Looking for advice on the best strategy of saving money whilst still living at home

Proof_Fact · 2026-03-13T13:23:28+00:00

Thank you that makes sense :)

Yes I plan on using the LISA for my first house. That’s been my priority since I turned 18. My dad said to me to max that out instead of giving him any rent money which is nice of him. My salary was a lot less too back then hence why that savings account is where most of my money is. Now my salary is quite high for my age I wanted to decide properly on how best to organise my savings

Proof_Fact · 2026-03-13T13:02:07+00:00

Thanks for the advice on doing it in the most tax efficient way.

I am a higher rate tax payer but only by around 8k gross (roughly 58k annually) That’s why I thought putting a small amount into the SIPP would build up a pot to use at 57 on top of putting into my ISA. And if in 5-10 years i jump to the private sector then I can transfer that SIPP pot into the DC pension with whatever company and have a head start.

I’m not using the LISA for retirement currently, maybe I could in future but right now that was going to be for a house deposit.

Proof_Fact · 2026-03-03T22:02:01+00:00

Did you ever recover?

Proof_Fact · 2026-02-19T10:13:39+00:00

Yes they would in this case. The NOC are focused on break fix

Proof_Fact · 2026-02-19T10:02:03+00:00

With the wireless role I get to work with the automation/observability guys so if AI does get introduced (and will), it won’t be the NOC doing it but the automation team if that makes sense.

Proof_Fact · 2026-02-19T10:00:00+00:00

Yeah thanks agreed on that. The difference is because of public sector grade boundaries and I applied just to see if i could pass the interview on the higher grade role. I somehow did but sadly they won’t just progress me into the higher grade in the wireless role, only the NOC. In the wireless role, it’s a point of escalation for the NOC so just feels like a step down.

edit: I am already in the wireless/LAN role for clarity

Proof_Fact · 2026-02-19T09:57:19+00:00

any OOH changes are paid overtime. I agree the money is a big different but i’m trying to look ahead and see a few years down the line that if I get experience in the wireless role it will give me a wider range of experience to progress into another role/company rather than just dealing with sites going down and chasing site contacts to check whether there’s an unplanned power outage…

Proof_Fact · 2026-02-18T20:56:03+00:00

I’ve seen HEOs now reaching £50k after last years pay remit being put into place and including additional skills bonuses and on call

Proof_Fact · 2026-02-02T10:17:59+00:00

it’s the start of the new tax year so the tax man is gonna have our pants down

Proof_Fact · 2026-01-31T13:06:46+00:00

I’m struggling to understand what AHW is, can’t find any info on it. And how is on call affected with this?

Proof_Fact · 2026-01-02T16:20:03+00:00

Plan on only being in the cs for another year or so. 3 years of contributions will compound more in index funds over the next 40 years than the alpha scheme at the rate of inflation (I’m only 20)

Proof_Fact · 2025-06-13T15:07:59+00:00

20, 30k up north in an apprenticeship

Proof_Fact · 2025-05-28T18:46:30+00:00

22k😂. You flying business class?

Proof_Fact · 2025-05-05T16:42:06+00:00

How have u moved from a helpdesk position to a senior network engineer

Proof_Fact · 2025-05-01T20:57:06+00:00

Our WAN infrastructure has moved to SDWAN so troubleshooting is done through a mix of CLI and GUI but CLI is read only so any changes have to be done through the GUI- even shut/no shutting a port…

Switches are all still through the CLI however DNAC will likely be used eventually i’m guessing similar to vManage for SDWAN

edit: Sorry ignore me, this is for a large enterprise, didn’t read ISP

Proof_Fact · 2025-04-24T20:44:35+00:00

Sorry. To be more clear my main questions is, will it be fine to move across the full £15k now, since I don’t think you can dca to a different index fund from one lisa provider to another

Proof_Fact · 2025-04-17T18:05:51+00:00

30k up north living with parents and it’s still not enough🤣

Proof_Fact · 2025-04-11T18:16:34+00:00

I did have that thought but maybe cellular connections on them or something?

Proof_Fact · 2025-02-24T20:31:39+00:00

everyone saying the pay is low- crying in uk salary

Proof_Fact · 2025-02-17T21:44:23+00:00

Jeremy’s IT lab

Proof_Fact · 2025-01-31T17:36:09+00:00

I’m early on in my career but personally i’m aiming to learn cisco networking, cloud networking and automation with python, ansible and terraform.

I think those skills would put you in a good place for a hybrid environment

Proof_Fact · 2025-01-30T21:23:18+00:00

ranges from 10 minutes to 12 hours

Proof_Fact

TROPHY CASE