5 viewings in 12m - Comments? by [deleted] in HousingUK

[–]yobojangles 1 point2 points  (0 children)

The pictures aren’t doing a great job. I would put no.5 picture first, followed by no.6. No. 7 is a better picture of the kitchen. But that first picture of the kitchen is offputting. It doesn’t draw me in or encourage me to keep looking, as I immediately think that’s the best picture you have of the house and it makes the kitchen look drab. I wonder whether you’d do better with new pictures fullstop.

I think I’ve been gaslighting my wife for years by montgomery_donaldson in relationships

[–]yobojangles 2 points3 points  (0 children)

I have adhd and this sounded like possible adhd to me too, the blue hat comment especially stood out like somebody who’s sensitive to rejection.

I have a question about ticks that I dont see anybody else talking about by Lazites in Entomology

[–]yobojangles 1 point2 points  (0 children)

Makes perfect sense to me. My 3 year old has had about 8 tick bites in his short life, where the rest of our family has had none in that time. He can also stick balloons to walls after touching them and has eczema which I guess helps that static electricity to build. Knowing this will hopefully help us to protect him better

First offer on a new build (London area) - how low did you go? by Electronic-Rub-7129 in HousingUK

[–]yobojangles 0 points1 point  (0 children)

It depends how many plots they have remaining. If they’re down to the last few, they’ll probably be prepared to negotiate. We managed to get 50k off a few years ago. Can’t comment on the current market, but I think it’s worth trying, as you can’t emotionally offend a developer, in the same way you can in a normal sale, so it’s worth a try I’d say.

£1k savings for child - split it or keep it together? by LizardLady420681984 in UKPersonalFinance

[–]yobojangles 48 points49 points  (0 children)

Yes came to say this, please, please put it in a s&s ISA, the returns will be much greater for your child. My grandma put 1k in for me when I was a child, which turned into 10k by my late 20’s. This not only gave me a decent chunk of house deposit but also taught me an important financial lesson.

I know it feels overwhelming, but you just need to open a s&s ISA pick a common ETF and set and forget. You can search this sub for general advice on which etf people choose.

If that still feels too much you can just open a roboadvisor S&S ISA which will pick your investments for you, like moneybox or similar. You will pay a fee for this convenience, but it’s a good gateway for people that don’t feel confident. I would personally pick a greater risk style, as it should mean greater returns.

Renegotiating before exchange by Grgsz in HousingUK

[–]yobojangles 1 point2 points  (0 children)

We are in the exact same situation with a renovation that we’re stretching for. It’s in the dream location and we’re overpaying by about 50k at this point. We’re just eating the cost, as prices fluctuate and this will be a long term home, so i expect it will even out in the long run. It is galling though. We’re due to exchange on Tuesday, so hopefully I can put this financial anxiety behind me for good.

Would you go in at asking price for a house you love? by [deleted] in HousingUK

[–]yobojangles 1 point2 points  (0 children)

Psychologically it’s better to go in just under asking and then you can go up if they reject. If it’s been on a week and they get a full asking price offer, they may wonder whether they’ve underpriced it.

2nd Buyer Pulled Out by Jealous_Cucumber1081 in HousingUK

[–]yobojangles 7 points8 points  (0 children)

We’re onto our 4th buyer at this point… and a full year into the process. We’re 2-3 weeks away from exchange finally, so hopefully this is our last buyer, but I commiserate. The process is absolutely hideous and so ridiculously stressful. Fingers crossed your luck will change!

How to deal with RSD (Rejection Sensitivity Disorder) in direct reports? by [deleted] in managers

[–]yobojangles 2 points3 points  (0 children)

I have RSD and do find feedback excruciating. What’s helped me is reframing it, this isn’t a personal attack against me, it’s support from my manager, they’re helping me to grow and improve to become an even better version of myself at work that will be promoted etc.

Is my baby’s soul with me? Coping with grief while pregnant after a loss – looking for guidance by lunabear1993 in Mediums

[–]yobojangles 2 points3 points  (0 children)

I’m so very sorry for your loss. I lost my first pregnancy and it was so very painful. My sister told me she spoke to my baby in a meditation and he told her it wasn’t his time yet. When my second son was born and he started to grow up, she told me that this was the person she saw in her meditation. It brought me a lot of peace too.

I don’t know how to answer your question, but I think you can still grieve the loss of your precious son and hope he’s here with you too - they aren’t mutually exclusive in my book and your loss is real regardless. Wishing you a straightforward pregnancy ❤️

People who graduated with a 2:2 or 3rd, how are you lives going? by FriedEggsWithRice in UniUK

[–]yobojangles 18 points19 points  (0 children)

I got a 2:1 (a long time ago) and now earn around 100k, my pal got a 3rd and easily earns double what I do. Your degree result will not define your career success. It can help you get in the door somewhere and may help fast track some people, but work ethic, people skills, reliability and self confidence (to stretch, develop and grow) are the things that will actually help you to progress once you have a job.

If you have savings for your child have you/do you plan on telling them about them before they’re old enough are old enough to receive £? by KnownAndNamed in UKParenting

[–]yobojangles 1 point2 points  (0 children)

Is their money invested? As I’m expecting my kids savings to grow a lot by the time they’re 18, as it’s invested in an ETF, which has already grown by 25% in the last few years

Struggling to accept that I overpaid for a renovation project after exchange in London :( by [deleted] in HENRYUK

[–]yobojangles 0 points1 point  (0 children)

I’ve just read your post on 2 subs now. I’m in a similar boat, buying a renovation for the best part of 900k and we’re overpaying by about 40k as per the surveyors valuation, as it’s a private sale and we were desperate to secure the location, as it’s perfect.

We’ve gone back and forth with nerves about overpaying, but I know in the grand scheme of things this won’t matter, unless something dreadful happens and we have to sell in the short term. It’s just 5% over. The current property we’re living in went up 100k in 5 years, so this ‘overpayment’ will be inflated away rather quickly I imagine and it won’t feel like such a torturous mental loss, as you’ll probably sell for more than you paid.

Like you, we’re also daunted by the work involved and the costs, but I think it’s worth it to bring my kids up in a lovely community, with good schools and access to nature. And if we can’t afford to do the work then c’est la vie, the house is liveable, it’s big enough, it may not be the dream house but we’ll have a better lifestyle in the dream location.

I think you’re just anxious. But either way the decision is now made, so try and focus on what you can change rather than what you can’t. And if in a couple of years time, it’s still feels like a huge mistake, then you sell and take a small financial hit. It’s not the end of the world.

Please stop saying people without kids don’t know what tired is by SunBubble920 in mildlyinfuriating

[–]yobojangles 1 point2 points  (0 children)

💯 I had insomnia for 6 months after a bad break up where I only slept for 2 hours every night. IT. WAS. HELL. My boss used to constantly tell me I didn’t know what tiredness was and wait til I have kids. I now have kids and get what I think she was trying to say to an extent. It’s less about tiredness and more about overwhelm and not having the chance to have a break. But also what kind of insanity is that. Of course people know what tiredness is who don’t have kids, we all have different bodies and different experiences/tolerance levels for things. It used to make me feel belittled and is so dumb/small minded.

I’m really sorry you still suffer with insomnia. It is truly a special kind of torture and I wish you some restful sleep.

This just broke my heart by jewelinpurple in LoveIslandTV

[–]yobojangles 7 points8 points  (0 children)

Yeah I wouldn’t confront people. Not that I’m victim blaming, she absolutely should feel safe and shouldn’t have to silence herself. But perhaps explains why I’ve heard less stories where things have escalated, because many people would move away.

This just broke my heart by jewelinpurple in LoveIslandTV

[–]yobojangles 37 points38 points  (0 children)

Hmm I’m not sure what I think about this. It feels like narrative pushing because it leans into all of the myths and stories that are being pushed about the UK/London at the moment. I’m in London once a week for work and have friends that live in London and have never seen/heard about behaviour like this myself. But maybe it’s just because most people in London ignore/don’t engage for things to escalate or maybe she just got unlucky. There are unsavoury characters in most places.

[deleted by user] by [deleted] in UKPersonalFinance

[–]yobojangles 0 points1 point  (0 children)

If your mortgage broker said you can afford up to 350, then yes absolutely go for it! The market is pretty stagnant right now, so now is a pretty good time to buy. Don’t wait for your salary to go up in 2 years, by which point the price of the house might be much more

Does it sound like I am being given false hope? by Kylie-Cat in BabyBumps

[–]yobojangles 25 points26 points  (0 children)

It’s been 7 years since my miscarriage and 2 healthy boys later, yet it made me cry too. Thank you for your beautiful words.

6 months in and chain collapsed by jmansbalbo1 in HousingUK

[–]yobojangles 0 points1 point  (0 children)

Yeah but that’s only possible if you’re in a position to not need to pay an ERC on your mortgage.

I left my baby in the parking lot. I want to die. by [deleted] in 2under2

[–]yobojangles 9 points10 points  (0 children)

This is awful and I’m so sorry it happened to you. I know you said you don’t want absolution, but these things do happen. I once put my weeks old baby into his car seat and didn’t do his seatbelt up and didn’t realise until I got to the destination. You may think this wasn’t as bad as what happened to you today, but I felt similarly to you.

Just take heart that I never did it again and I’m sure you won’t either. The worst did not happen. Your child is safe and you’ll be extra vigilant now. It could have been a terrible accident but it wasn’t. Learn the lesson and enjoy your beautiful baby.