u/SurpriseOk1143

Hi

(For context I’m male, 30 years old)

For the past few days I keep randomly waking up at the same time of 4:20-4:30am. Nothing is happening between these hours outside my house to wake me, and I have a pretty solid bladder so not an urge to go to the toilet or anything. Doesn’t matter if I go to bed at 10pm or midnight etc, I’ll still wake up at that exact time. I go to sleep fine, but just keep waking up. Even tried totally cutting out caffeine, to no avail. I don’t suffer from stress, anxiety or depression.

It‘s beginning to seriously annoy me now as I’ll wake up at that time and can’t get back to sleep for work in the morning! Any suggestions?

Thanks so much

Hi

I am in a very fortunate position of being transferred full ownership of our old family home by my dad, I am 30 and now live here mortgage free.

My house needs a lot of renovation work doing to it (it hasn’t been maintained properly for over 25 years), and when I say a lot of work, it needs everything doing from new windows to new flooring and plastering, new kitchen and bathroom etc. I understand it makes sense to do it in increments but it’s seriously stressing me out and I just want it all over and done with haha.

I have the money to fund this myself but I’d rather not blow into my life savings doing so, so I was going to release some equity from my house via a mortgage to fund all this work - I read online something about an equity release mortgage, but I read everywhere that you need to be 55+ for this - is this true? Or do I need to look at something completely different?

Any help would be much appreciated! Sorry totally useless with this stuff

Thanks

Hi

For as long as I can remember we’ve always been on the Standard Variable Tariff. A few weeks ago two people knocked on my door (surprisingly not trying to sell me stuff, but instead to save me money) and told me I should definitely change my tariff from standard variable rate due to the price cap changing. I am terrible at deciphering British Gas bills and what price caps etc are, so go easy on me!

What does the price cap changing mean for me?

I am on the Standard Variable Tariff, should I change? If so, to which would you recommend:

1. Cap Tracker June27 v1

2. Fixed Tariff Jun27 v4

3. Longer Fix May28 v1

For context: I’m a single home owner, live alone and my house is heated via gas central heating, not electric.

Would appreciate some input!

Thanks

Hi all

Via my workplace pension I’m currently invested in My Future Focus Long Term Growth S6, looking to switch this fund as 1) it’s the default fund and 2) I’m wanting to maximise my returns.

I think I’ve shortlisted two funds via the below split - but I’m unsure on the UK exposure part… my questions are what do you think, do you invest similarly to the below and what do you think to UK exposure? Also does it really make a difference when I switch the fund over from one to another, or not so much?

• 96% - Aviva Pensions BlackRock World ex-UK Equity Index Tracker S6
• 4% - Aviva Pensions BlackRock UK Equity Index Tracker S6

For reference, I also already invest privately, via a Stocks and Shares ISA, into the Vanguard FTSE Global All Cap.

Thanks!