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Don’t put it off until tomorrow- make those impo Don’t put it off until tomorrow- make those important changes today. We don’t have long on this Earth so let’s not waste what little time we do have worrying and stressing over money. Track your spending, make a budget, learn to say no. These might seem impossible things to do at first but once you start, they will soon become routine. You’ll see your finances improve and you can start to enjoy life again x
Still plugging away at the #savvysaverchallenge Still plugging away at the #savvysaverchallenge I’m so happy with this amount. I was going to spend it on something nice for me but I’m going to use it as a mortgage overpayment or invest it. Not decided which yet. Anyone else have a real problem spending money on themselves? 😬
If you invest £25 pw for 25 years, you could have If you invest £25 pw for 25 years, you could have over £130k waiting for you! That’s a huge amount. But the most amazing thing is that over £100k of that money would be due to interest accrued! This is based upon a 10% return, which is pretty standard. Of course, as with any investment, your money can go down as well as up. But it’s important to remember that you’re only ever at a loss if you sell at a loss. I’ve been investing for just over a year and my money has gone down as well as up. But I’m in it for the long-term, so dips don’t really bother me too much. If you keep your money in a saving account you will be losing money in reality due to inflation. Remember- no one builds wealth by saving alone.
Sinking Funds I ADORE sinking funds. I’d never Sinking Funds I ADORE sinking funds. I’d never heard of them until I started sorting my finances out but now I couldn’t be without them. I have quite a few sinking fund categories (swipe pic to see) and I send a small amount of money weekly to each one. I keep my sinking funds in my Starling account. Starling is an online banking account- super easy to set up and use. Some people use Monzo, which is very similar. You can set up many different saving pots under the one umbrella account. This helps to keep your finances organised. For example, I know exactly how much is in my Christmas saving pot and what’s in my tax pot and there’s no risk of me spending money meant for the tax man on Christmas presents 🤣 I simply set up a standing order from my regular current account to my Starling account and then I divide that money among my mini saving pots/categories. By doing this, I’m ensuring that I have the money ready and waiting for when it’s needed and there’s no frantic raiding of my current account when something crops up. Do you use sinking funds?
Do you make mortgage overpayments? Regular or ad h Do you make mortgage overpayments? Regular or ad hoc? I’ve broken down how much money you’d save in interest and how much you’d shave off the term of your mortgage based on varying levels of regular overpayments. I’ve shown the figures for a £100k mortgage over 25 years, and for a £150k mortgage over 25 years, both with a 2% interest rate. It absolutely blows my mind that by overpaying just £50 pm, you can save almost £4000 worth in interest and shave over 3 years off your mortgage term. A £50 overpayment each month works out at approximately £1.50 each day!! Entirely do-able for a lot of people.
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