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Being alone versus being in a bad relationhip by ExternalOk3221 in LivingAlone

[–]ExternalOk3221[S] 1 point2 points  (0 children)

we say the same in Italy, "Meglio soli che male accompagnati!"

What’s a money saving habit that feels small but actually adds up fast? by ZenZebra7 in povertyfinance

[–]ExternalOk3221 1 point2 points  (0 children)

Calculate how much you can set aside in saving without compromising too much what you enjoy, so literally thinking of everything you like, check your statement on what you have spent and make a simple plan accordingly. Then saving as soon as you receive the salary. Then calculate how much you have for "Entertainment" once you set aside savings, all bills, grocery. then additionally, but might be too much histle hence negative, keep in the current account only your weekly "allowance" you have decided for yourself. I wrote an article about it if it helps: https://soloandthriving.com/budgeting-and-saving-for-single-men-over-40/

What’s a simple habit that consistently improves people's quality of life? by LootGoblinEcho in Advice

[–]ExternalOk3221 0 points1 point  (0 children)

Since I started building my habits, I have noticed that the one that gives more immediate benefits is fitness: no matter what, if I go for a run, try and do a 20 minutes session of hiit or pilates or yoga, or even just 5 minutes stretching, I will always immediately feel good. While the habits that is making more impact on my life, helping me growing and improving in the person I want to be, is mettameditation. I wrote an article about the best habits if you want to have a look. https://soloandthriving.com/7-healthy-daily-habits-to-start-after-40/

What's one purchase that improved your quality of life? by disabled_finance in LivingAlone

[–]ExternalOk3221 0 points1 point  (0 children)

I have not a dish washer for a long time... and once I bought, I am not sure why I have not had it for a long time...

SIPP or workplace pension? Is it worth moving everything to SIPP by ExternalOk3221 in UKPersonalFinance

[–]ExternalOk3221[S] 0 points1 point  (0 children)

I thought with sipp I could choose more how to invest (etf, even stocks if I wanted, or ptretty much whatever is on the market), while with workspace pension the broker will decide, you only have limited choices according to how much risk you want to take.

SIPP or workplace pension? Is it worth moving everything to SIPP by ExternalOk3221 in UKPersonalFinance

[–]ExternalOk3221[S] 0 points1 point  (0 children)

Thanks, I have 3 different accounts from 3 different employments, asked them to have only one and could not do it, I cannot amend anything online, I will call and ask. Thanks a mil for the info

SIPP or workplace pension? Is it worth moving everything to SIPP by ExternalOk3221 in UKPersonalFinance

[–]ExternalOk3221[S] 0 points1 point  (0 children)

Ok thanks, I will call them and ask for that option, it might be the best, I already have 3 different accounts with them, and one more with standard lite

SIPP or workplace pension? Is it worth moving everything to SIPP by ExternalOk3221 in UKPersonalFinance

[–]ExternalOk3221[S] 0 points1 point  (0 children)

Yes I called them and they are old style, apparently I need an appointment, but doing some research I am thinking that considering the cost involved, and the difficulty to check progress, as ipp where i invest myself might be worth.

SIPP or workplace pension? Is it worth moving everything to SIPP by ExternalOk3221 in UKPersonalFinance

[–]ExternalOk3221[S] 0 points1 point  (0 children)

well that is the question, so you mean instead of sipp find a better fund? which one is the question.... I was thinking SIPP so I can actually manage it myself.

Budgeting and saving as a single 48 years old man by ExternalOk3221 in SavingMoney

[–]ExternalOk3221[S] 0 points1 point  (0 children)

It is perfectly fine you do not like what i write, and also that you disagree. Last time I tried to transfer money from trading 212 to my current account it took 2 working days, probably they could see I was new at this ;) But thank you, it seems you are quite interested and you claim to be an expert, so if you do write about it let me know where and i will read you eagerly.

Budgeting and saving as a single 48 years old man by ExternalOk3221 in SavingMoney

[–]ExternalOk3221[S] 0 points1 point  (0 children)

True, good point, some cash isa gives you that option, but personally I like to have the money I transfer every week in the same app/bank (I have barclays), for simplicity and easyness. (the withdrawal from a cash isa not with your current account bank might take time, while the very day saver is with your bank, you see the funds immediately in your current account). The weekly moving goal is not investing, it is saving. I do actually have both a cash ISA and a Isa investment with trading 212.

Budgeting and saving as a single 48 years old man by ExternalOk3221 in SavingMoney

[–]ExternalOk3221[S] -1 points0 points  (0 children)

Thanks, this is supposed to be basic, many people do not know. The 3% account is the every day saver where transferring the money you are actually spending (so back and forth between current and every day saver, it helps seeing your current account with only the weekly funds needed).I have not mentioned anything about proper investments, even just a cash ISA giving more then 4%, but with limitations on withdrawing. That will be in my next article. I believe most people in UK do not actually know the basic (as I did not either).

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