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