If you’re happy with the amount then go with 10 and overpay whatever you can in the meantime. You’ll cut years off your mortgage.
If you’re happy with the amount then go with 10 and overpay whatever you can in the meantime. You’ll cut years off your mortgage.
Yeah go for as long as possible
I'm a twit
Had a debt recovery letter through the door today for the outstanding charges of gas and electricity at our old house, from 20th May to mid-August. We completed the sale of that house on 19th May.
Even more interestingly, they're chasing my wife rather than me, but I was the sole account holder with British Gas on that old house.
Sorted it. Basically the new owner failed to open an account for the first three months so British Gas passed it straight on to debt recovery and they decided to go after the first person that popped up as relating to that address. Seems a bit cheeky.
Yeah, I was getting electricity bills addressed to the company which built my new-build, for the period when the electricity was in but the house was otherwise still being built, for a good two years after I moved in.
My boiler has been losing pressure every morning so after daily trips to the loft to reset it, I’ve finally relented and booked an engineer for Wednesday. Hopefully it’s a boiler issue rather than a radiator one, cos it’s covered.
I'm a twit
Leave your heating on through the night and it'll keep pressure. If you set it to like 15-16C it won't cost you any more than it would trying to heat the house up to 18-20C from cold every morning.
You got a leak, fam?
Is it normal for boilers to be in the loft?
We're still getting post for the previous owners two and a bit years after moving. Some of it is from the NHS but if you've not corrected all your postal addresses by now you can miss your operation and get fucked.
The deceased previous owner before the owner we bought the house from keeps getting begging letters from some African Catholic church.
I got a NHS letter for a previous owner the other day. No idea how long ago they lived here though as I've never seen the name.
We also get post for a security company a few roads down. Had cheques and a few parcels including one my Cousin took as they never bothered to collect it.
Based on the puddle outside, yes.Originally Posted by Don
I'm a twit
Easy to just ignore it and leave your wife for the woman at work.
Let her new lad sort it.
FFS every thread.
I'm a twit
https://www.thisismoney.co.uk/money/...sapp_share-top
Brb getting a 40 year fixed rate
It'll be interesting to see the uptake on that. As the article says, that type of thing is normal in Europe so it's not unprecedented at all and a lot of people will be glad to have the certainty.
So what's everyone's thermostats set at then?
13C overnight
14-15C during day (if we're in, otherwise leave at 13C)
16C evening
Great question, always gives such varied answers.
16C overnight
20C when WFH
17C when the house is full
15C when its empty
I'm a twit
Probably worth stating:
4 bedroom detached.
Before the 1 bedroom top floor flat dwellers call me tight.
Fuck off you just wanted to bring it up so you can boast about your 4 bed detached in Dogshite, Dundee.
I'm a twit
He lives in Broughty Ferry tbf which I imagine is a lot more expensive than St Helen’s.
It's not a strong flex my guy.Fuck off you just wanted to bring it up so you can boast about your 4 bed detached in Dogshite, Dundee.
But people are usually like OMG is that it, here 16C is plenty warm enough if I had my heating set at 18C it would be on all the fucking time.
13.5 degrees. Fuck Hamas.
16C all the time. Can't be arsed turning the dial.
19° is the one. Subtle warmth.
I have a Nest and the AUTO-LEARNING (which is a bit shit) is on 10-16c throughout the day.
If I'm cold I'll just bump it to 18 myself and I'll usually turn it off before it gets there.
Do you posh smart thermostat folk have multiple through the house? I've got an old dial but it's in the hallway (naturally the coldest part of the house), so 16C on there probably translates to 20C in the living room and 22C in the bedrooms. Hence I leave it, although now I'm wondering if there's a more cost-effective approach. I'm not interested in controlling it with my phone or anything like that but if it's going to save me coin then I'm all ears.
I've been wonder recently with the price of gas at the minute if it'd be cheaper to just run an efficient electric heater in the room I'm in.
Don't really know how to work out the figures for an exact comparison though.
18 in the day, down to 16 at night. If I ever get divorced the main grounds will be my wife coming in from the cold and putting it up to 22 like a mental case.
During working hours I just have an oil filled radiator in my office. It works out much cheaper than having the heading on in the entire house.
It has implications though. I've found since doing it that way and never letting it get below 13C there's very little condensation anywhere and the house feels MUCH warmer than it used to. Probably down to humidity?
Yeah, I'd be worried about damp if some rooms weren't getting heated. Suppose I could blast the central heating for a bit in the morning to warm the whole house up then just keep myself warm for the rest of the day with a heater.
I normally just turn the heating on and off as I need it and let it hit around 20 before turning it off. 16 sounds far too cold. I'm surprised you aren't getting damp never going above that.
Letting any room get to below 12C is ripe for mould, so I'd leave your heating on at least that.
But isn't electric four times more expensive than gas? I don't think electric heaters are too efficient.
The alternative is having the heating on in 4 bedrooms, 3 bathrooms, 2 kitchens and 2 sitting rooms. Plus, the oil filled radiators stay warm for ages after you turn them off, so you only need a blast for a while.
I haven't looked at the numbers in ages, but when I did, it was much cheaper (and actually more convinient).
Like Ben my thermostat is in the hallway at the front door so the temps are probably higher throughout the house, especially upstairs. Today I've left it at 14C and it's plenty warm enough, I can't believe I wasn't doing this last winter when I had a shite electric heater in my office and still had to wear gloves lol. Probably will cost me a fortune though. Oh well.
LOL now this is an attempted flex.
I leave it at 20 C all winter.
Wholesale gas prices are way down on this time last year so why the hell did the energy price cap go up? Why aren't consumer prices falling?
You should also raise your smart thermostat frost protection temperature from the default 7 (on Hive anyway) to 12. The problem is once the whole house loses warmth it takes more energy to restore heat than maintain it. At least that is the theory. Gas and electric goes out of her bank though so going to crank the heating in honour of the thread.
Standing charge. Fucking racket. They're claiming they need it to go up to save all the companies the Big Six had to bail out.
It's twice the price up here so our London brethern can benefit from lower prices.
Do they all charge a standing charge? There only are two companies to choose from in NI. And outside Belfast you only get one or the other (with no choice) depending on where you are.
Yep, it amounts to about £30 a month I think in England.
Bulb used to show you standing charge along with usage but Octopus are sneaky cunts in that they withhold it completely until your bill comes in so you think 'och aye the noo that's nae bad' until you see the bill.
The presentation of utility bills is an absolute scandal.
I think my house needs better loft insulation - upstairs is always cold in Winter and fucking boiling in the Summer. The loft is floored though so it's probably going to be a right ballache getting it done.
There's fuck all in my loft.
Going off the webs up there, I think Aragog lives in mine.
Mine also needs new floor and insulation putting in in the next few years I think.
English motherfucker, do you speak it?
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