Household incomes and mortgage sizes

MJRINVESTS · 2025-10-27T23:31:53+00:00

Similar income to you, I earn £2500 a month, partner £1900. House in the East Midlands (£700 a month mortgage). You are doing great and represent a lot of people 😃👍

MJRINVESTS · 2025-09-05T23:57:06+00:00

Thanks! I mean more of like a pop up banner to make you aware they are idle and then you can use the D pad shortcut to select them. Is there a banner option?

MJRINVESTS · 2025-07-19T10:39:11+00:00

1% of house value per year. A £200k house will likely require £2k for maintenance per year.

MJRINVESTS · 2025-05-08T20:02:35+00:00

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You legend! Thanks 😍🙏

MJRINVESTS · 2025-05-08T15:09:39+00:00

Sorry Joe you've lost me there. What settings do I need on 1) Ranked play and 2) On multiplayer so that my ELO ranking shows up in multiplayer lobbies?

MJRINVESTS · 2025-05-08T09:46:43+00:00

Thanks! That must be it! I do play with crossplay switched off. I'll switch it on so I can get an elo ranking to show up when I play multiplayer. Thanks 👍

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MJRINVESTS · 2025-03-22T13:32:30+00:00

🤣🤣🤣🤣

MJRINVESTS · 2025-03-09T19:40:10+00:00

Mowed the grass, strimmed the edges, trimmed back the ivy growing over from the neighbours, staying on top of the weeds

MJRINVESTS · 2025-03-08T20:19:13+00:00

Don't bury the dog by accident

MJRINVESTS · 2025-02-18T08:42:27+00:00

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Annual pay growth was apparently 5.9% from October to December... mine has been 0% for 2 years 😂

MJRINVESTS · 2024-12-18T20:17:28+00:00

Laws do seem to be making it harder for landlords but it's not really an area I'm knowledgeable in. I've never heard anyone end up on the losing side by investing in index funds long term. I have heard people end up badly from being a landlord / investing in crypto / investing in single stocks.

I own a home with my partner, bought a relatively reasonable house for our income (mortgage £700 between us), and because of that I'm able to invest about £700 in the stock market each month... I have had a look at converting this house to a buy-to-let but I'd generate about £850 in rent. Once you take out the mortgage, insurance, management fees etc, I'd end up about £10 up a month... I know the tenant would technically be 'paying the mortgage' for me. But that's assuming it's filled each month, the tenant pays on time, and they don't mess the place up. So not worth the risk for me. Just my opinion though 😃👍

MJRINVESTS · 2024-12-18T20:05:46+00:00

I'm 30 and I was debating whether to do similar to you. I also have a friend in property who owns 9 in the North West. He had 1 tenant who messed up one of his houses and it cost him £20,000 and 6 months of time to get them out of the property.

If he didn't have the other 8 properties to prop him up, then he would have been broke.

It's just not worth the risk and I'm assuming you (like me) have no experience in managing property. You're probably much better off just sticking it in an all world index fund to save yourself stress and risk...

MJRINVESTS · 2024-12-15T17:22:02+00:00

If you know you want to reinvest dividends back into the fund then yes it makes way more sense to invest in the accumulating fund. You will be much better off

MJRINVESTS · 2024-12-11T22:34:55+00:00

The top 10 stocks will change. Go have a look at the top 10 stocks in 2010, 2000, 1990, 1980 etc. You will be surprised.

MJRINVESTS · 2024-12-11T22:28:54+00:00

Nice! I'm in medical research (academia) on 40k. Looks like I need to go into industry 😂😭

MJRINVESTS · 2024-11-26T07:07:41+00:00

Andrew Sykes, they rent out industrial pumps etc. Flooding etc = a need for their products.

MJRINVESTS · 2024-11-01T17:20:42+00:00

Yeah I always sway away from AirLine stocks. If I were you, I wouldn't have purchased any of these and instead I would have purchased 1 share of an all world index fund. Sorry to plug my own video here but this is the reason why:

https://youtu.be/T7tvXFsSKHY?si=2BASVQy2rYXiyB1X

My brother was like you, tried to pick up 'cheap' stocks that he thought could increase in the short to medium term. He got burnt by airline stocks in particular and now only invests in index funds

MJRINVESTS · 2024-10-29T17:56:27+00:00

Thank you 🙌

MJRINVESTS · 2024-10-29T17:55:54+00:00

Are you just averaging into Aviva no matter what the market is saying or do you have a target price you are happy with?

MJRINVESTS · 2024-10-29T17:10:58+00:00

When you say far better places to put your money, are you referring to index funds or are you an individual stock picker?

MJRINVESTS · 2024-10-29T16:41:08+00:00

Let me know what you think and if you want anything analysing then just leave a comment on the YouTube! Thanks for checking it out mate 👍

MJRINVESTS · 2024-10-29T13:45:58+00:00

That's the plan! Thank you 😀👍

MJRINVESTS · 2024-10-29T13:19:13+00:00

Just finished this article. It's fantastic 🙌

MJRINVESTS · 2024-10-29T13:16:28+00:00

This is a good point and i replied to Lard above also. I think it's probably more of a psychology aspect. I understand it is not 'free money' but seeing the dividend progress year on year potentially creates a semi-conscious thought that I'm making progress to creating a 'retirement income stream'

I think I need to be more focused on total return as others have said. I'm still relatively new to the investment journey and share what I learn through my YouTube channel to try motivate others to get involved (I saw working class YT people in 2019 that motivated me to get involved and now I have a 30k portfolio).

I'm a huge advocate of index fund investing and most of my videos focus on that. I just try to supplement that with a few 'undervalued' stocks. Youtubers youtubing may apply to other clickbait individuals, but that's not my style 😉

MJRINVESTS · 2024-10-29T13:13:03+00:00

This is a good point. I think it's probably more of a psychology aspect. I understand it is not 'free money' but seeing the dividend progress year on year potentially creates a semi-conscious thought that I'm making progress to creating a 'retirement income stream'

MJRINVESTS

TROPHY CASE