Thornbury Witch has given some very good advice. Also be aware, that if you don’t currently meet the deposit/income criteria for a mortgage from a regular bank, you will certainly not be getting a better deal elsewhere. Because of the high risk to the lender they will charge higher interest, fees etc. It will cost you a lot more. Best to save more deposit. There is nothing wrong with renting if means you can live comfortably and not be mortgaged to the eyeballs stressing over every dollar. I’ve never built new so I don’t know anything about finance + build schemes, but I would be too uncomfortable. Are there kickbacks to the builder? What’s the fine print? What recourse do you have if there’s problems with the build? I would feel much safer with a regular bank loan.
I have no option on mesh vs upholstery, but have strong opinion that any desk chair needs to be fully adjustable in seat height, tilt, back support, arm rest height. Because everybody’s body is different and getting it set up right is what’s gonna make it comfortable for you.
Went to the big shops today, bought 2 pairs of jeans and 2 jumpers in the sales. Was a bit busy in there but the sales were good and jeans were needed and a good buy.
If your body clock feels better to nap during day and stay up later at night, just do it! You’re not bound to any one else’s schedules, just do what is best for you.
I’m not sure what this means because the cuticle is the thicker skin stuff between the bottom of the nail and finger? Do you just mean the skin gets nicked because you cut too much off the top? You could try washing/disinfecting the nail scissors or clippers. Bacteria might be living on them that keeps reinfecting any nicks each time you do your nails. Order of operation is wash hands, disinfect clippers, then trim nails. Hopefully that prevents any further instances!
She keeps asserting her lies until she gets completely cornered by the evidence and then changes the story and comes up with some excuse for the lies. Excuses like, oh I was embarrassed, oh I got confused, etc. I think she did it.
I believe it is most productive to work to your body clock preferences, whether you are an early bird or night owl. Societal arrangements generally favour early birds, so some of us are just permanent double shot caffeine addicts in the A.M.
Thornbury Witch has given some very good advice. Also be aware, that if you don’t currently meet the deposit/income criteria for a mortgage from a regular bank, you will certainly not be getting a better deal elsewhere. Because of the high risk to the lender they will charge higher interest, fees etc. It will cost you a lot more. Best to save more deposit. There is nothing wrong with renting if means you can live comfortably and not be mortgaged to the eyeballs stressing over every dollar. I’ve never built new so I don’t know anything about finance + build schemes, but I would be too uncomfortable. Are there kickbacks to the builder? What’s the fine print? What recourse do you have if there’s problems with the build? I would feel much safer with a regular bank loan.