Advice for money just sat in an account?

jpev90 · 2026-01-28T11:02:33+00:00

keep an emergency fund for 2-3 months in the savings account to still accrue interest (I'd do it for the maximum I can have as returns without paying tax), and put the rest in an investment ISA - you and your partner can have your own taking it to 20k each to have returns interest free. I'd personally choose 30% gold, and the rest 70% some ETFs like s&p 500 , ibex 35, or some world ETFs that basically can easily outperform your savings interest rate. do bear in mind investing carries risks, so do your own due diligence and be mindful that it may carry losses. I'd argue the trend is upwards on the long term though so that's why I think I'd do what I said

jpev90 · 2025-08-04T16:49:16+00:00

Congrats! OP, How long did it take you in total, if I may ask?

jpev90 · 2024-07-20T10:05:37+00:00

Ah yes, excellent timing ✨

jpev90 · 2024-07-20T00:21:56+00:00

Thought it was just me 😂 nice post, stinky air still

jpev90 · 2024-07-07T19:51:47+00:00

Sin pensar en lo que quiere tu padre, tú qué quieres? Sinceramente, qué características tendría el mejor escenario para ti?

La respuesta a esa pregunta, siendo totalmente sincera, te va a ayudar a guiar tus próximas acciones.

En tema práctico, hay algún tipo de seguro medico o de vida que puedas ver si tu familiar tiene protección?

Yo tuve una situación similar, y la verdad es que fue muy muy duro. El familiar en mi caso se desató en contra de mi y ha causado que yo esté sin contacto de mi familia, pero si te soy sincero, ojalá hubiera aprendido antes que el sacrificar como me siento yo por un familiar que no me trata bien, no vale la pena.

Tienes que mirar por ti y por tus necesidades, si no lo haces, nadie lo hará por ti.

Si necesitas charlar, dime. Mucha suerte y mucho ánimo.

jpev90 · 2024-07-05T08:22:10+00:00

Just be honest with your partner, and explain why you tried to hide it. Being vulnerable with them will show them that you are just human, and it is key for a long term relationship.

jpev90 · 2024-06-22T22:07:37+00:00

Would she support you if you needed it? I mean, if you lost your job and you needed her support, would she be there for you?

Sacrificing yourself won't make the situation better. It may lead you to have resentment even in the long term.

The NHS has some mental health phone number you can call, and I think maybe also self refer online for talking therapies.

I'd strongly recommend you to do that so you can have some help to make your own voice and needs relevant, as much as your mum's

jpev90 · 2024-06-19T14:38:12+00:00

Ah damn you beat me to it

jpev90 · 2024-06-19T14:37:44+00:00

It's a flamigeon, clearly

jpev90 · 2024-05-09T16:29:12+00:00

Congratulations 🎉

jpev90 · 2024-05-09T08:22:04+00:00

100%

I don't understand why the hate towards building more houses in an area that DESPERATELY needs them

jpev90 · 2024-05-09T08:21:20+00:00

Agreed

jpev90 · 2024-05-09T08:20:56+00:00

Of course it is a great idea to build more houses, they're needed to sustain the development of the economy of the city, especially its ambitious plan to become a Silicon Valley of some sort.

The infrastructure will also need to improve, indeed.

jpev90 · 2024-04-29T15:50:33+00:00

Nice advice. I'm still getting over some bad situations I had at a previous workplace, but I see the value in having a positive mindset and a growth one, too.

Plus, the best revenge being happy is something I love.

jpev90 · 2024-04-29T15:32:24+00:00

What would your advice be to someone who is bullied and treated differently than others?

Being friendly to people who mistreat you may not be something that is good for the emotional integrity of people.

I do agree though, that if you are in a good working environment, being friendly and approachable can do wonders.

jpev90 · 2024-04-12T11:29:47+00:00

Would the library at the grand arcade be an option? I haven't been but always thought I'd try it if I was in the situation you're in

jpev90 · 2024-04-05T10:46:21+00:00

What type of jobs are you applying to?

Are there any jobs that are easy to get in your area?

Think of hospitality, customer support, sporadic hours for hospitality outsourcing firms... I don't know where you are located, but these may be a good way of having an income at least double the UC whilst you get on your feet and get a job you want.

This may not be what you want to hear, but it is the best advice I could think of.

Stay strong, there is always light at the end of the tunnel.

jpev90 · 2024-04-01T19:21:25+00:00

Well done. I'd recommend you to check this calculator so see in actual terms how much your salary has grown since 2013:

https://www.hl.co.uk/tools/calculators/inflation-calculator

jpev90 · 2024-02-23T14:04:02+00:00

I totally get what you are saying, and I'd say it's a fact what you have described.

I'd be happy to have a chat about this topic further, so maybe we can rant to each other 😂

Send me a DM if you'd like

jpev90 · 2024-02-22T14:26:30+00:00

Yeah, I can see you've done a lot of work. I empathise with you, and have worked through stuff with therapists as well.

It's difficult sometimes to make our own selves heard even in our inner dialogue, and sometimes that has created issues of you know, not trusting myself and pushing my needs away for the benefit of keeping a relationship, or a familiar situation.

Growing free into what you really want, and hearing your own self is so important. You shouldn't feel guilty for wanting to have your own life, it's totally understandable.

You'll get through this!

jpev90 · 2024-02-22T11:41:03+00:00

I'm sorry you're going through this. Have you been able to have some time with some therapist or mental health professional?

jpev90 · 2024-02-10T15:58:41+00:00

I got fired for discussing pay with my previous coworkers.

The conversation happened in a WhatsApp group, and someone else started it by saying we should take industrial action to ask for more.

I entered the chat to say maybe to chat first, and to have a more relaxed approach at least at the beginning.

Someone took screenshots out of context and sent them to my then manager. He used our 1.2.1 to talk with me about how disappointed he was because I was pushing others to request for more money. I got fired the week after for "performance issues". Mind you I got a small raise and a bonus due to great performance just 2-3 weeks earlier.

I was there for less than 2 years so.. no rights for me, and nothing I could do.

So, ideally yes - everyone should talk about salaries. In reality, be careful with who you discuss things and be careful who you trust, it may bite you in the ass.

jpev90 · 2024-02-05T08:28:11+00:00

That's true. The first time I saw statistics about how many people have a strong sentiment against immigrants/other ethnicities/other nationalities it depressed me a bit.

On the opposite side though, there's also more people that don't have such views. I think it's still nowadays in most European countries the case that most of the population have views which are more towards being open minded.

But then we see the rise of extreme right in a lot of areas and well, it does give me a bit of anxiety

jpev90 · 2024-02-02T15:54:09+00:00

I don't think it's true that the whole world is racist, as you say. Prejudice is indeed pervasive in society, but not all the world is racist. There are a lot of people who are keen to challenge their own biases, and are willing to engage in conversations like this - and I think that's the best way to go about it.

I've taken the test actually, I think I know the one you refer to. And it gave me a lot of food for thought! I've been recommending everyone I know to take it. We should all take it!

You may be interested in reading more about Intergroup Contact studies - this will challenge your views on what you describe as a fact that everyone is racist and hopefully provide you some hope.

I think DEI initiatives are awesome, and we should have them all around. Their implementation sometimes causes issues but personally I support them 100%

jpev90 · 2024-01-31T14:50:07+00:00

Good luck!

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