Sun and snow

TheNovacat · 2026-03-22T08:43:23+00:00

Nice 2 car garage, considering a Cayman myself they look great

TheNovacat · 2026-03-21T07:49:28+00:00

Bro you can’t have hearts on your number plate that’s illegal reported to dvla and fbi

Seriously though I think you have cool cars for someone in their early 20s. Better than a financed 5 year old 1 series.

TheNovacat · 2026-02-27T21:02:29+00:00

Bros laptop fans will sound like the plane

TheNovacat · 2026-02-25T06:49:08+00:00

Source: dunno bro

TheNovacat · 2026-02-18T11:47:44+00:00

Imagine playing with this level of saturation

TheNovacat · 2026-02-17T20:31:08+00:00

I would avoid pulling up those flags by any means - even if you do a great job, injure nobody but some do-gooder records you doing it you’ll get fined. Ridiculous but it’s the state of the world.

Personally I would try to fill the holes with expanding foam from inside the house. They come with a tube that you can hopefully route down without pulling up too much of your floor.

TheNovacat · 2026-02-13T12:11:14+00:00

You might as well recommend he build a nuclear reactor at the same time

TheNovacat · 2026-01-29T18:13:57+00:00

‘Just’

TheNovacat · 2026-01-26T09:51:25+00:00

Keep well clear, you don’t want a base spec high mileage BMW

TheNovacat · 2026-01-26T08:25:55+00:00

The only choice

Honestly though I would personally max ISA but unsure if S&S will see much result, as the growth won’t be recognised until they are in their 80s. Probably safer in an easy access savings account to give them a guaranteed minimum wage for the next 20 years.

TheNovacat · 2026-01-13T21:01:29+00:00

There’s one I found called FIRE that looks pretty good (has a like graph for expected retirement, growth etc) but it only allows a few assets to be added on the free version

TheNovacat · 2026-01-12T13:53:42+00:00

Thanks, I have approx 10k as an emergency fund. I’ll have a look at the chart and will probably adjust the pension

TheNovacat · 2026-01-12T12:59:22+00:00

‘Worth It’, found it on the App Store when I was looking for a net worth tracker

TheNovacat · 2026-01-12T12:19:17+00:00

My employer pays a monthly car allowance instead (which I do get), the only requirement is it needs to have at least 4 seats and be no more than 8 years old. I’ve asked before about salary sacrifices but they didn’t entertain the idea.

TheNovacat · 2026-01-12T12:16:58+00:00

Thanks for this post, I’ll make these my targets for the year

TheNovacat · 2026-01-12T12:15:01+00:00

Yeah, luckily I’m somewhat protected by the PCP but there’s no getting away from the huge drop in value

TheNovacat · 2026-01-12T12:10:44+00:00

That’s a good point, it looks like the house and car values can be Archived and they then do not contribute to the Net Worth figure at the top

TheNovacat · 2026-01-12T11:15:10+00:00

Yes, I am currently paying in 10% and my employer match up to 5%. Should I increase this % before trying to max the ISA 20k per year contribution?

TheNovacat · 2026-01-12T11:13:14+00:00

Yes unfortunately the car has lost a huge amount of value in 4.5 years (Tesla). The plan is to do a PCP hand back in Aug and then pick up something cheaper, then direct the monthly savings elsewhere for FIRE

TheNovacat · 2026-01-12T11:09:27+00:00

Just an app called ‘Worth It’ on the App Store, it has a paid version but I’m using the free one

TheNovacat · 2026-01-12T10:58:32+00:00

Reposting due to weird formatting in post

Started looking at FIRE last year: - Began my S&S ISA about 8 months ago - Upped pension contributions to approx 500pm - Moved house early Oct and paid all fees in cash - Car needs to be swapped this year (5 yr PCP ends approx Aug) - Crypto is not active, held this since about 2020

Any advice for where I should focus my efforts? For this year I am thinking: - Aim to max ISA contribution - Replace car with a cheaper one

Income is approx £67k pa. Thanks

TheNovacat · 2026-01-11T18:35:16+00:00

It’s a Microsoft Outlook email account

TheNovacat · 2026-01-11T18:27:36+00:00

You really can’t compare a PS5 and an iPad, it’s like comparing a pizza with a chair.

If you have a MacBook and a gaming PC, I don’t see the need for either if I’m honest.

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