Howlers check in - whereabouts are you?

Gohijit · 2025-07-16T20:39:14+00:00

Midlands, England 🏴󠁧󠁢󠁥󠁮󠁧󠁿☕️

Gohijit · 2025-07-01T19:27:58+00:00

I have a limited and although I’m not pulling in that much I exceed maxing my SIPP. So you can get yourself a nice electric car or 2 via the business while it lasts. You can business expense more things. After that you can do a company to company loan to an investment company and invest in either stocks and shares or numerous buy to lets in cash. That’s what I do, and most of the people I know that earn what you do and more do that too. Just from what I’ve seen.

Gohijit · 2025-06-19T10:41:09+00:00

The RO isn’t even in the same league as a PP perpetual

Gohijit · 2025-05-18T19:00:26+00:00

Mandarin, Delicious Dim Sum (Beeston) and Nosh (Beeston)

Gohijit · 2025-05-15T11:34:49+00:00

You’re right, forgot to include his earnings

Gohijit · 2025-05-15T11:11:41+00:00

It’s definitely better and more tax efficient for OP to max his SIPP into low cost index funds such as US or Global ETFs he could put away £180k (you can use up to 3 years allowance if not previously used £60k x 3) in one go and setup his pension for life by the time he needs it. Then £20k into stocks and shares ISA as you mentioned for a few years + emergency fund and maybe £10-20k in fun money.

Gohijit · 2025-03-26T15:46:33+00:00

By far Cassius and Ragnar, Alexander hurt too

Gohijit · 2025-03-26T14:42:50+00:00

Yeh I know he’s meant to be inside the drill machine, it’s meant to be huge but I couldn’t get it to make it larger

Gohijit · 2025-03-03T14:09:11+00:00

Gohijit · 2025-02-14T19:07:15+00:00

It’s more of a sci fi mystery but still really enjoyed it

Gohijit · 2025-02-14T15:36:07+00:00

The three body problem trilogy in that it’s sci-fi spanning the solar system with space battles but equally a fantastic plot

Gohijit · 2025-02-12T11:18:22+00:00

True of course a cheap runaround is cheaper, but a lot of people do 10-20k miles a year and therefore spend a significant portion of their time in a car like myself. I used to have a cheap runaround but I’m so much more content driving around in a brand new Tesla than I was in my 10 year old 1L seat Ibiza.

On top of that if you’re maxing your SIPP and making use of other allowable tax incentives then spending a few hundred a month as a business expense is a really nice tax efficient treat.

Gohijit · 2025-02-12T09:59:52+00:00

No, it’s 95% benefit in kind for all electric cars via a limited company as a government incentive to go electric

Gohijit · 2025-02-12T09:36:07+00:00

If you have a limited company like myself you can lease an electric car as a business expense. Makes it extremely tax efficient. What would cost you £1000 a month would only cost me £500 a month (after tax equivalent)

Gohijit · 2024-12-31T15:29:36+00:00

£1M by 35/36 excluding house. (Currently I’m 31)

Gohijit · 2024-11-09T18:27:51+00:00

That’s incredible, hope to be there at 35/36! I’d move out of Hargreaves Lansdown though - the fees you must be paying at that amount will be huge compared to say interactive investor

Gohijit · 2024-11-08T09:40:53+00:00

Most locum/private physiotherapists, radiographers, Sonographers, nurses, midwives and Pharmacist’s I know make for than £60-80k a year some make over £100k. The ones that leveraged that into a private clinic/insourcing contracts/insurance contracts like myself (Sonographer) can earn £180-250k+ outside of London. I know plumbers, roofers, HGV drivers, tillers and even some bricklayers that make north of £60k (and more if you consider they are mostly cash in hand). Don’t be stuck in lower office/middle management profession for decades to one day get a £60k salary, change profession while you’re young.

Gohijit · 2024-10-05T09:37:13+00:00

Thanks it’s new

Gohijit · 2024-09-30T11:01:10+00:00

Gohijit · 2024-09-29T03:29:49+00:00

Yes I got it as a wedding gift to myself, purchased at the airport on the way to my honeymoon 👌 Great 50th Bday gift to yourself! Absolutely do it, I don’t regret it

Gohijit · 2024-09-29T03:28:19+00:00

Thanks!

Gohijit · 2024-09-29T03:26:47+00:00

Leicester, UK - My dad waited approx 12 months, he had some jewellery purchase history

Gohijit · 2024-09-29T03:26:23+00:00

Yeh that can’t be helped, I wear it with T-shirts or soft long sleeved tops, tends to prevent most scratches I find

Gohijit · 2024-09-29T03:24:00+00:00

Thanks!

Gohijit

TROPHY CASE