r/Glasgow Tools

jbjamfest

Reddit URLhttps://www.reddit.com/user/jbjamfest
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r/Glasgow posts601
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  • In a perfect world where you bought a house for the value on the Home Report, and had no other fees to pay, you could buy a house for roughly £158,947. The bank would pay its maximum of £151k/95% and you would pay the rest. However, this situation is incredibly unlikely. Some things to remember: 1) The bank will pay out a MAXIMUM of £151k, or a MAXIMUM of 95% - whichever is lower. 2) That maximum will be based on the HOME REPORT and not what the property actually goes for. 3) Lately, the housing market is mad and houses are going way, way over their Home Report valuations - you should expect to spend at least 20% over the valuation. Given all these factors together, the likelihood of you buying a property with only 9k deposit is essentially nil. It’s a stupid situation and I’m sorry! Plus you haven’t mentioned any savings for all the other costs: Solicitors fees, moving costs, set-up fees, essential furniture (e.g. fridge). You’re looking at at least a couple of grand for all these things. (And, ideally, you would have enough saved for several months of mortgage and bills as well.) If the Home Report gives a valuation of £127,158, and then the house actually goes for a very possible £151k, then the bank would give you £120,800. You would then have to essentially immediately pay the difference between these numbers as your deposit - £30,200. With only 9k, the most you could buy would be a property going for less than 40k, which you are really not going to find in Glasgow and you probably wouldn’t want it even if you could! Source: Bought a house in November 2021. by jbjamfest (Thu 14th Apr 2022 1:26am)
  • Thanks! We tried GoMA but the cafe was shut unfortunately. I’ll bear it in mind for future though. by jbjamfest (Thu 21st Apr 2022 5:40pm)
  • Thanks everyone! We tried GoMA but the cafe was shut so we ended up in a booth in Tinderbox which worked well. Going to save all your suggestions for the future - really helpful. by jbjamfest (Thu 21st Apr 2022 5:39pm)
  • Yep - having lots of of publicly run things that you can go to for free is one of the great things about Glasgow (speaking as someone who has been living in England for the last couple of decades). List of these on Tripadvisor here: [https://www.tripadvisor.co.uk/Attractions-g186534-Activities-zft11292-Glasgow\_Scotland.html](https://www.tripadvisor.co.uk/Attractions-g186534-Activities-zft11292-Glasgow_Scotland.html) by jbjamfest (Fri 22nd Apr 2022 5:49pm)
  • Does it need to be a contract? You can order pay-as-you-go sims from most providers. I've just checked Vodafone and you can get pay-as-you-go sims here: [https://freesim.vodafone.co.uk/check-out-bundle?bundle=10bundle](https://freesim.vodafone.co.uk/check-out-bundle?bundle=10bundle) Get a second-hand phone off ebay or CEX, and then get one of those sims. It doesn't solve your credit problem, but it does solve your phone problem. by jbjamfest (Sat 23rd Apr 2022 12:57am)
  • Blairhill maybe? I don't know it personally but I've heard it's a nice part of Coatbridge. It's got a trainline straight to central and a high street, and you have Drumpellier Country Park right there. Might be worth checking out anyway! by jbjamfest (Sun 24th Apr 2022 11:22pm)
  • Flew last month. Glasgow was fine - coming back from England involved a lot of queuing. Still gave myself 2 hours though! Better to not stress. by jbjamfest (Tue 10th May 2022 11:18am)
  • Lazer Crush is one of the few really tasty no-alcohol ones out there. Lots of half decent ones, and it's getting better all the time, but Lazer Crush is top of the heap for me. So, I'm glad to see more of it about! by jbjamfest (Sun 29th May 2022 8:31pm)
  • Good shout, thanks! by jbjamfest (Thu 30th Jun 2022 4:26pm)
  • WahWah is great. Have just followed you with my wee account. by jbjamfest (Wed 6th Jul 2022 3:16pm)
  • My parents installed a thick curtain on the inside of their front door and apparently that has helped a lot. by jbjamfest (Fri 15th Jul 2022 3:43pm)
  • Rumpus Room in southside have lots of activities mainly for kids - maybe you can check out what they’ve got going on? Fwiw, I made some of my longest and closest friendships at a weekly youth group, so if there’s something like that she can do regularly, maybe she can find her people! by jbjamfest (Thu 18th Aug 2022 2:17am)
  • You could start with the Couch to 5k app? It's just jogging and running, building up each time you do it - it's based on your current fitness level. Because of what it is, you can just do it on the spot at home to begin with if your confidence is too low to take it outside. by jbjamfest (Thu 18th Aug 2022 1:42pm)
  • Ah yeah, that makes sense. Sorry to hear about your injury! by jbjamfest (Thu 18th Aug 2022 1:59pm)
  • This is great - thank you so much! Exactly the realm of things I'm after. by jbjamfest (Tue 20th Sep 2022 1:55pm)
  • Libraries are your friend! by jbjamfest (Wed 28th Sep 2022 11:42am)
  • We did something similar: Put about 4tbsp apple cider vinegar and a few drops of washing up liquid in a jam jar. Poke small (like 2mm) holes in the lid. Solved our problem in less than a week! by jbjamfest (Tue 4th Oct 2022 12:18am)
  • The two places I can chime in on: Not generally done in London, but absolutely standard in Birmingham. by jbjamfest (Wed 26th Oct 2022 12:01pm)
  • This is similar to Birmingham then. Another thing the two second cities have in common. IIRC Brum has something like 8,000 acres of green space? I know it's more than any other equivalent sized city in Europe. by jbjamfest (Tue 22nd Nov 2022 6:21pm)
  • I love this. You've had lots of good answers already so I'll just say, as someone in their 30s, that going to Cathouse and seeing Young People knowing all the lyrics to songs that saturated my teens fills me joy. I mean, they actually have to go and learn them! Like what you're trying to do! We just absorbed them all. It warms my wee heart! by jbjamfest (Wed 23rd Nov 2022 2:50pm)
  • I miss the ice skating rink in St Enoch Centre. by jbjamfest (Sat 10th Dec 2022 1:56pm)
  • How do you go about sourcing these? Are you just scouring the internet? by jbjamfest (Fri 14th Apr 2023 2:21pm)
  • Thanks for all your hard work! Such a good idea. by jbjamfest (Sun 16th Apr 2023 12:29am)
  • Cats can also devastate local bat populations. Bats are essential for pollinating (just like bees), and they eat loads of annoying twilight-loving bugs like midgies and moths. by jbjamfest (Tue 18th Apr 2023 12:42am)
  • Thank you for the recc! Will keep it in mind for future. by jbjamfest (Mon 24th Jul 2023 9:57am)
  • Thank you! We went there and they had only sold one Barbie Bomb so had taken it off the menu, but when we asked they were excited to make one and gave it to us for free! It was actually really good. The staff were lovely. This was a brilliant recommendation, so thank you again 😊💖 by jbjamfest (Mon 24th Jul 2023 9:56am)
  • Absolutely. Haven’t found a better poke bowl in Glasgow yet! by jbjamfest (Fri 15th Sep 2023 12:11am)
  • No one ever talks about the Loveable Rogue, but it’s great! I had an incredible scotch egg there. by jbjamfest (Fri 15th Sep 2023 12:20am)
  • Modou does Total Trust on Mondays and it is great. by jbjamfest (Mon 18th Sep 2023 2:11am)
  • Like most other people, I am not suggesting a southside option (sorry!): Yeros is fantastic. by jbjamfest (Fri 10th Nov 2023 12:05am)
  • Tbf lots of these ‘plastic’ cups are actually vegwear, which is compostable. by jbjamfest (Mon 20th Nov 2023 8:49pm)
  • I love a mens’ shed. And “It’s not just for men!” is so sweet I might cry. I love communities looking out for each other. Thank fuck someone is. by jbjamfest (Sun 26th Nov 2023 12:04am)