I wanted to pay it down while the rates were low, 10% would've started off ok, but obviously the lower it got, the less that was. Makes sense from the bank's pov, seems a fair trade-off for a fix.
Always up for a chat
I wanted to pay it down while the rates were low, 10% would've started off ok, but obviously the lower it got, the less that was. Makes sense from the bank's pov, seems a fair trade-off for a fix.
It just feels like a huge gamble. I went the tracker route between 2012 and 2018 only because I didn't want the overpayment restrictions imposed by fixed deals.
Luckily it worked out, had I gone for a fixed rate I'd still be slowly paying it off, at a higher rate.
For every person who did well, there's someone else who didn't, mostly through unlucky timing.
It's crazy in the UK too, where 3-5 year fixes are common. I've know folk who at renewal next year will be paying £500-£800 extra, each month.
My biggest impact has been gas and elec, which maybe added that amount to my annual bill. I can't imagine the stress.
That's good, it might contribute to why I feel more mentally balanced when I stick to a green tea and high vegetable diet since that's apparently a rich source of l-theanine and GABA. It's hard to separate from the other benefits.
I don't like our culture of having a magic pill for everything, when there are simpler (less processed, less packaging, much cheaper) things to try first that promote better health overall. But green tea, sweet potatoes and oily fish aren't sexy marketing propositions that can be marked up x percent.
Ah yes, the placebo section. Like magic, the more it costs, the better it works.
I used to meet a lot of these people in the office. They'd resign themselves to their situations and blame everyone else.
When I come across it now, I'll listen and then ask what could make it better. 50% of the time it's "does not compute" + excuses.
Choose to watch 2hrs Netflix every night or settle for a crappy job or relationship? Go for it, I'm not judging you. Bitch that it's your only option? Nope.
I used to think that's all I had the energy to do. Turns out reading a couple chapters, learning a bit of guitar, going on a short walk, journalling… all takes minimal mental and physical energy, but feels 10x better to do. I got stuck in shitty habits and convinced myself that's all I could do.
Maybe it’s because I’m in a UX team and you hit a nerve, but “pull them into a quick meeting” summarizes my contempt for office life. The lack of boundaries and constant distraction was relentless.
I’ve met many Susies who, like me, dreaded the “Hey Suze, you got a minute?” because everyone vaguely recalls that we’ve worked on something related to their project. It was not as valuable or productive as you think. Pinging the person on Teams and not expecting an instant reply was the right thing to do, even back in the old days.
Not far off some I’ve seen, just needs more wrinkles
Isn’t it amazing, how from a single photo you can deduce that her stand-up is pure dogshit
Employers will quickly learn that leashing a person to their laptop will not prevent wasted time, it’ll cause them to waste time in other ways, and will drive away talent. The only harm is when it impacts outcomes, which is easier and more beneficial to track.
It’s pretty obvious when someone is underperforming, you don’t need to know whether they’ve been doing the laundry between meetings.