u/TheMechanic123

Breakdown

Income: Conservative estimate 25k - 26k a year at current.

Current Savings:

A. £10,000 within easy-access ISA at 1.25% (yuck)

B. £4,500 within Stocks ISA diversified across 2 low-risk ETFs

C. £2,400 (pre-bills) within current account, would typically move to either A or B depending on what is left.

D. £1,250 within locked ISA at 3.3% (Self-Employment Tax savings)

Current Notable Debts:

A. Mortgage at 4.8%, started a month ago, locked for 5 years.

My plan was to move half of A in with B and leave 5k as 3-6 month emergency, but the current savings account at 1.25 is not ideal. If anyone thinks there is a better way to make the most of a modest situation, I'm all ears!

My first post here so if you'd like a little more info to make better judgements please let me know!

Hello all!

29m working professional who currently attends 1 session a week at Ravelin on my own for belay climbing. I'm not that good, can do 5+ on their slab/face climbs on belay and suck at most the free solo climbing.

Normally go on a Wednesday. If you are interested I'm happy for anyone to tag along :)

Hi all, 29m who currently goes to Ravelin once a week solo to do the belay climbing. I'm not amazing, can do their 5+ on slab/face and not very good on the free solo wall. Still a beginner in lots of regards.

If anyone is interested in teaming up, I'm about!