Roy

Yay! Congrats on the mortgage approval!
I think all your ideas are great BUT I'd come back to this in 6 or 12 months time.
You know what the mortgage cost is but you've yet to work out gas/electric/council tax, ground rent (if app), water, internet, car cost, etc. etc. (and the etceteras will multiply!)
Plus there will be increases this year. Now add in food and fuel. Patter of tiny feet?
It will take this long to work out your monthly costs and never rely on overtime to pay bills, that's for the pleasures in life.
Good luck on your new adventure 😀

and we can all remember when mortgage rates hit 15% in the early 90's eh? well at least some of us can... 😂

Hi Roy, I think i have it mostly worked out, i did this pre mortgage application so I could show them I knew what my expenses would be. Let me know if any of these stick out as off, I think I have overestimated on some to be on the safe side.
Per month
Water and sewerage - £31
shopping - £140
Car maintenance, fuel ect £100 (not a lot but a 2 year old honda so reliable and cheap to run)
holiday fund £50
sim contacts £14
mobile phone replacement money £10
internet £25
electricity £150 (its a 1 small bedroom, 1 open plan lounge/kitchen type flat - with electric boiler, flat is EPC - B )
clothes £20
Life insurance - £50
unexpected (prescriptions, medicine, whatever else ect ) - £50
council tax £108
ground rent/service charge £100
Mortgage repayment - £550
Total bills and everything £1400, say £1500 to give some leeway. 
My basic salary just about covers this, but overtime will be needed for savings or overpayments for sure! I guess a figure of £7500 would be good for a 6 month all in emergency fund. 
 

Very true.   No one ever laid on their death bed wishing they had spent more time at work 

If at all possible, start and run your own company.  There are genuinely great advantages in doing so.  Particularly useful is the ability to elect when to pay yourself or simply hold funds within the company in one form or another.  

I think it's nuts to wish away the best part of your life to get to 68 and have a a goal of having lots of money.  I'm not saying be stupid but most are controlled with the dream of a pension, when you get there no amount of money will buy back your youth.   

Is that for a couple?
£35 a week?
I'm not trying to be negative bud, I remember being in your shoes once 😁

£1500 broken.

Yay! Congrats on the mortgage approval!
I think all your ideas are great BUT I'd come back to this in 6 or 12 months time.
You know what the mortgage cost is but you've yet to work out gas/electric/council tax, ground rent (if app), water, internet, car cost, etc. etc. (and the etceteras will multiply!)
Plus there will be increases this year. Now add in food and fuel. Patter of tiny feet?
It will take this long to work out your monthly costs and never rely on overtime to pay bills, that's for the pleasures in life.
Good luck on your new adventure 😀

Ah, so it was a 1/10th that was actually a 1/5th! That was it, thanks @ilovesilverireallydo.
So @Dakaras, we don"t have a precedent, sorry. It's still possible I guess but without proof or precedent I'd probably refuse it. £140 for a 1/20th is not cool, unless you really like the  coin!
 

Ah, so it was a 1/10th that was actually a 1/5th! That was it, thanks @ilovesilverireallydo.
So @Dakaras, we don"t have a precedent, sorry. It's still possible I guess but without proof or precedent I'd probably refuse it. £140 for a 1/20th is not cool, unless you really like the  coin!
 

£1500 broken.

£1500 broken.

Just purchased 6 x 2022 sovs taking my total to 10 for the year. 

£1500 broken.

£25 sent, go to bed 😂😂

£1500 broken.

14 thumbs down for a charity appeal?
Sadly for them, they've inspired me to send in payment for 14 more tickets! 🙂
Thank you for doing this despite the trolls.
 

£1500 broken.

McDonald's closed all their Russian branches.
Putin is done.
 
£1565!

Yay! Congrats on the mortgage approval!
I think all your ideas are great BUT I'd come back to this in 6 or 12 months time.
You know what the mortgage cost is but you've yet to work out gas/electric/council tax, ground rent (if app), water, internet, car cost, etc. etc. (and the etceteras will multiply!)
Plus there will be increases this year. Now add in food and fuel. Patter of tiny feet?
It will take this long to work out your monthly costs and never rely on overtime to pay bills, that's for the pleasures in life.
Good luck on your new adventure 😀

Yay! Congrats on the mortgage approval!
I think all your ideas are great BUT I'd come back to this in 6 or 12 months time.
You know what the mortgage cost is but you've yet to work out gas/electric/council tax, ground rent (if app), water, internet, car cost, etc. etc. (and the etceteras will multiply!)
Plus there will be increases this year. Now add in food and fuel. Patter of tiny feet?
It will take this long to work out your monthly costs and never rely on overtime to pay bills, that's for the pleasures in life.
Good luck on your new adventure 😀

@CANV, that's exactly what I was saying t'other day - seasonal fruit and vegetables. What ever you can get at the time.
No more avocado on toast.
 

@LawrenceChard 
flattered or royally p*ssed off?

@LawrenceChard 
flattered or royally p*ssed off?