ayrmad Posted June 28, 2016 Share Posted June 28, 2016 Something ive considered trying, when you say small amounts, how small? Have a look at tennis trading, there are fluctuations like the brexit odds all day every day. Link to comment Share on other sites More sharing options...
Eoin Posted June 28, 2016 Share Posted June 28, 2016 Absolutely skint and waiting 30 days for first bru payment, fun times! Link to comment Share on other sites More sharing options...
1320Lichtie Posted June 28, 2016 Share Posted June 28, 2016 Absolutely skint and waiting 30 days for first bru payment, fun times! Stop gambling!! Link to comment Share on other sites More sharing options...
chomp my root Posted June 28, 2016 Share Posted June 28, 2016 You might want to register for a refresher course.... ETA: Can't complain. Have a flat in Scotland being let out and the mortgage won't kill me if and when it is empty again. Have a bit of cash saved in long term deposit accounts in CHF which I add to annually. Also have a little bit put aside in an accessible savings account, for emergencies. Should probably pay off my credit card but always end up spending money on stupid things I don't really need. If I screwed the nut I could absolutely nail my retirement by 45 but I am still far too immature and reckless with my money. At the risk of sounding like an arsehole, retiring that young isn't for everyone. I retired at 45 although that wasn't the plan, I was going to get a part time job for beer money etc but found I could get by without if I tightened my belt. I'm pretty skint but we cover all our bases so I'd effectively be going to work to give the money to publicans and take away owners etc. My missus still works and has a decent wage so I like to think of myself more as a trophy husband than a retiree. Getting back to my point, my missus couldn't be retired, she's one of those people that has to be doing something, last weekend she pretty much cleaned the house from top to bottom on the saturday* and come sunday ended up making soup, baking and stripping the paint off garden furniture* because she couldn't amuse herself. I'm a fat lazy b*****d who's happy spraffing pish online and watching TV and walking the dogs, being retired suits me but you either need a lot of money to spunk or be happy (or at least willing) to curtail your lifestyle while still relatively young, bearing in mind most your mates will still be working. 3 years later I'm still loving it but my mates can't believe I've not gone back to work to do something probably because I've gone from being a bit of a social butterfly to only going out a couple times a month but we're all different and its working for me so far. But then I've achieved an almost Zen-like state of laziness. *Because I rule the house with an iron fist. No, she's just a bloody oddball, apart from the stripping the garden furniture none of the rest needed doing although the soup, rolls and cake were much appreciated. Link to comment Share on other sites More sharing options...
tamthebam Posted June 28, 2016 Share Posted June 28, 2016 My father in law earns silly money and is constantly going on about how skint he is and just a general tight arse. I've met quite a few rich folk who are as tight as two coats of paint. Maybe there's a lesson to be learned there... As for me I just fished a nice wooden CD rack out of a skip so I've saved a few quid this week there's some nice junk around, 'arold... Link to comment Share on other sites More sharing options...
sjc Posted June 29, 2016 Share Posted June 29, 2016 I have a decent graduate salary but my rent/bills comes to around 40-45% of what I take home each month. Combined with the relatively high cost of living where I am, there's not too much scope to save. Although I do have some "savings" which is basically just student loan money I hoarded. Got 15k student debt to pay off but I don't view it as a burden - it comes of my pay monthly and I don't take much notice. I signed up to Bank of Scotland's share trading site a few weeks ago which I'm going to read up on and invest some money in. Anyone else do this? Not invested in stocks as such but I do use a day trading platform. It's basically gambling on the live markets, risky if you're not sensible but I find it quite interesting following market news and playing with small amounts. I did this with ETX Capital. You can register as a "player" and gamble with pretend money on the real stock market but obviously any "winnings" aren't collectible. I did this for about 6 months to suss out how it worked and then registered to play with real money......I turned 150 into 1100 in about 18 months sticking to betting on the FTSE & Dow Jones going up......this was back in 2011 when both were coming from low positions though, hence I haven't been on it since I withdraw the money! Link to comment Share on other sites More sharing options...
expatowner Posted June 29, 2016 Share Posted June 29, 2016 Mortgage is paid for house. My job pays little. In process of owning another flat/house which will rent out. Future investment certainly. Getting a new driveway put in. Unsure whether to sell this house and take on a mortgage or not you know the answer. DON'T Link to comment Share on other sites More sharing options...
throbber Posted June 29, 2016 Share Posted June 29, 2016 I've met quite a few rich folk who are as tight as two coats of paint. Maybe there's a lesson to be learned there... As for me I just fished a nice wooden CD rack out of a skip so I've saved a few quid this week albert.jpg there's some nice junk around, 'arold... Yeah - an old boss of mine would be awful for that, owned 2 houses outright and would easily make £1000 a week doing wee bits and bobs for himself and still complained he was skint and not making enough to money. The father in law doesn't actually say he's skint so often but is just so mean, complains about price of everything when out and never brings much carry out to parties as mentioned. Right now my finances are okay as I have just got out my overdraft from a few weeks pay. Now that I'm out and have 10 weeks remaining at work I am paying my gf 100 a week for her credit card bill and putting a bit aside for savings myself for maybe buying a car and tiling the flat. Seems like I'm working constantly and always tired for nothing though. Link to comment Share on other sites More sharing options...
Deeboy Posted June 29, 2016 Share Posted June 29, 2016 Pretty shit ATM. I was making far too much money when I was 18-22ish, on the side with a wee clothes business and repairing folks trainers. I was guaranteed a wage from my actual job and was usually making around 3/4 of that again a month through the ventures. Never saved a penny, pished it all up the wall. Terrific times. I've since stopped doing the clothes (too many at it, even undercutting what I found affordable) and the trainers just become a major pain in the arse. Never stopped or reigned back the life of Riley though and was managing fine but got a few mates stuff on tick and as they dripfed me the money - Deeboy was careless and full of Chi and never reinvested the money, other than topping up the snah mountain. Basically, I'm a wage slave for a wee while. I'll never own s property, nor have I ever wanted to. Link to comment Share on other sites More sharing options...
Black and White Tragic Posted June 29, 2016 Share Posted June 29, 2016 We have mortgages totalling £250000 and I'm bracing myself for inflation then interest rates going north. Don't have any unsecured debt so that's a plus. Link to comment Share on other sites More sharing options...
Ross. Posted June 29, 2016 Share Posted June 29, 2016 At the risk of sounding like an arsehole, retiring that young isn't for everyone. I retired at 45 although that wasn't the plan, I was going to get a part time job for beer money etc but found I could get by without if I tightened my belt. I'm pretty skint but we cover all our bases so I'd effectively be going to work to give the money to publicans and take away owners etc. My missus still works and has a decent wage so I like to think of myself more as a trophy husband than a retiree. Getting back to my point, my missus couldn't be retired, she's one of those people that has to be doing something, last weekend she pretty much cleaned the house from top to bottom on the saturday* and come sunday ended up making soup, baking and stripping the paint off garden furniture* because she couldn't amuse herself. I'm a fat lazy b*****d who's happy spraffing pish online and watching TV and walking the dogs, being retired suits me but you either need a lot of money to spunk or be happy (or at least willing) to curtail your lifestyle while still relatively young, bearing in mind most your mates will still be working. 3 years later I'm still loving it but my mates can't believe I've not gone back to work to do something probably because I've gone from being a bit of a social butterfly to only going out a couple times a month but we're all different and its working for me so far. But then I've achieved an almost Zen-like state of laziness. *Because I rule the house with an iron fist. No, she's just a bloody oddball, apart from the stripping the garden furniture none of the rest needed doing although the soup, rolls and cake were much appreciated. I reckon I could probably handle it, when I moved here I was unemployed for 6 months and had zero income and got by OK but found I had to be fairly structured with my lifestyle in order to prevent myself from slipping into a boredom induced coma. Only things that make me think I might not manage it are that at some point I will give in to her and have kids, and potentially buy a house here. Kids will probably mean a standard retirement. Buying property here I'm not so sure about. The sums involved are massive but the tax laws seem to make it worthwhile as you can deduct the interest from your tax bill. I'll worry about that in a couple of years if I get my permanent residency. Link to comment Share on other sites More sharing options...
Sergeant Wilson Posted June 29, 2016 Share Posted June 29, 2016 Pretty shit ATM. I was making far too much money when I was 18-22ish, on the side with a wee clothes business and repairing folks trainers. ICobblers! Link to comment Share on other sites More sharing options...
throbber Posted June 29, 2016 Share Posted June 29, 2016 I was far more generous with my money when I didn't earn so much, was probably because I was younger and more carefree but I wouldn't care about spending all my £200 a week wage on the piss at the weekend and saving nothing. When I started earning more I was more careful with it and appreciated how long I would need to work for the amount of money I was about to spend. I'm quite like that right now and the other day some guy who I'm not even friends with anymore sent me a pm asking me for a donation for fucking dryathlon he took it upon himself to do. All the donations were about £20-£50 so I donated £25 just so not to be a tight arse but that's a mornings work gone for me and effectively pissed against a wall all because I didn't want to tell him to piss off and bother someone else. Link to comment Share on other sites More sharing options...
BFTD Posted June 29, 2016 Share Posted June 29, 2016 "Dryathlon", FFS. Mind when folk used to pretend to actually do something for sponsorship? Link to comment Share on other sites More sharing options...
Ross. Posted June 29, 2016 Share Posted June 29, 2016 "Dryathlon", FFS. Mind when folk used to pretend to actually do something for sponsorship? Last charity event I took part in was the 3 Peaks Challenge. I wasn't exactly a fitness fanatic and coped OK in the end but it was at least a fucking challenge. Folk who do a 5k walk or the likes can bite my banger if they think I will sponsor them. Link to comment Share on other sites More sharing options...
forever_blue Posted June 29, 2016 Share Posted June 29, 2016 Im in a secure job that's decent pay at the moment but scope to go a lot higher, which will eventually happen as the years go on/experience. I've literally just got a mortgage sorted due to start soon, it's a smallish loan considering and very manageable, I'll be in a position where I can comfortably over pay each month it if I want to. Other than my flat and the bills that will go with it I've got my car finance/tax/insurance and a phone contract. All relatively small time at the moment so I should hopefully be able to get by easily enough. I've found myself becoming quite sensible with money as the years have gone by thankfully. 2 year ago I was in a near 2k overdraft living at home and I still was going out near enough every single Friday and Saturday. A total idiot, but I think most people have been the same at some point in their lives. Am working for now to clear my overdraft in time for august's saas to come in and then no doubt start the process all over again , c'est la vie Link to comment Share on other sites More sharing options...
Jambomo Posted June 29, 2016 Share Posted June 29, 2016 I'm a bit better off than I was 20 minutes ago as I've just been told I've got a permanent job (current post is temp and ends in August). Generally we are pretty neutral. We both have reasonably paid jobs, rent our home so whilst we don't have a home to show for the money, equally we don't have the debt of a mortgage, paying for repairs etc. We don't have any debt and what we own, i.e our car, we own outright. That said we don't have much in the way of savings so if things went wrong we'd be a bit screwed, i think thats the next step though, is starting to save, especially now I have the job. Link to comment Share on other sites More sharing options...
Cardinal Richelieu Posted June 29, 2016 Share Posted June 29, 2016 I'm quite like that right now and the other day some guy who I'm not even friends with anymore sent me a pm asking me for a donation for fucking dryathlon he took it upon himself to do. All the donations were about £20-£50 so I donated £25 just so not to be a tight arse but that's a mornings work gone for me and effectively pissed against a wall all because I didn't want to tell him to piss off and bother someone else. Are you shitting me? I earn a decent swedge but unless they were a close mate, £10 would be the absolute maximum I'd give someone I wasn't friends with - and even then if they were doing something difficult - not just "detoxing" which they might have been planning to do anyway. You should have just waited a while and told him that you added a donation anonymously. Or just say you were skint. Which you now are. Link to comment Share on other sites More sharing options...
throbber Posted June 29, 2016 Share Posted June 29, 2016 "Dryathlon", FFS. Mind when folk used to pretend to actually do something for sponsorship? Yeah - been forced into donating twice now and my gf yesterday sponsored a friend for some fucking cycle she is doing. Now I'm a bit older and wiser and know where all the money in the world is I get more and more pissed off with being asked to be parted from my hard earned for anyone! Nobody ever cares to ask if I already donate to cancer research either it's all about personal glory. Link to comment Share on other sites More sharing options...
gavin_3110 Posted June 29, 2016 Share Posted June 29, 2016 Well done on the job mate. I'm making more of a concious effort to save money. My girlfiriend and I rent our home, just because of where I work really. It's not where I plan to stay long term because its out of the way of family and friends. Over the next year I'm hoping to move job and save enough to buy a house back in glorious South Lanarkshire. I've worked since I left school at 16 and completed a degree about 5 years back , have steadily earned more but having lived on my own for much of that time never managed to save particularly. I seem to manage to exhaust my funds every month , regardless of how much I earn. I've recently started using my card to pay for things less often, withdrawing cash at the start of the week and using that, get a better sense of how much I'm actually spending that way. Although I earn a lot more now, it hasn't made me any happier. I had some shit jobs when I left school and was studying, but there was no real responsibility, you could leave your work at the door, no office politics and I saw my pals every day. I need a bit of a shake, I'm hoping getting back closer to home and into a job with more of opportunities to socialise will help. I've got a couple of interviews in the next couple of weeks which would see me earn a good bit more and also travel a lot less, fingers crossed. Link to comment Share on other sites More sharing options...
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