cubby
Full Member
doesn't get subtext
Posts: 6,368
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Post by cubby on Feb 19, 2022 9:26:51 GMT
Feels like a lot more to me, I'm doing the same exact journeys as before and I'm having to top up once every 3 weeks instead of 4 weeks. |
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Solid-SCB-
Full Member
Cyberpunk 2077 #1 Fan
Posts: 6,109
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Post by Solid-SCB- on Feb 19, 2022 10:08:24 GMT
Yeah luckily I've found a Sainsbury's that does the old stuff near me but anytime I'm having to top up with the new stuff I'd be shocked if it's only a 3% difference the rate it guzzles through it for me. It's awful.
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Post by Sarfrin on Feb 19, 2022 11:31:10 GMT
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geefe
Full Member
Short for Zangief
Posts: 8,323
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Post by geefe on Feb 19, 2022 11:38:36 GMT
Are the carbon emissions also really offset? If we're having to use about 10% more fuel, surely that's detrimental?
Feels like this is another one of those things, like HS2, where it's an early 2000s idea that just couldn't see which way the wind was blowing.
I now use my car one or two days a week, compared to 3-5 before and some weeks I don't use it. Surely E5 or whatever it was called is best kept?
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Post by Dougs on Feb 19, 2022 20:04:52 GMT
I made the mistake the other day of filling up with super unleaded. The difference in performance was very noticeable. 170p a litre though, fuck that.
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Frog
Full Member
Posts: 7,278
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Post by Frog on Feb 19, 2022 20:11:50 GMT
Shouldn't be putting cheap fuel in the Lambo user Dougs.
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Post by Dougs on Feb 19, 2022 20:13:34 GMT
Ha, when I went to pay, the bloke did do a double take at the shitty family car at his premium pump!
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Frog
Full Member
Posts: 7,278
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Post by Frog on Feb 19, 2022 20:20:03 GMT
During the fuel panic I was filling up at fontwell services and a guy pulled up next to me in a Ferrari (you get loads of nice cars round that way, due to Goodwood I guess). He then proceeded to throw a tantrum that they only had "shit fuel", I couldn't help but laugh at him. He wasn't young either, easily late 50's.
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Post by Nemesis on Feb 19, 2022 20:28:20 GMT
Set up an overpayment of just over £100 on my mortgage for 6 months. Had the place just over 3 years. Do wish I'd started earlier but I was made redundant shortly after buying the place, then the pandemic hit. First two years were somewhat scary. If all goes well I'll start lobbing more at it but an advisor tells me investing will get me a better return, long term. This true? Currently 32, 21 years left on mortgage (though calculations suggest I can have it paid off before 50 if I stay gainfully employed). I have no plans for kids, wife or pets and my goal is to retire somewhere around 50-55. Why not a bit of both? I started about your age on a 30 year as I prefer a lower monthly with spare to either overpay or invest. I’ve had some opportunities to pay off things which I’ve done and I’m now at a point where my monthly outgoings are where I want them to be and the investments are getting to be quite nice to look at ! The early years are a bit bumpy, but give yourself a bit of wriggle room just in case those monthly payments change. |
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Post by Dougs on Feb 19, 2022 21:32:09 GMT
During the fuel panic I was filling up at fontwell services and a guy pulled up next to me in a Ferrari (you get loads of nice cars round that way, due to Goodwood I guess). He then proceeded to throw a tantrum that they only had "shit fuel", I couldn't help but laugh at him. He wasn't young either, easily late 50's. Probably the worst tbh. Entitled fucks. |
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Post by Zomoniac on Feb 19, 2022 23:07:08 GMT
Set up an overpayment of just over £100 on my mortgage for 6 months. Had the place just over 3 years. Do wish I'd started earlier but I was made redundant shortly after buying the place, then the pandemic hit. First two years were somewhat scary. If all goes well I'll start lobbing more at it but an advisor tells me investing will get me a better return, long term. This true? Currently 32, 21 years left on mortgage (though calculations suggest I can have it paid off before 50 if I stay gainfully employed). I have no plans for kids, wife or pets and my goal is to retire somewhere around 50-55. Why not a bit of both? I started about your age on a 30 year as I prefer a lower monthly with spare to either overpay or invest. I’ve had some opportunities to pay off things which I’ve done and I’m now at a point where my monthly outgoings are where I want them to be and the investments are getting to be quite nice to look at ! The early years are a bit bumpy, but give yourself a bit of wriggle room just in case those monthly payments change. We did the same. Took out a 33 year, longest we could get, worked out what we’d need to overpay to make it be 25 and set it up when we moved. No more expensive than getting a 25 year, and means if something bad happens we can stop overpaying for a bit. |
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Post by technoish on Feb 19, 2022 23:18:28 GMT
I should start thinking about this! We've got 34 years left on our mortgage, and I am 38! I don't really want to wait to retire when I am 70+...
It's an offset mortgage, as when we bought the place we wanted to have cash available for work / renovations / other stuff as our lives were a bit more unstable.
So we keep putting savings and bonuses in there, and I have a year's worth of salary that was a tax free pension payment when j worked abroad. This basically reduces the monthly interest payments by a couple hundred quid.
Got a couple years left on the fixed, then will probably move to a regular (non-offdet) mortgage. Decision then is to what to do with the money in the offset!
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Post by Sarfrin on Feb 19, 2022 23:40:30 GMT
All this talk of having a mortgage certainly shows our age profile in here.
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Post by Zomoniac on Feb 19, 2022 23:42:35 GMT
All this talk of having a mortgage certainly shows our age profile in here. I’m a millennial, I just stopped eating avocados. |
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Post by Sarfrin on Feb 19, 2022 23:43:30 GMT
All this talk of having a mortgage certainly shows our age profile in here. I’m a millennial, I just stopped eating avocados. Get thee behind me Starbucks! |
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Post by ignatiusjreilly on Feb 19, 2022 23:52:52 GMT
I'm aiming to pay off my mortgage in 2 years time.
And all I can think is where will I get the motivation to keep on working, I keep on trying to work out ways in my head on how I can sort of semi retire until the pension kicks in, which is a bit pathetic.
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Post by Sarfrin on Feb 20, 2022 1:08:34 GMT
If you have other things you want to do I don't see a problem.
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Post by Dougs on Feb 20, 2022 7:16:00 GMT
Still got 18 years until my mortgage is paid off and I'm 48! Keep trying to overpay, but can never afford it. I'll get a lump sum and 2/3 of my pension at 60, should be able to pay off most of the mortgage then and go part time/consultancy.
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Frog
Full Member
Posts: 7,278
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Post by Frog on Feb 20, 2022 7:36:22 GMT
Sell the kids dougs, you will feel bad for a week or two but then the freedom and extra money will swiftly get you over it.
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Post by Reviewer on Feb 20, 2022 7:38:51 GMT
Investing may work out slightly better but there isn’t much in it, a mortgage has a continuous worry that you have to pay it no matter what. Lose your job or the rates shoot up and you’ve suddenly got a lot of stress you wouldn’t have if you pay it off.
I would always suggest paying it first.
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Post by Reviewer on Feb 20, 2022 7:41:37 GMT
I'm aiming to pay off my mortgage in 2 years time. And all I can think is where will I get the motivation to keep on working, I keep on trying to work out ways in my head on how I can sort of semi retire until the pension kicks in, which is a bit pathetic. There’s always more interesting things to do than work, I’d recommend you start making a list - some free/low cost things and then more expensive things. If you’re living just to work and pay bills then have a rethink |
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Post by Dougs on Feb 20, 2022 8:04:34 GMT
Sell the kids dougs, you will feel bad for a week or two but then the freedom and extra money will swiftly get you over it. That's a good plan. Not sure I'd get much for them but it would be like Arsenal and Auba. Giving them away for free now to benefit elsewhere |
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スコットランド
Junior Member
Delicious gruel
Posts: 3,934
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Post by スコットランド on Feb 20, 2022 8:12:44 GMT
I’m 49 and don’t have any property and no chance of it living in Switzerland.
Only positive is that I should have a decent pension.
I wish I could come into some money and retire early, screw working.
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Frog
Full Member
Posts: 7,278
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Post by Frog on Feb 20, 2022 8:26:15 GMT
Surely with a Swiss pension you could afford to live somewhere else pretty well though.
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Bongo Heracles
Junior Member
Technically illegal to ride on public land
Posts: 4,633
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Post by Bongo Heracles on Feb 20, 2022 9:52:02 GMT
Feels like a lot more to me, I'm doing the same exact journeys as before and I'm having to top up once every 3 weeks instead of 4 weeks. You might be giving it more beans than usual which is also draining it faster. I noticed power delivery was a bit more lumpy and a few horses had gone missing with E10 so I started using super again. It might all be in my head but the engine does feel happier. |
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Post by Dougs on Feb 20, 2022 10:05:33 GMT
Thought the same. And I am not someone who notices shit like that normally, a car is a car for me. But super was noticeably better, even in a fucking Sportage.
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Solid-SCB-
Full Member
Cyberpunk 2077 #1 Fan
Posts: 6,109
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Post by Solid-SCB- on Feb 20, 2022 10:11:45 GMT
Yeah I think we touched on this a few months ago but my car definitely doesn't like this new stuff either. My house and my work are separated by little more than 7-8 minutes on a dual carriageway and every time I've had E10 in the tank it's been a horrible drive, especially trying to get up to speed on it initially.
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スコットランド
Junior Member
Delicious gruel
Posts: 3,934
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Post by スコットランド on Feb 20, 2022 11:08:53 GMT
Surely with a Swiss pension you could afford to live somewhere else pretty well though. Yeah, that's the plan, hopefully there won't be limitations in where you can receive it by then. I think my ideal retirement would be spent in different places but would be great to buy a wee place somewhere as a base, maybe in Spain. We'll see, another 16 years of work till then at least anyway. |
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H-alphaFox
Junior Member
Buy Kramer Coin now!
Posts: 2,287
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Post by H-alphaFox on Feb 20, 2022 11:16:12 GMT
We can pay our mortgage off now if we wanted, would feel weird though as it would be nearly everything in the bank.
Still not bad in under 10 years but kind of an odd feeling knowing we will probably be selling it at some point, it doesn't feel like 'Yay we finally own it' type of thing.
Although now we need to put as much value as possible back in because we'll need as much as possible in the future.
The Mrs' pension will be pretty sweet though when that kicks in, we can both retire early should we need to just got to get there first.
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zagibu
Junior Member
Posts: 1,951
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Post by zagibu on Feb 20, 2022 11:48:20 GMT
Surely with a Swiss pension you could afford to live somewhere else pretty well though. The problem is that anywhere else is not Switzerland, though. I've you live abroad for longer times, you start to miss stuff that you just take for granted in Switzerland. Tourist life is eay, but if you actually have to interact with local authorities and businesses, you start noticing how unprofessional they are in many countries. Paper lying on desks for months, being late half an hour for an appointment is normal, no answer to emails or only partial answers, making this way of communication useless, traffic behaviour that borders on criminal, bribes being required to put things in motion, etc. |
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