u/sleepyjean2024

Thinking of renting out property while relocate (vs selling and keeping in high interest savings or investing for several years before buying new property in area we are relocating.

Its in a popular up and coming area close to transport links (which makes us reluctant to sell now) with mortgage paid off so would probably get around £1,300 month rental income. Jointly owned with partner. We are both lower tax bracket currently but my partner is just below higher tax threshold so his half of the rental income would probably take him to 40% bracket.

How much realistically of that rental income would we get profit from? I.e. taking into account tax, Money aside for repairs etc, management company?

Is it really not worth the stress unless you have a portfolio of several properties?

I know trying to time market isn’t ideal as anything could happen but people who understand the market and what’s likely to happen over next few years - is it a bad time to upsize?

Stamp duty costs are insane but doesn’t look like Andy Burnham will get rid of them this year but possibly could in the future? Would feel stupid if we spent our entire savings on stamp duty only for it to be abolished.

Also interest rates are higher now than when we bought our first home but could potentially increase? Also if prices increase each year then bigger properties become increasingly less affordable every year

But also keep hearing about a market crash in 2027.

Just terrified of spending so much money on stamp duty and solicitor fees and moving at a terrible time

New to investing and would like to start putting regular monthly amount into a global index fund but also small amount in something a bit less risky (maybe 80% fund; 10% bonds, 10% gold).

I understand how to pick a fund but how do you invest in gold or bonds - are there multiple different options within S&S ISAs.

Can anyone recommend a good S&S ISA for this balance?

Has anyone experience more frequent pins and needles while breastfeeding.? I’ve had all my bloods checked and my iron was the only thing that was low just wondering if this is a weird side effect of breastfeeding ?

My mum is eligible for full state pension but does not have another workplace pension. She wants to retire fully when she gets state pension age.

She has no rent/mortgage luckily as lives in my grandmas flat which my grandma left her when she died and also has around 35k in inheritance.

I got financial advice on her behalf which suggested delaying cashing in her state pension and either getting small annuity with the 35k or investing it - and that if she got an annuity it is best to get it as close to age 70 as possible as you maximise the income you can get from it.

Problem is my mum will not listen to me about making any sensible financial decisions.

I have advised to her that she should continue working for a day or two a week to supplement her state pension as it’s not enough to live on (at least for a few years until she can buy an annuity with the 35k) but she won’t listen to me. She works as teaching assistant and says she is tired as it’s a physical job which I get but she won’t even listen to me about cutting down to a day or two a week.

I’m quite frustrated as I worry she will struggle to survive on the state pension and I also don’t really trust her not to just spend the 35k before I help her get an annuity with it. She is not sensible with money and she has some bad (undiagnosed) mental health issues and has never really had to stand on her own two feet. She pays her own bills but never had to pay rent as she just lived in my grandmas flat all her life.

I guess I am looking for any advice on how I can help her really and make best use of the situation?

She just shuts down the conversation whenever I try to talk about it.

I don’t believe she qualifies for any benefits on top of state pension like pension credit or reduced council tax due to having a small amount of savings which is frustrating.

TW: miscarriage

Had a v early miscarriage (believe it’s called a chemical pregnancy) recently at 4 weeks. We currently have an almost 2 year old and how awful I felt at that early stage of pregnancy made me really consider waiting longer to try to conceive again as I would quite like a bigger age gap (3-3.5 years or even more) so that I don’t have to be pregnant with a toddler.

But I am reading a lot of things now that say it’s actually a lot better to get pregnant within 3-6 months following an early miscarriage and the pregnancy / birth outcomes are significantly better than if you wait 6-12 months.

Does anyone have any research (or personal experience) to share?

For reference I am 35 so would not want to wait more than another year or so to try but considering waiting at least 6 months.

Thank you

What age did your bf baby sleep through the night if you breastfed until 2 and beyond? Did you have to night wean or did they do it automatically?

What is people experience of age gap in terms of how many school years in between each child? Are they more likely to get on if there’s more school years between (as less competitive) and is it better to not have multiple children doing GCSEs/ A Levels at the same time?

We are contemplating trying for baby number 2 when our toddler is 2. I would like a 3+ year gap ideally as worried about not being able to play properly or pick up my toddler while I’m pregnant and after the birth.

Those who’ve been pregnant with toddlers how far along into your pregnancy can you carry your toddler?

Mine likes to be carried a lot! Sometimes won’t go in the pram so I need to carry them for a good 15 mins walk or so which I’m guessing won’t be possible when I’m far along

Please can someone explain to me how it works changing childcare providers if you’re entitled to the free 30 hours?

I am changing providers due to moving and the new nursery said to make sure my current nursery doesn’t reapply for my funding as this makes it complicated

I don’t want to ask my current nursery yet as don’t want to give notice until as late as possible in case anything goes wrong with ohd relocation

Hi all hope you’re ok. I had a short cervix during first pregnancy which was managed with progesterone pessaries and I gave birth a couple weeks after stopping the pessaries at c. 38 weeks

I’m just wondering if anyone has ever been given any guidance about ideal pregnancy spacing between pregnancies if you have a short cervix?

Bought our last house in 2020 and I don’t remember it being that difficult. Loadsa options, not overpriced.

Now why on earth is the market so rubbish? There seem to be really limited options and then when decent houses come on they just go for way over asking. But then on the other side there are lots of properties not selling for months if they’re overpriced or not recently renovated.

Anyone who understands the market know whether this is a particularly bad year and would you wait another year to hopefully find some better options?

We are in a desirable area in the NW (England)

Has anyone done any exercises in between pregnancies to try and reduce PGP for next pregnancy?

I had it quite bad in first pregnancy from 16 weeks which everyone kept saying is unusual.

We want to try for another soon and I’ve heard it can be even worse in subsequent pregnancies

Is there any
Prep you can do in advance?

TW: potential miscarriage

I’m pretty certain I’ve had a very early miscarriage (around 4 weeks when my period was due).

Is there anyway of checking for sure ?

I think I am pregnant and my little girl is only just 22 months so would be a 2.5 year age gap.

It was not planned as we were planning to start trying when she was around 2 years old aiming for a 3 year age gap and thinking 2years 9 months would be ok. I am 35 otherwise we probably would have gone for an even larger gap.

I always wanted a 3 year gap because I know the first 3 years are so important for nurture and I am feeling so so so guilty about not being fully present for the first 3 years of my toddlers life and even being pregnant and feeling rubbish and not being able to play with her or pick her up as easily.

Im also still breastfeeding and co sleeping and I’m terrified I’m gonna have to wean in a damaging way if it gets too painful during pregnancy.

Does anyone have similar gap and can reassure me that I’m not going to ruin my current toddlers life and destroy my bond with her?

Looking for advice on best pre natals vitamins. I took Pregnacare for my first pregnancy no issues but now looking to try for second and looking for something more natural. Has anyone tried wild nutrition or Zita west?

What type of issues make a house un-mortgageable? And would these come up as part of survey / searches?

We will be looking for a house for my mum who will be paying cash after downsizing and I want to make sure we don’t get one that would be an impossible to sell in the future as she wont be getting a mortgage so will be no lender checks

Which is the best adult S&S ISA to start investing in index funds with regular monthly contributions of around £200 ?

Do teenagers really need a double bedroom?

Would you put a teenager in a downstairs bedroom (e.g converted office) if it’s a bit bigger than the box room?

What do your kids call non biological grandparents ? I.e. parent’s new partner?

My dad has a partner a couple of years before we had a kid and they now refer to themselves as grandpa and grandma. I get on well with her and she is great with our kid but also feel a bit weird calling her grandma. (And I know my mum would hate it hahah