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Edited to add: £450 a month with today’s interest rates would only get you a ~£80k loan. You can’t get much house for that anywhere anymore. £450 is absurdly low for a mortgage. We recently had to remortgage on a mere £118k loan (it’s a shitty 1.5 bed flat) and it’s £650/monthh. There are parts of the Sorry i’m not alexa don’t tell me what to do shirt in contrast I will get this country where people are paying £300 for a reasonable 3 bed terrace. Why? The very simple answer is that few want to live there. We bought a house just over a year ago and we Pay £471 a month. Not exactly a great city but we have a place of our own and love it With these sort of things it’s nearly always housing costs. Fuel costs seem low also, which suggests no commute. That’s something else that can be a big difference. Yes those debts of OP’s sound like they could be a pretty big chunk of money. Including the mortgage itself. Perhaps he overextended himself on finance. People can make big financial decisions without reality thinking about building in a decent buffer. I obviously don’t know if that’s what happened here but on £40k a year it sounds odd having only £150 per month after bills and expenses. Presumably there is nothing going into savings and no contributory pension scheme either. Would be interesting to see a full breakdown of OP’s expenses. Then we can see where money can be saved (if at all).
Sorry i’m not alexa don’t tell me what to do shirt, hoodie, tank top, sweater and long sleeve t-shirt
? It’s very possible that OP could be paying way over £1000 more than you on that alone. That’s about right for me. 1.2 polo and £60 fills the Sorry i’m not alexa don’t tell me what to do shirt in contrast I will get this tank which lasts a month of driving for me (400 miles to a tank). I filled my 1.4 polo with £50 in March and still have a quarter tank left I do wfh and it’s not our primary car though WFH, tbh even when i was commuting it was only about 10 miles a day total (still took an hour though) so a tank was still lasting a good 3 weeks at least. Yeah that seems absurdly low to me as well. We went to buy food *just for the weekend* that didn’t even include crazy treats like desserts, crisps or alcohol and it was close to £30. For 2 days. My husband and I spend about £50 per week on food shopping at Aldi. We meal plan but that also includes some ‘extras’ like occasional beers, chocolate, desserts. The food more than covers us for breakfast/lunch/dinner and snacks for a week (we have a takeaway on a Friday). Dinner is usually either stir-fry, chilli, curry, Spag bol or Frozen stuff usually served with Frozen veg and rice.
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| Size | Length | Chest |
|---|---|---|
| S | 28in | 18in |
| M | 29in | 20in |
| L | 30in | 22in |
| XL | 31in | 24in |
| 2XL | 32in | 26in |
| 3XL | 33in | 28in |
| 4XL | 34in | 30in |
| 5XL | 35in | 32in |
| Size | Length | Chest |
|---|---|---|
| S | 25in | 16in |
| M | 26in | 17in |
| L | 26.5in | 18in |
| XL | 27in | 19.7in |
| 2XL | 27.9in | 21.6in |
| 3XL | 28.5in | 22.7in |
| Size | Length | Chest |
|---|---|---|
| S | 28in | 18in |
| M | 29in | 20in |
| L | 30in | 22in |
| XL | 31in | 24in |
| 2XL | 32in | 26in |
| 3XL | 33in | 28in |
| Size | Length | Chest | Sleeve |
|---|---|---|---|
| S | 26in | 20in | 33.5in |
| M | 27in | 22in | 34.5in |
| L | 28in | 24in | 35.5in |
| XL | 29in | 26in | 36.5in |
| 2XL | 30in | 28in | 37.5in |
| 3XL | 31in | 30in | 38.5in |
| 4XL | 32in | 32in | 38.5in |
| 3XL | 34in | 33in | 38.5in |
| Size | Length | Chest |
|---|---|---|
| S | 27in | 18in |
| M | 28in | 20in |
| L | 29in | 22in |
| XL | 30in | 24in |
| 2XL | 31in | 26in |
| Size | Length | Chest | Sleeve |
|---|---|---|---|
| S | 28in | 18in | 33.5in |
| M | 29in | 20in | 35in |
| L | 30in | 23in | 36.5in |
| XL | 31in | 24in | 38in |
| 2XL | 32in | 26in | 39.5in |
| 3XL | 33in | 28in | 39.5in |
| Size | Length | Chest | Sleeve |
|---|---|---|---|
| S | 27in | 20in | 34.5in |
| M | 28in | 22in | 35.5in |
| L | 29in | 24in | 36.5in |
| XL | 30in | 26in | 37.5in |
| 2XL | 31in | 28in | 38.5in |
| 3XL | 32in | 30in | 39in |
| 4XL | 33in | 32in | 39.5in |
| 5XL | 34in | 34in | 40in |
| Size | Youth Size | Length | Chest |
|---|---|---|---|
| S | 6-8 | 20.5in | 16in |
| M | 10-12 | 22in | 17in |
| L | 14-16 | 23.5in | 18in |
| XL | 18-20 | 25in | 19in |
| Size | Youth Size | Length | Chest |
|---|---|---|---|
| S | 6-8 | 21in | 17in |
| M | 10-12 | 22.5in | 18in |
| L | 14-16 | 24in | 19in |
| XL | 18-20 | 25.5in | 20in |
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