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Cake day: June 15th, 2023

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  • Book review. Have just finished listening to the audio book The Wager. It’s a naval history book, not something I’d never normally select but it came strongly recommended. It is a WILD story. 1700s journey from Britain to South America. Shipwrecked, stranded, scurvy, starvation. Human behaviour and choices in the face of these extreme circumstances. And somehow a few barely alive survivors made it back after several years. Their story was a public sensation in its time. Early in the book I had to pause a few times to look up various naval terms, but was pretty easy listening otherwise. Very engaging.



  • 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.