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Post by Reviewer on Feb 8, 2022 11:55:50 GMT
Instead of buying a £10+ bottle of wine just buy the cheapest. You’re paying double for about a 5% increase in quality because of various taxes and costs.
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anephric
Junior Member
The first 6 I took out with a whirlwind kick
Posts: 1,511
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Post by anephric on Feb 8, 2022 16:01:21 GMT
Instead of buying wine, just buy meths. It does the same job and you could start a hipster trend. Old-school tramp-juice joints.
Or have your own still in the shed, like Sid James did in that Bless This House episode.
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Post by Reviewer on Feb 8, 2022 16:07:20 GMT
Instead of that go to your local forest, wood or neighbours garden and steal any fruit or berries. Put them in a large container (bucket will do) and squash them a bit.
Leave for 6+ months then drink.
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Post by imamazed on Feb 8, 2022 16:09:25 GMT
You can pick up the porno mag scraps while you're there. They can still be found in the woods right?
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Post by Reviewer on Feb 8, 2022 16:11:01 GMT
Either that or a stranger might be there that’ll toss you off.
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Post by Sarfrin on Feb 8, 2022 17:42:43 GMT
Instead of buying a £10+ bottle of wine just buy the cheapest. You’re paying double for about a 5% increase in quality because of various taxes and costs. It's the opposite way round. The cost of the cheapest is mostly taxes and costs so if you double the price you pay there's a disproportionately big increase in the quality of the wine you get. |
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Post by Reviewer on Feb 8, 2022 17:47:53 GMT
Actually that is true. No one can really taste the difference though.
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dogbot
Full Member
Posts: 8,738
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Post by dogbot on Feb 8, 2022 17:54:22 GMT
I suppose it depends what you're drinking it for.
If you just want to have a glass of wine and maybe get slightly tipsy, a Yellow Tail or other supermarket bottle will be fine, but if you want something that tastes great, you'd be much better served having a nice Domaine de Villemajou.
(other Corbieres are available)
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robthehermit
Junior Member
Subjectively amusing
Posts: 2,462
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Post by robthehermit on Feb 8, 2022 18:06:29 GMT
I don't drink a lot of wine but for the last few years I've used those introductory cases from various places and they've seemed fine to me. When you run out, get the Mrs to sign up, then try some other company. Depending on how much you drink you can keep yourself going for a while. You might not save a great deal compared to cheap wine from the supermarket but these are probably tastier.
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Post by psymmon on Feb 8, 2022 19:12:43 GMT
Or better still, as I learned today, if you want to block most ads and trackers from everywhere, change your DNS to the Adguard DNS. Thanks for the tip Mr The Hermit, did you notice it having any effect on your speeds? I tried it for a minute (3 5G router) and it made it unusably slow, don't know if I should've just left it to settle into it more or something. |
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robthehermit
Junior Member
Subjectively amusing
Posts: 2,462
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Post by robthehermit on Feb 8, 2022 19:17:40 GMT
Or better still, as I learned today, if you want to block most ads and trackers from everywhere, change your DNS to the Adguard DNS. Thanks for the tip Mr The Hermit, did you notice it having any effect on your speeds? I tried it for a minute (3 5G router) and it made it unusably slow, don't know if I should've just left it to settle into it more or something. Speed was fine, blocking didn't seem to last as long, a few less ads now but not as many gone as at first. |
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dogbot
Full Member
Posts: 8,738
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Post by dogbot on Feb 8, 2022 19:26:03 GMT
You could give NextDNS a try.
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Post by freddiemercurystwin on Mar 14, 2022 13:32:29 GMT
I'm quite a fan of Marketplace these days, in the last few months we've bagged two Ikea drawer sets for £20-£25 each (RRP 125 each), two identical IKEA wardrobes for £50 each (RRP £200 each), collecting a free condenser dryer today, which I believe is fully working and newer than the one we're replacing, which I might get £20 for. If you're patient, persistent if you want something specific and are prepared for the potential hassle of dealing with multiple idiots it can pay off.
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Post by Dougs on Mar 14, 2022 13:39:29 GMT
Always worth keeping an eye out on, but I had to leave the group's after that's all my feed became. One big long list of other people's shit for sale.
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Post by drhickman1983 on Aug 16, 2022 7:12:08 GMT
HMRC are definitely messing up how much tax I need to pay, they seem to think I have 4k "other income" so they've taken that off my PAYE tax free allowance.
I'm pretty sure I don't have any other income at the moment.
Pretty sure last year's team is fudged too. I might just submit a tax return and see what happens.
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dmukgr
Junior Member
Posts: 1,516
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Post by dmukgr on Aug 16, 2022 8:55:19 GMT
It is probably to do with that new tax for innuits and the likes. Us sun worshippers are going to be subsidised by you lot, which is only fair as you won't be spending all your money on heating this winter, unlike us 'normals'.
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Post by drhickman1983 on Aug 16, 2022 11:30:33 GMT
I take umbridge with that as I've had to use a fan 24/7 over the weekend.
In other money saving news: saw a clickbaity article taking about which appliances are the biggest money sinks and what to avoid using.
One of those was a fridge. Yes very helpful, I'll just unplug that so all the food spoils.
Another top tip was to use a heat pump instead of traditional water heating. Yes, I'm sure folks who are struggling with have a spare 7-14k lying around to get a heat pump.
I know it was clickbaity, I was just amused at how useless it was!
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Bongo Heracles
Junior Member
Technically illegal to ride on public land
Posts: 4,629
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Post by Bongo Heracles on Aug 16, 2022 11:53:09 GMT
I think it was the Mirror that offered 'Turn off the aircon in your car' as a top money saving tip during a 35 degree heatwave.
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H-alphaFox
Junior Member
Buy Kramer Coin now!
Posts: 2,287
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Post by H-alphaFox on Aug 16, 2022 12:04:38 GMT
Meanwhile the Express is running with 5000 quid fines for not having you a/c on in the car.
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Post by drhickman1983 on Aug 16, 2022 12:05:47 GMT
Jokes on both of them; I don't even drive.
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Post by stuz359 on Dec 31, 2023 1:10:00 GMT
So, not finding an appropriate existing thread, decided to revive this one.
I have a student loan. Not a lot but I'm a drop out. So last year I owed around £4.4k.
Today it's £4.5k.
In my last year of work, I've had added in interest twice what I contributed via my salary.
Interest rate on student loan is now 6.25%
Unless I increase my income significantly, that leaves me permanently with a higher tax rate.
I suppose I'm 15 years on from the initial loan, so in 15 years it disappears, but it kind of feels like a scam to me.
Lock in a 2% rate or something (I'm not against anyone making a profit) but variable rate? On the education of the future workforce of the country?
I'm lucky my debt is so low, but 6.25% on £60k? Fuck that. That's just servitude.
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Post by Nanocrystal on Dec 31, 2023 4:04:27 GMT
So you're only paying, what, ten quid towards it a month?
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mrpon
Junior Member
Posts: 3,737
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Post by mrpon on Dec 31, 2023 8:31:38 GMT
Have you looked into 0% money transfer credit cards? Pay off the loan in full then sort out a payment plan in accordance with the interest free term.
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cubby
Full Member
doesn't get subtext
Posts: 6,362
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Post by cubby on Dec 31, 2023 9:24:57 GMT
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cubby
Full Member
doesn't get subtext
Posts: 6,362
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Post by cubby on Dec 31, 2023 9:26:57 GMT
Think of it more like a graduate tax than a loan, even if you didn't graduate. A loan is something you have to pay off in full, but this isn't the case here.
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Post by stuz359 on Dec 31, 2023 9:38:31 GMT
Think of it more like a graduate tax than a loan, even if you didn't graduate. A loan is something you have to pay off in full, but this isn't the case here. Oh I do. I just looked it up yesterday out of curiosity, thought about it for a minute and decided to have a rant. It wasn't really my situation I was thinking about. My loan was at the much lower rate back in the noughties. I think it was just much more thinking about the current graduate sitting on a debt of around £60k, at an interest rate of 6.25% who will pay this in perpetuity. Actually ever earning enough to pay it back would be impossible. Also, yeah, about a tenner a month. Not loads and I don't miss it really. |
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Post by dfunked on Dec 31, 2023 13:58:46 GMT
Yeah, does seem to be a massive con with them just milking extortionate interest rates. Even if interest rates are low they still add the cheeky 1% on top.
I'd just overpay to get rid of it asap if at all possible, fuck being part of their grift for the next 15 years!
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cubby
Full Member
doesn't get subtext
Posts: 6,362
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Post by cubby on Dec 31, 2023 16:03:17 GMT
That is terrible advice.
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Post by dfunked on Dec 31, 2023 16:21:21 GMT
I aim to please!
I obviously never had one and just hate the thought of any kind of mounting debt (I've avoided debt apart from my mortgage like the plague ever since I maxed out my first credit card)
But yeah, a tenner a month over 15 years Vs £4,000 is obviously a better option.
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nazo
Junior Member
Posts: 1,302
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Post by nazo on Dec 31, 2023 16:48:22 GMT
Think of it as a punishment for being too young. The govt paid me to go to uni, and gave me a super cheap loan that paid itself off one year when inflation was really low.
I don’t know how students manage these days, I gave fuck all thought to financial matters back then, maxed out loans, overdrafts etc but in those days it hardly cost you anything. Even when I dodged paying it back for a few years by moving to Japan it didn’t accumulate that much extra.
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