u/DependentRange9666

Hi guys,

I wondered what your thoughts were on the following :-

Im 37 and not a high earner my base salary is £43,000 and Ive currently got a vanguard ftse global all cap stocks and shares portfolio worth £197,000 currently. This is split £103,000 in isa and £94,000 in GIA. Im shifting £20,000 across from gia to isa every new tax year.

I currently pay 6% to get my employer 12% match into workplace pension with a minimum £645 a month going in. Ive started put all overtime and small yearly bonus in to pension via salary sacrifice aswell.

Pension is invested in standard life overseas tracker fund and is currently worth £77,000

Ive got £20,000 emergency fund to one side and modest mortage free home and 0 debt.

Should i stop contributing £500 to the GIA and increase my basic % workplace pension contribution and aim for increased tax efficiency?

Im just looking to fine tune my plan and wondered if anyone else has done similar.

Thanks.

Hi guys, just wondered what you would do in my situation.

I used to live alone in a 3 bed semi for 6 years but moved back into my rental property which is a 1 bed coach house with no garden. I moved as the semi had paper thin walls and bad neighbours and i had 6 years of hell.

The coach house is nice and quiet but is causing different issues now as the street is too small for all the people's cars and its like a parking war. I drive home anxious in my work van wondering if im going to be able to park.

I also have a dog and this is causing issues as no garden as you can imagine.

The neighbors have a bad habit of parking in front of my drive and they did it again today and i couldnt get my car off the drive again so ive had a big ding dong with the neighbours and told them where to go.

This place is causing me stress and i dont feel its suitable despite my financial position being very comfortable.

Im mortgage free on this coach house which is worth about 130k with 215k cash available.

Im wanting a detached property with a decent driveway to have my car and work van side by side.

Ive seen a nice one at 325k.

Im 37 amd single and earn 43k basic.

Is a 50k mortgage at 250 per month for 30 years really the end of the world.

It would also hopefully leave 50k odd inssavings aswell.

This place im in now isnt a forever home and seems to be making my day to day life quite difficult

I feel my argument in my mind is i love being mortgage free with really good savings but the property im living in is causing me stress and anxiety

Sorry for rambling

Cheers ​

Hi guys, im currently working for a large water utility company as an electrician and have got an internal interview for a HV electrician role. Ive got no experience of HV but they are providing all training etc

The interview is a competence interview using the star format.

Ive started to write out some possible questions and answer scenarios.

So far ive made notes and examples on -

Safe working

Breakdown / pump failure

Team working

Panel Fault finding under pressure.

I have the experience and qualifications they are looking for just a bit nervous about the interview process.

Really want to get this job as i think it would be a fantastic opportunity.

Any hints or tips or advice welcome.

Cheers

Hi everyone, i wanted to see if you could take a look at my finances and let me know where you think i could improve.

Im 37 and have been saving since i was 21 when i passed my apprenticeship as an electrician. Im single and have a little girl who is 7 who lives with her mum.

My basic salary is £43,000 on a 4 day week 37 hours a week. With standby rota and overtime on top can earn £55,000 to £60,000.

Im mortgage free on a £130,000 property

£193,000 invested in vanguard ftse global all cap index fund. I add £500 per month to this

£73,000 invested in standard life overseas tracker pension fund. I add 6% and employer 12% per month. Minimum of £645 per month going in. Any overtime i do i try to put all this in via salary sacrifice.

£21,000 emergency fund.

10 year old car paid off and no debt at all.

I put £800 per month aside for fun money and try make myself spend this.

My take home pay is about £2720 and my total direct debit bill outgoings are about £1100 which includes my child maintenance payment of £500.

Anything i could change or improve? im aware ive not done bad and as you guys know it requires a lot of discipline and sacrifice.

Sorry i forgot to add ive also got £7000 in my daughters vanguard ftse global all cap junior stocks and shares isa.

Thank you.