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I have only lived in houses with West or South facing gardens. We're looking to move and had originally written off North facing gardens on the basis that they don't get as much sunshine, especially in the winter months. We have two young kids and we spend a lot of time in our current garden. A...

Some of the comments in the 'Moving to Cyprus' thread got me thinking, but I didn't want to derail the thread. I really like where I live. It's primarily because lots of the things I enjoy doing are nearby. The sea and harbours are easy to get to for water activities. There's a national park...

I got 800 points once :cool:. Rolling in it!

No, I don't mean predict the rates, just asking if there's a general rule of thumb you can use to work out what the rates are today/tomorrow. I assumed that a big driver of the rates would be weather conditions. I.e. Warm, sunny and and windy =cheap rates, cold, cloudy and still = expensive...

Elec standing charge: 47.96p Gas standing charge: 27.47p That's on Octopus Tracker in the South East. Speaking of which.... Is there a rough guide to know whether the tracker rates are going to be relatively cheap/expensive without looking up the rates online? E.g. It's sunny and windy...

Our bills and average grocery and petrol spend over the last 12 months (2 adults, 2 kids). We're looking at moving so our mortgage is looking like it's going to jump up to anywhere between 1-1.4k (combination of a bigger house and higher rates). If I could could eat like MatsyLR I'd likely...

I've got quite a decent chunk set aside in a S+S ISA. Should be enough to keep us going for over a year or so if I couldn't work. Not exactly the safest place to keep it, but should still be sufficient even if it drops double digit %. I don't have a set amount in mind. I just put a hundred...

Yea 50k is the limit.That includes me and the wife.

£175 off of 100k. Worst result in a while. :(

Thanks for all the advice all. The Nvidia shield does get good reviews, but I'm a bit wary about spending ~£200 on something that seems to be a bit long in the tooth. Would it not be simpler to get a NAS that can I can install Plex on (e.g. Synology DS423+), and skip the need for that...

I've got an old synology NAS and a relatively new fireTV stick. I use neflix, prime and iplayer on the fireTV stick, as well as kodi to watch stuff saved on my NAS. Recently it feels like it's showing its age; films freezing, apps and failing to load, constant restarts required, just...

I'd estimate that is better than a decent chunk of the population at that age. :eek::eek::D

Regarding the question about consolidating pensions... Is there a benefit in having multiple pots because you're able to dip into one and leave the others to continue to grow? Or is that irrelevant as you're not 'punished' for dipping into your pension? (Assume a DC scheme). I'm a way off...

My kids are 4 and 7, so charging them rent might be a tad harsh. My parents didn't charge me rent of any kind when I was at college or uni, nor when I was looking for a job afternoon finishing uni. I think they knew I was saving hard to move out so were OK with it. Had I been dossing around...

Yes it's detached. We've done our best to measure the 45 degree angle from the neighbours windows either side, and we should be ok to push out the ~3.5m without breaking this rule.

A couple of people have mentioned specs/finishing standard. I'd say mid-range would be our target. We're not going cheap, but definitely no need for top-end stuff. I'd also be willing to do some of the work myself. Obviously things like plastering and building I'd leave to the pro's, but I'm...

Thanks for the feedback so far all :) So (12.5x3.5)+(9.5x3.5)*3000 = £231k, plus VAT = £277k. Does that estimate include kitting out the kitchens/bathrooms, or is that literally just the shell? It's extra cost for space that we don't really need, and likely can't afford. Yes, I'd much rather...

A house has popped up in an area we're keen on moving to. It's quite run down so would need a full renovation and a hefty extension in order for it to work for us. The existing footprint would stay as is, and we'd slap a big two-story extension across the full width at the back. The plans...

I'd be all over that. My employer only puts in 4% :(. I've never worked anywhere with a generous pension.

£575 from 100k. First ever £500 prize! Wife only got £25 on her half of the holding which makes a change as she usually wins more than me.