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@bibledave In simplified terms if you save cash the banks will take your money and lend it to others for mortgages etc, if those people don’t repay and then you want to withdraw your money the bank doesn’t have it to give and so the government will step in and pay it to you which is what the...

@ieltsielts And everyone else is a genius during a crash calling people who are 300% up since they started investing idiots because the market crashed by 30% and now they're "only" up by 210%. Remember the markets aren't up by 10-11% some years and then have big crashes, they're up 10-11% on...

@mir2017lma Yeah it just needs to be a conscious decision really. When I take on a job I do so because I'm content with the fact it'll cost as much, take longer and I'll possibly need to get someone in anyway if I mess it up. At that point it's just a hobby like any other really but I wouldn't...

@doreenpayne £200 a month for 2 people is very impressive how do you manage that? We spend a good £80-100 per week on shopping even with cooking everything at home. We do get lots of fruit and veg which pushes the price up but is non negotiable health wise to us.

@angie826 If you're like me in your final example what a tradesman could do in an hour for £50 would cost me £100 in tools I'll never need again and 8 hours of frantic Youtube video watching trying to fix it