Advice 70k savings living in HMO @35
Discussion
Currently living in HMO house share have no debt
Have 65k in savings account chase and currently at 5k in premium bonds. Last 6 months only £25. works out about 100ish a year no big prizes.
Present salary around 40-45k varies panel beater. Pensions standard min contributions have about 15k pot. Now pensions. Looks like they lose money each year rather than make the pot increase.
Get about 220 p/m from savings account not in any ISA, worried by PAYE take home will change next year.
@35 only 70k savings is pretty piss poor but is what it is, wouldn't even buy a flat. But do have my T5 camper.
Jobs in Europe as LTD paid weekly but with just British passport max 3 months out of 6. Tempted then 3 months in UK as LTD Then repeat. Have zero idea how this works in setting up as agency say i have to do this myself and they offer no financial advice.
Feel as if treading water at present just existing with no plan.
Have 65k in savings account chase and currently at 5k in premium bonds. Last 6 months only £25. works out about 100ish a year no big prizes.
Present salary around 40-45k varies panel beater. Pensions standard min contributions have about 15k pot. Now pensions. Looks like they lose money each year rather than make the pot increase.
Get about 220 p/m from savings account not in any ISA, worried by PAYE take home will change next year.
@35 only 70k savings is pretty piss poor but is what it is, wouldn't even buy a flat. But do have my T5 camper.
Jobs in Europe as LTD paid weekly but with just British passport max 3 months out of 6. Tempted then 3 months in UK as LTD Then repeat. Have zero idea how this works in setting up as agency say i have to do this myself and they offer no financial advice.
Feel as if treading water at present just existing with no plan.
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