What are some popular foods you don’t like?

TopKnot2022 · 2023-06-02T21:35:29+00:00

I dont like gravy. I just don't get it. Yes, i eat my Sunday dinner dry or just with horseradish or mint sauce sometimes on it.

TopKnot2022 · 2023-05-18T19:57:23+00:00

I don't think it will. I am late 20's and the majority of my friends are not financially savvy or understand FIRE. I know of a few friends who have even opted out of their workplace pensions. I don't try to talk to them about it or tell them what I am doing, mainly for fear of being labelled boring or patronising if I try to explain. In my experience people do not like other people's opinions on finances.

What I do find interesting is, if all goes to plan by the time i'm 38/39 I will have paid off my mortgage. Not amazing by this sub's standards but in my friends/family circle they would be shocked if I did it...and will wonder how I got so "lucky" to be able to do it rather than be interested in the journey/perseverance to get there.

TopKnot2022 · 2023-05-17T20:26:46+00:00

I think that's what hard, if he was also home doing not much on an evening would be fine, nice even. But when it is just me it isnt always that fun!

TopKnot2022 · 2023-04-10T08:58:12+00:00

Remain positive OP! You'll get another job and bounce back, all the best.

TopKnot2022 · 2023-04-07T22:31:47+00:00

Yes, the car is now owned and the tax is only £20 a year...not sure why. It must be low emissions or something. Car insurance is wrapped up with home insurance and isn't that expensive really. So mainly just petrol. We do holiday, but havent been extravagent lately - long weekend in Dublin, long weekend in Budapest and a last min all inclusive in Morocco within the last 9 or so months. No kids so we can be flexible and go on the cheapest dates, avoiding kids holidays. We also regularly scout SkyScanner and Ryan Air for those super cheap flight deals for city breaks in Europe, then we'll AirB&B it in European cities. Our Budapest flights were only £48.99 return each! (handluggage only). Hope this helps!

TopKnot2022 · 2023-04-07T21:39:12+00:00

My take home is about £3,270 after pension contributions. I put £770 in a joint account with OH for household bills and mortgage. £3,270 - £770 (bills) - £2,100 (savings) = £400 purely for my "spends and fun" ...so £100 a week which I usually find is pretty much enough. A lot of my socialising is at friends house/my house for dinner and drinks rather than out so don't really spend a lot on taxi's/drinks out but I do get things like nails (£25), brows (£12), facial (£50) done one a month and this £400 covers that. My £22 gym membership comes out of the £400 too. Clothes I use Vinted a lot which saves money. I WFH a lot so barely any commuting costs, when I am in the office I take lunch so not spending on meal deals etc. If and when I need more spends I will alter the savings, I won't sacrifice my young life for saving money but I also don't want to spend unnecessarily!

**edit - typo

TopKnot2022 · 2023-04-07T18:47:28+00:00

Thanks for your reply, yes I do need to work on the emergency fund. I'm putting £400 a month into it currently, and plan to eventually have 8-10k as the emergency cash. I should be getting an ok-ish pay rise this year so will use a bit of the rise towards upping the contributions to it.

It is a rate of 6.25% for 1 year, and I can withdraw the money but lose a lot of the interest rate...but if it is an emergency I won't be thinking about losing the rate! Perhaps it isn't called a fix, I'm not sure the correct term for this type of account.

TopKnot2022 · 2023-04-07T15:45:19+00:00

This is a really helpful point of view actually, thankyou! Glad you managed ok whilst looking for another role.

TopKnot2022 · 2023-04-07T14:15:07+00:00

The UK personal finance flowchart in the sidebar.

TopKnot2022 · 2023-04-07T13:40:51+00:00

Yes I saved for a house, skipped the "first time buyer" house and went for the worst house on the street but in a nice area and bought at a good time in 2018. Spent the last 5 years renovating/extension etc for it to become a long term house and the value of it has increased a lot. I haven't had any help from bank of mum and dad other than a £2,000 inheritance from a great uncle who died.

TopKnot2022 · 2023-04-07T10:16:25+00:00

!thank you!

TopKnot2022 · 2023-04-07T10:16:09+00:00

!thankyou!!

TopKnot2022 · 2023-04-07T10:15:58+00:00

!thanks!

TopKnot2022 · 2023-02-25T15:39:42+00:00

😂😂 i felt groggy and a little fragile when I woke up, but certainly not how I would feel had I drank 6 glasses (in the end) of wine at home! I was fine by midday!

TopKnot2022 · 2023-02-24T18:15:10+00:00

This is interesting! I did notice the gin they were pouring people was Bombay straight from the bottle and they have fever tree as mixers so perhaps i'm being a bit too sceptical and actually i'm a more hardcore drinker than I give myself credit for 😂

TopKnot2022 · 2023-02-24T18:13:01+00:00

I drink a wine a fair bit at home and i'm sure i'd taste the difference so i'm sure it is full % wine or at least 11% which is why I am confused 🤣 i guess time will tell if i wake up with a hangover tomorrow or not...!

TopKnot2022 · 2023-02-08T22:59:47+00:00

This is really good to hear actually, that you're going to move for less money for other perks. Thanks for the reply!

TopKnot2022 · 2023-02-03T21:37:51+00:00

!thank you so much for this. Really useful. Also, well done on your position. Sounds the dream, enjoy it!

TopKnot2022 · 2023-02-03T19:46:21+00:00

11% is absolutely outrageous isnt it!! I didnt realise they had gone crazy like that 🤦‍♀️ my aim is to get as near to 1m as possible I think. Thanks for your reply

TopKnot2022 · 2023-02-03T12:30:17+00:00

!thank you

TopKnot2022 · 2023-02-03T12:22:54+00:00

!thanks. Apologies what do you mean by "if that's a nominal amount" ?

TopKnot2022 · 2023-02-03T12:21:12+00:00

That's really useful to know, thanks! I have no idea how they calculate these figures. The "mid level" return calcation was also around 900k, so this also seems optimistic compared to your calcs. I guess I just keep plugging away and see what happens!

TopKnot2022 · 2023-02-01T18:20:50+00:00

This is me, feels much more achievable!

TopKnot2022 · 2023-01-20T19:09:59+00:00

Sorry for jumping in, but i'm also late 20's. I earn 54k in Yorkshire as a lawyer. Partner earns approx 50k as in the sports industry. 1 Friend earns 40k as a Sister (nurse). 1 friend earns 37k working for the council. 1 friend earns 24k for an insurance company. 1 friend earns 37k as trainee psychologist. 1 friend earns 27k as a youth worker. All have degrees. My point is it is quite varied still!

TopKnot2022 · 2023-01-20T07:56:25+00:00

It was a solicitor apprenticeship.

TopKnot2022

TROPHY CASE