![](https://lemmy.world/pictrs/image/274604e3-a105-4a82-832d-3fd1a1a15c0a.jpeg)
![](https://linux.community/api/v3/image_proxy?url=https%3A%2F%2Flemmy.world%2Fpictrs%2Fimage%2F8f2046ae-5d2e-495f-b467-f7b14ccb4152.png)
I wanted to pay it down while the rates were low, 10% would’ve started off ok, but obviously the lower it got, the less that was. Makes sense from the bank’s pov, seems a fair trade-off for a fix.
Always up for a chat
I wanted to pay it down while the rates were low, 10% would’ve started off ok, but obviously the lower it got, the less that was. Makes sense from the bank’s pov, seems a fair trade-off for a fix.
It just feels like a huge gamble. I went the tracker route between 2012 and 2018 only because I didn’t want the overpayment restrictions imposed by fixed deals.
Luckily it worked out, had I gone for a fixed rate I’d still be slowly paying it off, at a higher rate.
For every person who did well, there’s someone else who didn’t, mostly through unlucky timing.
It’s crazy in the UK too, where 3-5 year fixes are common. I’ve know folk who at renewal next year will be paying £500-£800 extra, each month.
My biggest impact has been gas and elec, which maybe added that amount to my annual bill. I can’t imagine the stress.
That’s terrible, I hope it all worked out, but absolutely never say anything until you’ve both signed a contract unless you’re looking for a counter offer, which is risky AF.
People pull out of informal agreements all the time, it’s not an employer thing - legal issues, real estate, appointments, competition prizes, dates…
Same here. WTF do I do with a history degree… Joined a helpdesk because I liked fixing tech, transitioned to web development because that was more fun, spent years enjoying learning and progressing, then moved into UX because that was more rewarding (and less stressful).
I’m glad I gravitated towards IT because it gave me a lot of freedom and choice - and the money was always good.
I’d be careful with the “follow your hobbies” advice, I’ve known a lot of frustrated people who feel they’ve wasted years studying / trying to get a job in video games, acting, that sort of thing. Seems you have to be in the top 1% and have a ton of luck or connections to stand a chance.
Yeah, for a fair comparison the standard definition of “active user” is just viewing posts. Not sure why Lemmy sets the bar so high. Maybe they don’t care about vanity stats - besides mild curiosity, I couldn’t care less.
Posting or commenting seems more like “contributing users” and posts like this just encourage unhelpful noise.
Employers will quickly learn that leashing a person to their laptop will not prevent wasted time, it’ll cause them to waste time in other ways, and will drive away talent. The only harm is when it impacts outcomes, which is easier and more beneficial to track.
It’s pretty obvious when someone is underperforming, you don’t need to know whether they’ve been doing the laundry between meetings.