Ready for a fun way to make every single penny work for you, and still have plenty left over to stop working when you want to?
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Ready for a fun way to make every single penny work for you, and still have plenty left over to stop working when you want to?
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25 comments
When you have retired, you should have a gap, as you should be earning money through investments. The treatment of the gap and what you do with it may be different if you are still working though
Great start Wise of Babylon ready for 2025
Thanks for xls
Should I include DIY expenses on home improvement i.e. timber for a boardwalk, in spending as it does add to the value of your home?
Currently in the process of a divorce. My future was very much dependent on my husbands pension and our property (Our loose plan was to downsize and perhaps travel, whilst investing the excess).
I've just turned 40, I have no pension, am on a low income and am about to become a single parent.
I have no debt, a small amount of savings, but things are yet to be divided, so there will be a lump sum there once we've settled on things.
My initial plan is to find a rental property whilst my daughter finishes school, so we stay in the same area. I'll use a little to upgrade my car and maybe a little holiday. I plan to invest the rest whilst we use the time to work out what comes next.
During this time I'm also working out how to increase my income.
I've never really been able to answer the £million question. When I was younger it was a house/car/holiday – but only to a modest level, nothing showy. I think that's probably where I still am, although would probably add to provide the same for my daughter (again, modestly) Stuck on the rest.
I mean, why does anyone need that amount of money? 😂
What is my version of Greggs?….its Greggs! 😂
Brilliant logical advice.
Have you heard of Olio?A free food app.
I got my weekly food bill down to £10 a week on average.This week I've only spent £1 on a pint of milk! Brought at a Tesco express unfortunately as I was travelling back from 2 nights holiday…visiting National trust properties..so free entry as I'm a member and I stayed in airbandb,so I could do self catering…with my Olio food !!🎉
What about Model income, you know what most people earn
Maximise my income and better
planning for retirement
I'm thrilled to have found your course. Brilliant week 1….I'm so excited!! Those formulas for investing speak to me!!! 🥰😁
Thank you so much for your kindness… You're an epic couple! Proudly different indeed!
Maybe need to update the website. I am just starting on my journey. Follows the link to 'how big is your gap calculator' and thought money dashboard would be a good starting place but it closed down over 2 years ago 😬
Just cancelled Youtube premium 🙂
6 7 mango mustard pay rise?
55 this momth. Have 6 various pension pots (ranging from 4k to 40k). Only ever worked for 3 firms in my life 10years, 19years and currently.8 years in my current job). Worked everyday since 17. No breaks. 3 kids (2 adult, 1 10 year old). Taking home £1550 a month. Owe far too much on about 6 credit cards, paying £100 a.month each on these (over the minimum payment) as i want to clear them. Husband gives me £125 a week. I'm still going overdrawn by almost 400 a month. Come here to sort myself out. Thank you so far.
I’m on week 9 and loving it, thank you! but going back to this week to redo my gap calculator. If you are self employed as a Ltd company, in Income, do you put your Ltd company monthly income or just the money you pay yourself personally?
Roses Bakers! Going three or four times a week getting lunch on my working days! Average spend is £10.50 a week! Shocking amount over a month!
Yes
2
Yes 1 month
I earn less than the average earnings and have no chance of anywhere near this retirement fund!
To maximise my earnings at 54! Had cancer this year and have needed to reduce my hours at work. All help you guys can offer is needed!
Just bought my flat!
Had this course recommended to me today after sharing the fact that i have just my flat and have maxxed our on all my credit to do so! Now living on beans! Need to focus on expenditure!
I write down everything I spend, to the nearest £1, under various categories, such as: food, outings and holidays, house, garden, cat, crafts, health and beauty, giving, gifts etc. I means I know how much is spent each quarter and each year.
And it's very easy to stop earning enough , or instance caring for a family member, and then finding it challenging back into the job market again, let alone earning a reasonable amount.