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Post by dfunked on Dec 8, 2023 9:07:30 GMT
£30 on the tracker tariff isn't totally nuts, to me that suggests a bit more than just having it on a few times. I wouldn't say that's getting into pipe freezing territory, anyway.
£46 in gas for us up until the 19th Nov and I've been pretty generous with the heating.
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Post by technoish on Dec 8, 2023 9:13:20 GMT
I think it depends on the size of the house. Don't think it's necessary for most houses by the sounds of things. Looks like it's not good for internal wall insulation which I want to install, so I guess it's odd the table. |
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geefe
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Post by geefe on Dec 8, 2023 10:39:08 GMT
Defo not pipe freezing territory. I think people overestimate how cold it gets.
Like I say - I'm an end terrace in the north with a wind tunnel on me. If I can get the insulation done on the exterior facing walls, even just in the north facing part of the house, I'll be happy.
But, as with all trades, finding a reliable one and getting them to fit is nigh on impossible.
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geefe
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Post by geefe on Dec 8, 2023 10:40:25 GMT
As for the insulation - a bloke I know through football just said he got their plasterer to whack some polystyrene board (no joke) behind the new skim layer and it made it warmer.
I didn't venture further with that conversation.
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Post by A46Matt on Dec 8, 2023 12:35:04 GMT
As for the insulation - a bloke I know through football just said he got their plasterer to whack some polystyrene board (no joke) behind the new skim layer and it made it warmer. I didn't venture further with that conversation. That’ll be Jablite or something if it actually looked like polystyrene. It is used as insulation, not like he’s just whacked something outrageous in there. Not as good as a foil backed insulation board but it’ll do a job. There’s also foiled bubble wrap, Multifoil type thing,which does a good job relative to its thickness. |
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Post by technoish on Dec 8, 2023 13:47:51 GMT
Need breathable stuff for our old houses! I'm amazed how professionals don't even know this.
My architect tried to put in PIR. That famously non breathable and actually very fucking flammable / toxic (see Grenfeld tower).
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geefe
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Post by geefe on Dec 8, 2023 16:20:20 GMT
As for the insulation - a bloke I know through football just said he got their plasterer to whack some polystyrene board (no joke) behind the new skim layer and it made it warmer. I didn't venture further with that conversation. That’ll be Jablite or something if it actually looked like polystyrene. It is used as insulation, not like he’s just whacked something outrageous in there. Not as good as a foil backed insulation board but it’ll do a job. There’s also foiled bubble wrap, Multifoil type thing,which does a good job relative to its thickness. You seem to know your stuff more than others. 2 grand if you can get the job done. |
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Psiloc
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Post by Psiloc on Dec 8, 2023 16:56:58 GMT
Just set up an overpayment on our mortgage. I worked it out so I'm paying roughly the same amount monthly as we would if we had to remortgage right now. I figure if things are still crazy in 5 odd years then at least I'll be used to paying the extra money. In that time I should have paid off an extra £13,400. I'm not smart enough to figure out what that saves me on interest though
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Vortex
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Post by Vortex on Dec 8, 2023 17:04:04 GMT
A fair bit, but it depends on how far into the whole term you are. There's much more benefit the earlier you start over-paying.
We overpaid a bit from pretty much the start of ours and were done about 8 years early. If nothing else, the extra equity will help keep payments lower when you do have to remortgage.
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Post by dfunked on Dec 8, 2023 17:15:33 GMT
MSE have a handy mortgage overpayment calculator.
I started off planning on absolutely hammering it for the remaining 4 years of our fixed rate and started off well, but it's just so much handier having the cash easily available for when random things like needing a new door come up.
My current plan is multiple savings accounts and empty them into the mortgage at different points of the year when I'm sure I don't need the money.
And yeah, same thinking as the doc. Overpay like crazy now and it'll be less of a sting when we come to remortgage. And if it ends up being more somehow (I doubt it), then I'm already used to paying more.
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nexus6
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Post by nexus6 on Dec 8, 2023 19:28:20 GMT
Just set up an overpayment on our mortgage. I worked it out so I'm paying roughly the same amount monthly as we would if we had to remortgage right now. I figure if things are still crazy in 5 odd years then at least I'll be used to paying the extra money. In that time I should have paid off an extra £13,400. I'm not smart enough to figure out what that saves me on interest though As Dfunked says: www.moneysavingexpert.com/mortgages/mortgage-overpayment-calculator/ |
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geefe
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Post by geefe on Dec 8, 2023 19:40:23 GMT
I started overpaying about 3 years after buying the house - that was 2 years ago. I'm about £5k ahead and will have about £60k left when my fix changes in 2025.
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geefe
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Post by geefe on Dec 16, 2023 6:32:52 GMT
Well...the motherfucking chickens have come home to roost. For those of you not following the story, dad died a few months ago, at a younger age than some of you lot.
Anyway, and I've no idea how this works, his £16k of credit card debt (just on amounts so far given by banks) apparently now is for my mum to pay. I'm absolutely fuming and devastated. Yes, he had insurance payouts etc but how the fuck could a guy earning over double average UK salary with just a wife to look after have been that far in the hole? And why the hell is my mum liable if the cards were in his name?
Just crazy. My mum can afford it, now, but it eats a chunk of money she's received. So all the talk of "you'll both be financially sorted when I die" is proving to be untrue.
On a completely unrelated note, my insomnia is back.
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Post by Dougs on Dec 16, 2023 7:57:07 GMT
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geefe
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Post by geefe on Dec 16, 2023 8:14:55 GMT
Cheers. The solicitor has been pretty vague so I've told her to give them a call. Absolutely bollocks
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Post by technoish on Dec 16, 2023 10:33:22 GMT
Jeez that sucks!
The website Dougs shared suggests it is the executor's responsibility to pay out of the estate. Is it on your mum because she got all of the estate?
Also, reminds me I should get some life insurance...
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Deleted
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Post by Deleted on Dec 16, 2023 12:13:33 GMT
Standard practice for debt like that. Seen it a lot where that gets paid off before any money is received by the family.
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geefe
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Post by geefe on Dec 16, 2023 17:12:10 GMT
So am I right to be immensely fucked off that my dad would let things get to that state, despite being on a good wage?
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mrpon
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Post by mrpon on Dec 16, 2023 17:16:57 GMT
Possibly harsh, given the circumstances. Maybe he had a payment plan in mind.
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zagibu
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Post by zagibu on Dec 16, 2023 17:20:04 GMT
In Switzerland, debt can also be inherited, but I think it has to be stated before somebody decides whether they want to take the inheritance or not, so if the debt is higher than the positive value of the inheritance, you can just deny it.
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geefe
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Post by geefe on Dec 16, 2023 17:29:08 GMT
I believe the payment plan was balance transfers and then pay it off with retirement money, which was at least 5 years ago. Didn't seem the smartest plan.
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Post by technoish on Dec 16, 2023 17:54:16 GMT
I guess there may be context around what the debt paid for. If it was gambling and hookers,then maybe that's OK, but if he wasted it, not so much.
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Post by Dougs on Dec 16, 2023 21:44:18 GMT
George Best lives!
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Vortex
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Post by Vortex on Jan 7, 2024 21:35:25 GMT
Car insurance quote jumped up 100 squid. Quick comparison via quidco has knocked that down by the 100 quid and should yield a £45 cashback too.
Fuck you insurers. Why do you still do this shit?
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richardiox
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Post by richardiox on Jan 7, 2024 22:00:35 GMT
Car insurance quote jumped up 100 squid. Quick comparison via quidco has knocked that down by the 100 quid and should yield a £45 cashback too. Fuck you insurers. Why do you still do this shit? Mine went up 60% year on year for same policy. I challenged them and the rep said it's due to inflation. "Yeah, but 60%?!" "You're welcome to shop around sir but that increase is across the whole industry". Gotta protect those dividend payments at all costs |
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geefe
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Post by geefe on Jan 7, 2024 22:30:13 GMT
I've managed to get mine to "just" a £30 increase on last year. It too shot up by £100 (aka 50%) and I used topcashback to pull it down. Fuck them all.
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Psiloc
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Post by Psiloc on Jan 9, 2024 11:32:12 GMT
I thought the government were taking steps to stop insurers from bumping up the premiums of loyal customers?
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dmukgr
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Post by dmukgr on Jan 9, 2024 13:10:50 GMT
It was the same with Green Flag this year for car breakdown, so I sacked them off - serves them right the greedy fuckers.
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geefe
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Post by geefe on Jan 9, 2024 13:37:18 GMT
I thought the government were taking steps to stop insurers from bumping up the premiums of loyal customers? /Edna laugh |
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zisssou
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Post by zisssou on Feb 23, 2024 11:32:18 GMT
Best get back on them trackers.
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