[Viktor]

I have seen post that nothing new/interesting being posted on forum lately, thought I share something.

In 2018 I have sold my window cleaning round and started new business. End of 2019 new business failed I found myself broke, divorced and homeless. 2020 decided to restart window cleaning and lockdown came in to place. After Lockdown started to market heavily and within 3 months after many new cleans rebuild my round to a better that the one I have sold.
Still was hard to believe that almost after a decade of work I was penniless. Started 3 months long property investment mentoring program and realised that I have a wrong money mindset.

I read a book "Richest man in Babylon"

Normally while working I would get a take away that would cost me £6-£8 and sometimes lunch takes 45min or even an hour if nothing on route. So decided to prep food to save time. Then daunted that savings I could put in to investment. So started putting away £5 every day and buy some stocks.  That got me so hooked that every time I would think of spending money or wasting time I would think how would that reflect on portfolio. It slowly turned in to £100 then £500 then over a thousand as sometimes I would put extra.

Don't know if anyone is interested in investment or stocks, but if anyone is I recommend reading  "Richest man in Babylon" 
And challenge you to put a little bit away to your investment portfolio 

If you are interested I use Trading 212
With this link you would get 1 free stock up to £100 (I used my brothers link and got 1 Shell share - I know not very lucky    )

www.trading212.com/invite/GIq782zx

[NWH]

I’ve got loads of investment advise but I’m not giving any of it away,do you get my drift from this reply if anything is good tell someone if something is life changing keep it to yourself I find the last point is the best.

[jk999]

Your not related to dazmond are you 🤣🤣🤣

[NWH]

This should be called the S**T sandwich challenge some people just think you are milky tea,you could always give me a ring at about 5 this evening I’ll let you listen to my dialling tone. 👌

[Viktor]

This should be called the S**T sandwich challenge some people just think you are milky tea,you could always give me a ring at about 5 this evening I’ll let you listen to my dialling tone. 👌

Not much to say to that really... 😂

[Mike Burd]

Hope you're well Viktor. And Roland.

[Viktor]

Hope you're well Viktor. And Roland.

Thank you !! I am well so is Roland! He is back in UK
Hope you well too

[Richard iSparkle]

really good post viktor.

great to have this type of thing on the forum.

i'm glad things are turning around for you after what must have been some tough years for you.

inspirational   

[Arnold Palmer]

I've lost £0.06 so far.

Cheers for that.

 

[Viktor]

I've lost £0.06 so far.

Cheers for that.

 

I'll give you back your 6p - just got my Apple dividends paid 

[Viktor]

This should be called the S**T sandwich challenge some people just think you are milky tea,you could always give me a ring at about 5 this evening I’ll let you listen to my dialling tone. 👌

So my sandwich money just made me £400 after vaccination news over last few weeks, do you think I should still bother calling you ? 😁

[CleanClear]

Don't know if anyone is interested in investment or stocks, but if anyone is I recommend reading  "Richest man in Babylon" 
And challenge you to put a little bit away to your investment portfolio 

If you are interested I use Trading 212
With this link you would get 1 free stock up to £100 (I used my brothers link and got 1 Shell share - I know not very lucky    )

www.trading212.com/invite/GIq782zx

Arkad adressed the men assembled: "Beware Bulgarian Forex Traders offering free Gold, for Gold flees the man who would force it to impossible earnings or who followeth the alluring advice of tricksters and schemers or who trusts it to his own inexperience and romantic desires in investment." 
"what about Auto invest and Pies?" enquired Kobbi. "when there is too many fingers in the pie then no one gets a slice" replied Arkad.

[Michael Peterson]

Sorry mate , but not getting a takeaway at work ? I don’t get down like that! Not at all

[H2GoKent]

Good advice is don't spend what you don't need to, then give every pound you save a job, whether that's investing in your business or the stock market

Too many self-employed/small business people spend it while they've got it and then end up scratching around.

The poster is right about even small things like making your lunch and not buying, do the maths, £5-6 a day on lunch adds up to about £1500 a year, put that in your pension, pay it off your mortgage or invest it you will be a lot better off, and that's just one small change, most people could cut back by thousands a year and not make their present life uncomfortable

I'm nearly 50 and personally I want to have choices when I'm older about how much I work so I'm as tight as a Ducks backside (and that's watertight)  always have been

[Shrek]

Good advice is don't spend what you don't need to, then give every pound you save a job, whether that's investing in your business or the stock market

Too many self-employed/small business people spend it while they've got it and then end up scratching around.

The poster is right about even small things like making your lunch and not buying, do the maths, £5-6 a day on lunch adds up to about £1500 a year, put that in your pension, pay it off your mortgage or invest it you will be a lot better off, and that's just one small change, most people could cut back by thousands a year and not make their present life uncomfortable

I'm nearly 50 and personally I want to have choices when I'm older about how much I work so I'm as tight as a Ducks backside (and that's watertight)  always have been

My uncle was tight all his life as he wanted to do them same as you and have choices when he retired. He died age 55 from cancer , life’s too short to not enjoy the money you earn.

[Simon Trapani]

Like most things in life I think you just need the right balance between saving & spending. Try to cover all bases.

[dazmond]

Good advice is don't spend what you don't need to, then give every pound you save a job, whether that's investing in your business or the stock market

Too many self-employed/small business people spend it while they've got it and then end up scratching around.

The poster is right about even small things like making your lunch and not buying, do the maths, £5-6 a day on lunch adds up to about £1500 a year, put that in your pension, pay it off your mortgage or invest it you will be a lot better off, and that's just one small change, most people could cut back by thousands a year and not make their present life uncomfortable

I'm nearly 50 and personally I want to have choices when I'm older about how much I work so I'm as tight as a Ducks backside (and that's watertight)  always have been

I hate tight people......I had one mate who used to drive half a mile out of his way to avoid paying a parking charge.....he invited me and my missus round for sunday dinner once and insisted we pay him £8-50 each to cover the cost of the food!....I thought he was joking but he wasn't!...we didnt go......hes also no friend of mine now....w*a*n*k*e*r....

I also know a school friend who's dad has over a million pound in the bank......he s a real miser!once I caught him photocopying the crossword out of the paper in the local library so he didnt have to buy a paper!he looks like steptoe......

[Arnold Palmer]

Good advice is don't spend what you don't need to, then give every pound you save a job, whether that's investing in your business or the stock market

Too many self-employed/small business people spend it while they've got it and then end up scratching around.

The poster is right about even small things like making your lunch and not buying, do the maths, £5-6 a day on lunch adds up to about £1500 a year, put that in your pension, pay it off your mortgage or invest it you will be a lot better off, and that's just one small change, most people could cut back by thousands a year and not make their present life uncomfortable

I'm nearly 50 and personally I want to have choices when I'm older about how much I work so I'm as tight as a Ducks backside (and that's watertight)  always have been

I hate tight people......I had one mate who used to drive half a mile out of his way to avoid paying a parking charge.....he invited me and my missus round for sunday dinner once and insisted we pay him £8-50 each to cover the cost of the food!....I thought he was joking but he wasn't!...we didnt go......hes also no friend of mine now....w*a*n*k*e*r....

I also know a school friend who's dad has over a million pound in the bank......he s a real miser!once I caught him photocopying the crossword out of the paper in the local library so he didnt have to buy a paper!he looks like steptoe......

[H2GoKent]

Good advice is don't spend what you don't need to, then give every pound you save a job, whether that's investing in your business or the stock market

Too many self-employed/small business people spend it while they've got it and then end up scratching around.

The poster is right about even small things like making your lunch and not buying, do the maths, £5-6 a day on lunch adds up to about £1500 a year, put that in your pension, pay it off your mortgage or invest it you will be a lot better off, and that's just one small change, most people could cut back by thousands a year and not make their present life uncomfortable

I'm nearly 50 and personally I want to have choices when I'm older about how much I work so I'm as tight as a Ducks backside (and that's watertight)  always have been

My uncle was tight all his life as he wanted to do them same as you and have choices when he retired. He died age 55 from cancer , life’s too short to not enjoy the money you earn.

I went on holiday four times last year, so I think I tick both boxes.

[H2GoKent]

Good advice is don't spend what you don't need to, then give every pound you save a job, whether that's investing in your business or the stock market

Too many self-employed/small business people spend it while they've got it and then end up scratching around.

The poster is right about even small things like making your lunch and not buying, do the maths, £5-6 a day on lunch adds up to about £1500 a year, put that in your pension, pay it off your mortgage or invest it you will be a lot better off, and that's just one small change, most people could cut back by thousands a year and not make their present life uncomfortable

I'm nearly 50 and personally I want to have choices when I'm older about how much I work so I'm as tight as a Ducks backside (and that's watertight)  always have been

I hate tight people......I had one mate who used to drive half a mile out of his way to avoid paying a parking charge.....he invited me and my missus round for sunday dinner once and insisted we pay him £8-50 each to cover the cost of the food!....I thought he was joking but he wasn't!...we didnt go......hes also no friend of mine now....w*a*n*k*e*r....

I also know a school friend who's dad has over a million pound in the bank......he s a real miser!once I caught him photocopying the crossword out of the paper in the local library so he didnt have to buy a paper!he looks like steptoe......

Maybe deep down he didn't want you to actually come round. 

You'll notice I said most people could cut back on excess crap and still be very comfortable

I guess I'm not actually tight, but I won't 'rent a life style' by leasing a car for example or having high interest loans to buy unnecessary crap like most people do, I prefer going places to having a house full of odds and ends.

So I usually make my lunch and save that money, but I will go out to dinner to a nice restaurant or go away for a weekend

Its a fine balance between 'no pockets in a shroud so go spend it' and 'it's cold when you can't afford to heat your house on your state pension, cos you peed all your money away when you were young;