u/anon9876543210nymous

Honestly that has got to be the most rigged sub reddit not allowing for fruitful discussions.

Happy to have sexist comments against men.

L sorts of vile comments last season

As soon as you go against the grain. The moderators get a hissy fit

I've been banned since posting this because I found out the affiliation and moderator actually uses bots to make fake post to like post and to comment and it's the same moderator and probably only a handful are different people. It's no more than 1 person with multiple accounts. You think your arguing with members of the sub but it's the mods making alter accounts a big reddit violation

• He was literally saying he wouldn't be with her if he really didn't feel anything.

• She concurred.

• He said I can't wait for the outside

• I can't wait for a year, 2 or 3 years from now... Lol her face was frozen..

Does she even like him

Has her friends and fam been interview yet. Which episode were they on on aftersun or talk shows?

Smica has scamrajed him.

I think he got feelings but she hasn't.

I feel bad for people moving here asking about actual dengerous areas but the poster doesn't no none the wiser.

My biggest tip for anyone moving to UK specifically London is research.

1. What a council estate is

2. What political party is in most favour for the borough

3. As someone who's been here nearly all my life and observed different areas I realised council estates is london version of the ghetto in USA. The purpose is obviously for less fortunate people but with that comes vulnerable and danger. Low unemployment and lots of diliquients.

Not every area, but be ready to be exposed to lots of things in a small confined area, racial slurs, knife crime, robberies, crime crime crime, woman danger by men or woman in gangs. .

Essentially be street smart.

So I know when I'm visiting areas with council estates, I won't wear things I'm comfortable in, I'll cover up more, have a bag close to me, keep my phone in my pocket, make sure to have things in my pocket. If there are group of boys I k ow how to behave. Yes this applies all over London. But if I walk down my road or go Oxford Street I have no issues wearing a. Vest. Hair nice makeup nice.

Phone in my hand, no fear that someone will get away with something. Usually they attack tourist or people that aren't street smary.in a quiet council estate it's all different.

I know some estates are better than others. There minority mix so some minorities won't even pay attention to me being a minority but if it's completely English estate then there are more racial slurs I notice a d lots of boys being asbo. I heard of some knife crime popular estates that I never felt unsafe to walk through and never been bother by. But that could just be me. So estates are big and confined like the bronx and some are partially open where others can see in.

2. Political party. There's clearly reform changes happening so be aware and almost certain that the estate will ha e alot of people who support the reform. Use that information to your own will. But like I said above it's all about being street smart.

Street smart starts with being informed.

Rumour has it where I live has a large reform support. I didn't know this. But always knew my British neighbours were racist. They would say things to me about other ethnic groups but because I fit in and I don't stick out they never direct their racism at us. But my area is safe probably some estates but it's not somewhere I activetly go to. Usually see drugged and all sorts of people shouting and lingering in and out but doesn't affect me. I just know where I pass a road to hold my phone tight. You might say that's anywhere, but trends and patterns don't lie.

Unfortunately when you don't fit in, it's difficult.

But yeah as ethnic, as women, as expats. We got to make do.

I really can't wait for his true colours to come out. You can see how ostracised he made Julia feel especially when so many people were ganging up on her.

When Julia expressed she wants a coffee. Lorenzo doesn't have gesture issues, he just wants to be performative and make it seem like he's too nonchalant for that.

I feel if any of the girls behaved like lorenzo... Then hell will break loose about lorenzo...

He wasn't respectful to yasmin in their couple. Emotionally manipulative is the ebdt way to deacribe him.

I think anyone coming on this TV show knowing full well they want fame at the end of it are sick when they're playing with people's emotions in the meantime. I'm not saying yasmin didn't also recouole but lorenzo was so emotionally evasive.

Lorenzo is a type of guy girls stay away from when he point black won't meet your love language why change a guy that's avoidant. Are we that desperate as woman.

I hope Julia finds someone

Genuinely had this opinion for a long time but was never online during S3 or had reddit then.

But I've always thought they were catty behaviours. I saw straight through them. I think Amber only wanted to propel her acting career and never truly liked kem.

And liv wanted the limelight and genuinely gas lit Chris the entire time. I view her like faye

And I'm glad liv true colours came out to the general public.

At the time I like mike thalasitis.

And when the public thought he was a villain I was completely against that view tbh.

Disclaimer before any sarcastic comments. I've had the lowest of lows when it comes to life and finances... I was very scrounge for a while then scrooge now.. I'm like this. So if you're going to be sarcastic no point.

It's got to the point where I feel like I don't really respect money. I do give myself a budget, and I can technically afford the things below, but it's more my attitude towards money that I want to change.

For example,

• il don't over spend but if I want to buy beauty products. I will just for the sake of trying it. So if the colour doesn't suit me I won't use it. Or if I don't like the smell I throw away. Or if i don't like the texture on my hair it goes in the bin. Some items can cost 4-10 each and I can easily spend £40 over the course of a month or few months WASTING MONEY AND WASTING ITEMS. or giving it to someone

• I'll buy a meal deal knowing that if I don't like it, I'll just throw it in the bin and buy something else.

• I'll also buy coffee shop drinks, sometimes 2-3 times in one day without really thinking about it.

• If I'm out with a friend, I can easily spend £50. We'll spontaneously decide to go to a restaurant, and I'll order whatever I want. Or we'll be walking around, and I'll randomly buy things from shops that I never planned on buying.

Even if I've made plans to go somewhere simple like a park, I'll still end up spending £20+ on food and drinks on the way, even if we've already planned to eat afterwards. My friends and family seem happy to stick to the original plan, skip the café, and wait until the planned meal. I just seem to splurge and buy, buy, buy.

• The same happens with food. We cook at home and I genuinely plan to eat homemade meals, but on the way home I'll randomly buy food or order a takeaway instead. I'm rarely intentional with my spending.

• Or me paying for uber boats. In London you can get quick boat rides depending how close you live to the river which is triple the cost I spend on public tube, but sometime I want to be boujee.. Like when I go out I want to cut the travel time and it's fun to get on the boat but it not saving me money lol

• I don't really plan when it comes to money. I have a rough monthly budget, but after that I just spend whatever I feel like, and sometimes I even go over it. So that's after I have accounted for saving investing expenses and fixed expenses.

Has anyone else been like this and successfully changed? I'm not really looking for budgeting apps or ways to earn more money. I want to change my mindset and become more disciplined and intentional with spending.

I've share opinions he has for the longest time and his analogies are subpar. Because we all know it. Glad he's spreading the word.. But

He doesn't play emphasis on improving and implementing change. What could possible change include besides just saying tax wealth.

Can we go into how it will functionally work and pro and cons. So we can keep the conversation moving

His videos are becoming repetitive rants

Disclaimer before any sarcastic comments. I've had the lowest of lows when it comes to life and finances...

So if you're going to be sarcastic no point.

It's got to the point where I feel like I don't really respect money.

I do give myself a budget, and I can technically afford the things below, but it's more my attitude towards money that I want to change.

For example, I'll buy a meal deal knowing that if I don't like it, I'll just throw it in the bin and buy something else.

I'll also buy coffee shop drinks, sometimes 2-3 times in one day without really thinking about it.

If I'm out with a friend, I can easily spend £50. We'll spontaneously decide to go to a restaurant, and I'll order whatever I want. Or we'll be walking around, and I'll randomly buy things from shops that I never planned on buying.

Even if I've made plans to go somewhere simple like a park, I'll still end up spending £20+ on food and drinks on the way, even if we've already planned to eat afterwards. My friends and family seem happy to stick to the original plan, skip the café, and wait until the planned meal. I just seem to splurge and buy, buy, buy.

The same happens with food. We cook at home and I genuinely plan to eat homemade meals, but on the way home I'll randomly buy food or order a takeaway instead. I'm rarely intentional with my spending.

I don't really plan when it comes to money. I have a rough monthly budget, but after that I just spend whatever I feel like, and sometimes I even go over it.

Has anyone else been like this and successfully changed? I'm not really looking for budgeting apps or ways to earn more money. I want to change my mindset and become more disciplined and intentional with spending.

Sometimes I blow my budget if I go with a certain friend where she laughed one time when I told her I had a budget and do find myself going over my budgets despite me being able to afford it.

Or me paying for uber boats. In London you can get quick boat rides depending how close you live to the river which is triple the cost I spend on public tube, but sometime I want to be boujee.. Like when I go out I want to cut the travel time and it's fun to get on the boat but it not saving me money lol

I'm assuming there's high earners here so please disclose your job/ salary if your comfortable, but I'm curious if you love your job, like it, is it stressful or not?

Basically pro/cons about your job

I'm average earner working 37.5hours a week. Love my actual job and wouldn't want to switch career unless I feel forced. No potential to earn more =(.

Grim question.

What should I prepare for before during and after

I rather prepare now way before that day comes. How do we explore pension, do I need any bank details or anything. How do I handle bills. What details do I need.

Do I need to close anything

Inform anything

I rather start preparing with all that information right now.

I've got approx 80k invested in stock isa

My DB pension is different and seperate. I've Lisa and feel like changing it to stocks lisa or just investing it because it's so stagnant for what it is but I don't like the brokers that do stocks Nd share for Lisa. ​

I also got some more cash in savings account which I slowly try to invest but really don't want to as debating between house purchase or not.

​

Total Networth about 139k

​

I contribute about 1000 - 1400 a month to 'saving'

​

Can I just stop at this point and let it snowball into something. Apparently investments double every 10 years so in 30 years I might have £300k

​

Do I still have to contribute to this? Can I start lowering how much I send to savings and investments now because honestly I just want to live a bit more.

​

June 20 2026

As it is being a average London earner gets you nowhere more than being a low earner. Especially if you trying to gain financial independence. Look how many people can afford living alone after graduating or even buying a home.

I feel we take 1 step forward 10 steps back.

The number 1 rule to investing is = capital at risk only invest what you can. When most off us start out we save our capital for needs and emergencies first then we invest what we won't need in the short term.

When starting off we typically get told not to keep money under our bed, put it into a savings account or isa. For some this emergency fund could be a 10-20k fund before we can safely save a substantial amount to invest

Removing this flexibility of choice is damaging to low earners and the frikenn woman with horns seems to not be for labourers.

New rules. From 2027

• - 12k cash isa limit

• - 22% tax on stocks and share isa holding uninvested cash

• - Possible limit to moving cash between ss isa and cash isa

• - New savings tax for basic earner is of 22% and 42% for higher,

• - Dividend Allowance: You can receive up to £500 in dividends tax-free.

• - Dividend Tax Rates: Any dividends above the allowance are taxed at:Basic rate: 10.75%Higher rate: 35.75%Additional rate: 39.35%

Starting off okay it may not heavily affect all but I remember naturally saving into A CASH isa.. When I had something substantial I moved it to another cash account and I did that for a while. I had 20+k uninvested for a long time before thinking to invest. Because EMERGENCIES HAPPEN.

• Now I'm on the other side and I have so much uninvested because I'm debating putting in a deposit, saving for emergebcy, saving for a holiday now I have to make sure I don't earn interest over a certain amount and intentionalky pick shit interest rates.
• it's frikenn annoying . Not only is the savings rate awful for anyone who earns higher rate especially if you've only just entered high rate
• I now need to wonder about dividends and the tax for what I've earned so far. It's frustrating and unnecessary

Always curious about others networth and their age/ salary/. Married/sharing expenses /single or joint owner/ gender but just knowing other people's achievement

Also curious if you include emergency fund and holiday/spending money fund as part of your networth.

Some days I do and some days I don't.

So I may keep doing these updates just so I can search on my profile and see my mindset my overthinking and how far I've come to realign me.

Don't want to go into my sob story. But here I am not planning to retire but pretending I will. Jk.

Retirement : I like to look at an alternative sort of retirement maybe lean fire but maybe something else who knows.

Work: I have contributed so much to my networth portfolio and was over working which I finally stopped that I remember when I contemplating chnaing jobs and a career change. Changing job meant that I lose my overtime opportunity which in the past year had I stayed meant earning extra 4k a year or within few months.

No regrets whatever still working full time.

**USING MY TIME FRUITFULLY.**

I don't enjoy much and really loved my job and still do but unlike my old role which was extremely burnt out frenzy, my new role is too calm there's really not more I can do to turn it up a notch.

Without doing overtime I don't enjoy much hobbies. I go gym. Socialise out every now and then. Don't enjoy it.

* I really want to spend my time doing something rewarding. I can't volunteer because they're fully booked

* I don't enjoy stationary activities unless it involves socialising or teaching. So presenting alright teaching alright but I u used to do that in past and don't enjoy it anymore.

* I don't like knitting sewing painting gardening collecting items, animals, insects, family related activity.

**Please suggest avitivities or volunteering you do that is fruitful and rewarding for yourself or even a job you took up**

*I really love my job because it's a specialist healthcare job and in my old role I had so much responsibilities and was always on my feet, socialising and problem solving. Now I'm good for nothing and it's making me depressed, even though it's the same role, different places want you to do different things and I really don't like where I'm based*

Overtime is hard to come by and doesn't pay as well as my other place.

*the salary is obviously good but I really don't want to change jobs again*

I original posted this mid 2025 to another sub. Now it's May 2026.

£100,000 is 135,208.50 United States Dollar

Today May 2026 my networth is approx £130k~$176k

Here's my previous updates I made throughout the years if interested:

https://www.reddit.com/r/LeanFireUK/s/HCTmrUvyYh

OVERVIEW

Here's my tips, what I learnt and how I dealt with inconsistency in order to reach 100k. For those who struggle with spending, overspending, overwhelming behaviour, feeling a failure, and not knowing where to start.

The point is to help on how to save capital before even thinking about investing.

This is going to be vague. I'm not going to be sharing my sob story, and if you feel I have an unfair advantage then click out. My mind works a hundred miles an hour and there are too many factors to deeply consider everything.

Realise there are physical, emotional, and social factors to saving.

• SPEND and get lifestyle creep over and done with.

• When I got my graduate job and full time job around 2018 Initially I spent so much money when I got paid I was socialising and eating out all the time, buying a Starbucks before work, during work after work. I wasn't a huge socialiser and this stopped pretty soon. I saw my biggest lump sum of £5000 and told myself well if I got this I can spend as much as I want with every payslip. So if this makes you feel better then do this, get the lifestyle creep out of your system ! I went from scrounging to having 5k then feeling overwhelmed that I'm not doing anything so I had to get it out my system.

BUDGET

• Look at your income. Deduct every single Vital SPEND. With the remainder take a small portion for 'fun' and send the rest to 'savings'

HOW TO SAVE

• I used to withdraw cash between £500 monthly to £,££ every 6 months.

• I used to keep it in my mattress. I forgot about all that money and one day I counted it I had 3 grand..

• Overbudget, car is 88 a month? To me that is 90. Food is 33, to me that 40. Round up for essential spends so you don't feel guilty.

I HATED WITHDRAWING ALL THE TIME AND GOT COMPLACENT.

• I opened savings account and automatically sent money there.

• I kept renewing and changing them and also collected interest on it. overtime interest adds up.

• I worked more and sent all that money minus expenses to my savings account. I got to use whatever money laying in my checking or main account without worry about savings.

• ROUND UP feature most banks have now where it rounds to the nearest £/$ and sends it to easy access saver. I currently send about 40 and that adds up.

• I worked over 70 hours a week and therefore had opportunity to make more and save more.

• I went from eating out to taking pack lunch now I can afford eating at work but I oscillate and change what I do. I barely get hungry at work and stopped eating for a while. Now I will buy bread and eat that for lunch.

SALARY

• if we talk about my main career from 2018 I went from average salary. I still have average salary. I just didn't spend more I saved every payrise and overtime.

I wasn't shy to make expensive purchase if needed like I changed my phone once. I bought a laptop.

MORE SAVING TIPS

• I GET COMPLACENT AND CHANGE MY BEHAVIOR ALL THE TIME

• having a investments ISA in 2020 helped me dip my foot in the market. I just put little amount, left it it for a few months then a few years. I didn't add money to it because people say oh make sure you are consistent but set and forget.

• I started adding more money 2022 and 2024.

• Now I am comfortable enough to automatically send to my stocks account.

TIMELINE AND ACCOUNTS

• Use multiple accounts to forget you have that money

• When I reach my first 10 k I started worrying about investing more and thinking of housing.

• I started putting money to vanguard

• Open a LISA immediately after my first lump sum and put money just before the financial year ended.

• I forget about money in my room and other accounts as capital so when I had another 10k I became more adventurous in allocating money. I locked a lump sum in high yield fixed saver ever year for 3 years. Year 1 I made a couple hundred year 2 a couple more year 3 over a grand. I don't count or plan that interest into my forecast I see it as free money.

• I made over 6 grand extra a year at work for a limited time due to overworking.

• I sent over 12 k to a fixed 1 year saver and made a grand. So now my savings can make me up to a grand if I keep them in short saver accounts. Anyway where my money is is very complex and beyond the scope of this.

SPENDING

• I reduced my bills for 1 year

• I went between sharing to lodging with family to living alone to lodging To living with family

• I went from eating lots to reducing it which reduced the costs

• didn't go hairdresser or socialise much

• when I started making more money I then socialised more and made holiday sinking fund in the above accounts I told you to have.

• So don't be afraid to save towards fun stuff I have a fun account and this used to be 50 now it's about 700. A lot of sinking funds aren't included in my overall savings and networth this helps reduce the psychological impact which I struggle with compartmentalising.

FINAL THOUGHTS

• A lot of people want to invest asap. But why? Don't feel shame if you cannot.

I didn't touch a lot on lifestyle. I'm not a financial advisor. Purely a singular non parent perspective, Resides London UK.