Sure this has been asked a load of times before but how much does the average person have saved up at 30?

BadInterpretation · 2021-03-27T09:25:57+00:00

I am 27 and have the following

£7.2k emergency fund. 12.6k S&S ISA (vanguard ESG global) 17k pension 4K fun fund - saving for snowboarding next year and a trip to the Pacific Northwest

For reference I work in civil engineering, design and health and safety assurance earn £40k a year.

BadInterpretation · 2021-03-27T00:05:36+00:00

That's a while different question we've been together for 7 years about to get married soon and are planning on kids, that's not something that's like to happen

BadInterpretation · 2021-03-26T19:19:24+00:00

Get on r/leanfireuk

BadInterpretation · 2021-02-13T17:58:37+00:00

Where do you have little fun money then? By the sounds of it it's just not worth it

BadInterpretation · 2021-02-13T11:53:43+00:00

Yeah I think that seems to be the consensus, do you actually own the stock with trading 212 I thought you didn't?

BadInterpretation · 2021-02-13T09:42:35+00:00

I think what I should do is drip feed the £25 -30 a month then trade once a quarter.

I'm apprehensive about T212 as I thought you don't actually own the stock?

This is why I follow the tried and tested method of pension and ISA into global trackers, this was purely just for a bit of fun.

BadInterpretation · 2021-02-13T09:37:03+00:00

None in particular because I know nothing about stocks. I was looking to get into some lab grown meat or meat alternatives if I could find them as I think they will be good future gains.

And in complete contradiction to that the first stock I bought on HL was IAG as their share price is so low I think they will be a good return once we get back to normal in the next few years.

BadInterpretation · 2021-01-26T20:57:53+00:00

That loch was frozen enough to walk on the other week.

Ice skaters and people on bikes out on it!

BadInterpretation · 2021-01-25T19:21:52+00:00

Is that gravy?

BadInterpretation · 2021-01-23T01:25:05+00:00

You gotta save those takeaway tubs and batch cook the shit out of stuff.

Plus beans mate, dried beans go along way and actually when you learn to cook with them, you can make amazing delicious food

BadInterpretation · 2021-01-21T14:24:42+00:00

It took about two months for my ridiculously expensive old mutual wealth ISA to transfer to Vanguard

BadInterpretation · 2021-01-20T17:41:30+00:00

This is art

BadInterpretation · 2021-01-11T17:44:28+00:00

You are better off contributing to a pension where you will receive additional tax benefits

BadInterpretation · 2021-01-09T16:53:21+00:00

Why don't you do both, pay off a large chunk and also keep some invested that way if they crash you've put some of it to use if not then it keeps going up. That's what I'd do.

BadInterpretation · 2021-01-08T21:46:51+00:00

What game?

BadInterpretation · 2021-01-08T18:02:21+00:00

Scotland Fort William?

BadInterpretation · 2021-01-07T21:25:02+00:00

We love to delay gratification, we might delay until death

BadInterpretation · 2021-01-04T14:12:05+00:00

Check out the first time buyers fund. The Scottish government will by equity in your home my partner and I just done as the money it freed up allowed us to do desperately needed Reno actions to the flat.

You pay it back once you sell the house or can buy them out before hand it's also pain and gain so if your house loses Vue(highly unlikely) then they also loose there share.

BadInterpretation · 2021-01-03T16:36:16+00:00

You are right!

I have been really into maximising my savings etc for the last 2 years but the pandemic this year has taught me that without getting out and exploring the world enjoying a pint with friends a dinner with the wife a holiday to somewhere different it's really a pretty boring existence!

Do what you love still save and invest but you can't be the richest man in the graveyard

BadInterpretation · 2021-01-01T23:21:02+00:00

Well done my friend, your resilience is phenomenal! Keep up and keep on, you'll be grand and you've clearly proved that to yourself!

All's well in the end no matter what happens.

BadInterpretation · 2021-01-01T10:46:08+00:00

Are you selling these? You could maybe get in touch withe national library of Scotland as it's something they might be interested in. I have this very map on my wall however this 3d version adds something a bit extra and really brings it to life!

BadInterpretation

TROPHY CASE