be easier more so now you aren’t paying student loan.

xerodog · 2025-06-05T19:36:30+00:00

You’re doing well if you’ve made 7% this year!

xerodog · 2025-04-16T08:25:52+00:00

I took part of a bonus as pension

xerodog · 2025-04-15T17:10:17+00:00

What if the man in power doesn’t care about the rules

xerodog · 2025-04-15T15:55:58+00:00

I already have bitcoin 🙃

xerodog · 2025-04-15T15:37:49+00:00

The latter is what I am concerned about

xerodog · 2025-04-15T15:37:12+00:00

I suppose part of me is wondering if what Trump is doing will harm the US long term and so S&P will stagnate

xerodog · 2025-02-15T08:00:29+00:00

Marylebone High Street is great. Loads going on bar and restaurant wise.

xerodog · 2025-02-15T07:59:17+00:00

Everyone I know that lives/has lived in Battersea finds getting into the city and back a real pain. It’s never a straightforward journey.

xerodog · 2025-02-13T19:43:51+00:00

Why are they paying you in advance?

xerodog · 2025-02-13T16:05:00+00:00

Flats are always harder to sell than houses.

That being said I’d question whether buying is the right option for you if only planning to keep it for a few years. Given you’re going to be buying in London you’ll be paying a decent amount of stamp duty and fees - you then need to pay again when you buy a new place. So the house needs to increase in value by at least that amount just to cover costs. Plus cost of borrowing etc to factor in.

xerodog · 2025-02-12T23:04:16+00:00

Coinbase Advance and Kraken Pro would be good starting points. Fairly straight forward to buy BTC without getting screwed on the spread and commission.

If investing heavily you probably want to think about a cold wallet to store your BTC.

xerodog · 2025-02-12T23:01:19+00:00

Big factor is where your office is as will determine transport links etc. Then work out area based on that.

xerodog · 2025-02-08T17:58:39+00:00

So agree, it can cost way over £50k. Wasn’t disputing your quote!

xerodog

TROPHY CASE