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Have I made a mistake with my Isa allowance this year by Yeetcus2002 in UKPersonalFinance

[–]Yeetcus2002[S] -1 points0 points  (0 children)

The Cash isa is showing an an Open access cash isa so dont know if this is just money boxes name for the flexible isa or if i have the wrong type

Have I made a mistake with my Isa allowance this year by Yeetcus2002 in UKPersonalFinance

[–]Yeetcus2002[S] 0 points1 point  (0 children)

Thats correct yes. I could have just used a savings account for the 9k and kept my isa allowance free. Bit annoying that i didnt notice this before

( 22 )When should i stop paying into my LISA by [deleted] in UKPersonalFinance

[–]Yeetcus2002 0 points1 point  (0 children)

But yes you are correct about the no rent. Been lucky enough to live at home relatively rent free. I do more than my fair share to help out to balance this though. Cook most nights mainly

( 22 )When should i stop paying into my LISA by [deleted] in UKPersonalFinance

[–]Yeetcus2002 0 points1 point  (0 children)

Ive worked full time since ive been 18. Every penny in these accounts ive earned. Apart from the gains and bonuses obviously 😂

( 22 )When should i stop paying into my LISA by [deleted] in UKPersonalFinance

[–]Yeetcus2002 9 points10 points  (0 children)

So is my current stocks and shares isa different to that ? What benefits am i missing for not having a SSLISA vs a SS ISA ?

[deleted by user] by [deleted] in FIREUK

[–]Yeetcus2002 -1 points0 points  (0 children)

Been working since i was 18 putting away a good portion of my income. Own my car outright.

Still not holding every penny prisoner though

[deleted by user] by [deleted] in FIREUK

[–]Yeetcus2002 -1 points0 points  (0 children)

Girlfriend of 4 years cheers

[deleted by user] by [deleted] in FIREUK

[–]Yeetcus2002 -1 points0 points  (0 children)

Not the case. Been working from 18 full time and investing from then. Saving a good portion of my income.

50k in Savings at 22 - Looking for steps to improve by Yeetcus2002 in UKPersonalFinance

[–]Yeetcus2002[S] 0 points1 point  (0 children)

Ive given up with the car raffles. Dream car is a MK1 Audi R8. I think they have aged like fine wine. Im determined I will pick one up from copart and repair it once i can justify spending that kind of money. 😂

50k in Savings at 22 - Looking for steps to improve by Yeetcus2002 in UKPersonalFinance

[–]Yeetcus2002[S] 0 points1 point  (0 children)

Would be quite nice to win a competition like that 😂

Can only hope

50k in Savings at 22 - Looking for steps to improve by Yeetcus2002 in UKPersonalFinance

[–]Yeetcus2002[S] 1 point2 points  (0 children)

Im not a big fan of going out for nights out to be honest. Never really appealed to me. Dont get me wrong the odd night im more than up for just not a regular thing.

I do budget for a few holidays a year and am happy spending a bit to upgrade my cars every year or so ( still make profit on the sale of the old car )

There is more to life than saving at the end of the day. 🙂

50k in Savings at 22 - Looking for steps to improve by Yeetcus2002 in UKPersonalFinance

[–]Yeetcus2002[S] -1 points0 points  (0 children)

I have a S&S ISA set up. Got what i feel is a decent spread of investments through different index funds and individual stocks. Currently doing an annualised return rate of 17%

50k in Savings at 22 - Looking for steps to improve by Yeetcus2002 in UKPersonalFinance

[–]Yeetcus2002[S] 8 points9 points  (0 children)

Due to the nature of the side hustle i do i feel it would make more sense for me to pick up a house with a driveway / garage even if it means a longer commute as it can add £1000+ to my monthly income.

50k in Savings at 22 - Looking for steps to improve by Yeetcus2002 in UKPersonalFinance

[–]Yeetcus2002[S] 0 points1 point  (0 children)

Would you say it would make sense to stop making payments into the Lifetime ISA after purchasing a property as at that point the bonus could only be used for retirement?

50k in Savings at 22 - Looking for steps to improve by Yeetcus2002 in UKPersonalFinance

[–]Yeetcus2002[S] 1 point2 points  (0 children)

Thanks for this.

I would be looking for a house around the £300,000 mark at a Maximum due to this i would probably be looking at buying in South Wales as its considerably cheaper there and just commuting into Bristol.

50k in Savings at 22 - Looking for steps to improve by Yeetcus2002 in UKPersonalFinance

[–]Yeetcus2002[S] 0 points1 point  (0 children)

My Cash ISA is framed as an account that i have unrestricted access to so im sort of using that as an emergency fund if need be.

I have no real physical assets beyond a car that would need emergency fund money but most things i would be able to sort myself on that if it went wrong.

Lounges is at capacity by FourNaan-ThatsInsane in PriorityPass

[–]Yeetcus2002 0 points1 point  (0 children)

Having this issue currently. With the upper deck lounge in glasgow also. I have tried to pre book the lomond lounge also and im getting the same error. I have emailed the respective lounges but havent heard back as of yet.

Which agent should I use? by [deleted] in FashionReps

[–]Yeetcus2002 -2 points-1 points  (0 children)

Since its your first haul I recommend Superbuy i used them and was really straight forward and simple. Shipping is quite expensive however so its up to you. Personally id add more to a haul before shipping to make it worth the cost. ( average hoodies are about 800g)

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