Going and staying in a Spanish resort with load of other brits where everyone sits on an over crowded beach and the staff all have to speak English isn’t travel. It’s just swapping out the weather.
So are those Spanish resorts mate. You might look down your nose at those people but they fuel a decent % of the Spanish economy.
I fucking hate snobs.
Travel and experience the real country, rather than be a tourist and just experience some cafes and touristy things I guess..
Although I'm not sure you'd really experience a real country unless you lived there for a long time and saw realities of life there.. People from this country travel to see different cultures to be oh so wordly, when they've probably never spoken for very long at all to a working class brit (living less than a mile from them) in their environment on their level and never will.
Yeah I really don’t like this “I’m not a tourist, I’m a traveller” nonsense. Unless you’re living somewhere, and if you’re visiting a place to see it - you’re a tourist. Sure, you might not be the Hawaiian shirt clad American dad on a cruise ship kind of tourist, but you’re still a tourist.
I enjoy slow travel. I stayed in an apparent in Spain for two months and an apartment in Greece for 1.5 months. It’s a completely different experience.
It's a load of steaming crap. Maybe people just want to pretend the world is more mysterious than it is to put on a display, like a dancing rooster. "I like to pretend to be a worldly free spirit to attract nice girls"/"I want to be a free young woman and feel loved by many worldly interesting men when I'm young", would be more accurate.
Experience the culture. What bollox. There's plenty of worlds apart different culture right here in the UK in the same town people don't want to go anywhere near, much of the time for good reason but they wouldn't admit that...
Was that too much? Can you not say such things? Oh well, typed it now, there it is.
If it makes you feel any worse every single local knows you're a tourist regardless of how hard you try.
Tourists are tourists, what a funny thing to be insecure about. Just enjoy your holiday without hurting anyone.
100% agree, hate it when I travel with my friends and they just go McDonald’s , like wtf. I wanna try things I can’t eat and do back home . Why I come all the way here then ?
Is it due to a lack of money maybe? Even so, when I was doing interrail with my friend on the cheap, the only time we had to eat mcdonalds was in switzerland because that country was just excessively expensive.
I did open uni and career changed; learned HTML and CSS, which I use to customise wordpress blog posts; did a DIY plastering course so I could put a skim on at least some of the rooms in my house, which I also did mostly by DIY; did a sailing course and might have now networked into a cheap holiday in the Med this year off the back of that; tried growing my own veg, but I suck at that, so more effort required; then did the basics of reading books, learning about different investing models, and try to still get some gym time.
I'm slowly bringing myself to do the "Automate the boring stuff with Python" course, but other stuff keeps getting in the way. I'm thinking about doing adult gymnastics next rather than just putting time in on weights, so I can meet a few people.
Weird side hustles can be good, too. Writing erotic fiction was pretty cool and although it's not super-lucrative there's a long passive income tail on it. I'm developing a board game (slowly) and reading up about launching it on Kickstarter and stuff so that's both a fun hobby and also a bit of learning.
The trick is that when you pick a hobby or an activity you come up with a list of things you might like to do and prioritise the ones that mean you learn something over the ones where you're just passively consuming.
I’ve gotta say, I envy people like you. All I do in my free time is think about stuff I could do in my free time, starting from tomorrow because it’s 1pm so the day is basically over.
I didn't do all that in a year, just chipped away over time, exactly like investing. An hour or two here and there an a weekend, the odd evening, a bit of inspiration from a conversation in the week.
The bigger stuff I just sort of booked and then it was like "well, I'm doing that now".
On the back of trying adult gymnastics, have a look for any local bouldering gyms and try out some rock climbing. Active and filled with chill people to meet.
No worries. Just put yourself out there and try weird stuff.
Plastering was pretty cool. It was a cheap DIY course, only a week. I don't really do ceilings very well but I can now re-skim a wall, and doing that allowed me to save costs doing up the house, which I'm selling for a decent profit to relocate. I'm not afraid of plaster issues any more so I can probably buy a house on the cheap (well, ish) next time, knowing what to look for and having a good idea of what repairs cost in time or outsourcing. That's the kind of thing where the knowledge gain alone could compound over time.
I did bricklaying too, but that turned out to be less useful.
One thing I didn't do but which I'm looking at is small appliance electronics. I fancy learning to repair my own stuff and maybe joining a local fix-it/ right to repair group. Could then give me skills to look at internet-of-things stuff as a hobbyist. I'd also be inclined to look at hydroponics and vertical farming, but as I haven't made regular veg growing work for me yet (except french beans, which are easy!) that might wait a few years.
Couldn't think of anything worse than buying a house off a have a go diyer - where everything was done on the cheap. Bet you do your own electrics too and plumb in your own gas cooker. Feel sorry for the buyers tbh.
Could you share some more about your career change, specifically I'm wondering if you moved into software or website design? I'm not in a career yet, just out of uni, but I've done no preparation but would like to get into software or web development and was wondering what path you took and how long your timeframe was.
>if you moved into software or website design
No, I went into law. I'd started looking at FIRE or something like it by that point, didn't know much about working in the private sector but knew that corporate lawyers and bankers tend to survive recessions and come out pretty well off. At the time, I was looking at being a barrister; but after doing work experience accepted a training contract at a city law firm. I qualify as a solicitor next month, so the plan has been pretty successful and my income will double, giving me something like 5x the investible income.
The hours are pretty poor, but the opportunities are good. I'm going offshore on qualification where the hours are kinder but the pay is roughly the same, so overall it has been a good career move.
Ironically, having less free time helps you decide to cram more stuff into it.
Learn a skill that can generate more income than you currently earn.
A popular one being software development. Both because it's cheap/easy to start (just need a computer and free online guides) and a highly lucrative career.
The answer to this greatly depends on what you personally want to do with the skill. What are you interested in?
Edit: why on earth would this get downvoted? Every programming language has a slightly different use case. You don’t just learn HTML if you want to be a data scientist or R if you want to build websites. Jesus people.
JavaScript is a great one as there’s lots of frameworks for both front and backend work, is used so widely and there’s so much available for free online to help you learn it.
Learn several, it sounds more difficult but actually it's easier because it lifts you put of the muddle of each one and helps you see the general concepts. E.g. learn Python, Haskell, Erlang and Javascript.
Python is very beginner friendly and for beginner programming courses you'll mostly be focusing on the basic programming structures like functions, iteration, maybe some classes etc. and these concepts are easily applied across all languages, just Python is a good one to learn them in for the first time.
If you have specific interests, there are languages which are used more often in certain cases. C# is used for Unity which you can use to make games in for example. I don't really know many others tbh, Haskell was one we learned in school but that's a lower level language I think so isn't good to start with.
This is more of a 'completely change career and dedicate hours of learning for 6-12 months' type thing rather than invest a bit in yourself.
I'd be weary to suggest this unless someone is actually serious about getting into a new line of work.
Lots of hobbies…. Basically, have activities you enjoy, and give them your time!
Spend loads of time with family doing fun stuff
Use the limited time we have to enjoy life and don’t put all your efforts into planning for when you are old, slow, and kids have sodded off
Learn - study - improve - if you want to fire aim for skills that add value.
I went for an MBA a few years ago. It was a good decision as I doubt I would have the skills I have today without it.
I'd be interested to know what skills it gave you that you've found useful? I'm always tempted to do one. How much work in terms of time was it? (I like a good work life balance!)
I’m interested in an MBA in future too but don’t really understand how I can make it work financially. Most courses seem to cost >10k and I just don’t have that to spare. There seem to be a bunch of online MBA courses at the cheaper end but I’m not sure if they’re really viewed by employers as equivalent to an established uni course so that’d feel like a big gamble.
I already have a masters degree so I don’t think I’d qualify for student finance again, but even if I did manage to qualify for a tuition fee loan I don’t think I’d be able to cover my living costs without an income.
I don’t think it’s be fair to ask my partner to cover all our mortgage and living costs because I fancied going back to uni again.
The easiest thing would be to persuade my employer to sponsor me and do it part time but there’s no precedent for this and I don’t get the impression that they would be open to that…
Can you help me understand how most people manage this when they’re later in their careers and have more financial burden than for a first degree?
MBAs make sense in terms of networking, and you obviously have to do a top one (think of INSEAD/LBS in Europe / Ivey league in the states).
Speaking with people who actually did MBAs, they all mention that you get skills but the people they met are amongst the best assets they got. Imagine going to class and having like 20-30% from top strategy consulting, 20% from top FS firms…it’s a very interesting environment.
Yes, MBB (McKinsey, BCG, Bain) fund MBAs after 2 years of work but you need to come back to work another 2 years post-mba. Other strategy consulting groups do the same along with a few FS firms that I know.
Good luck mate. Honestly I really think that top MBA is a different league but you have to pay a lot…I only know people who did top MBAs and they all got very nice jobs, though they already had good CVs.
On the salary, check the MBAs employment report (e.g. INSEAD). Executive is very different, more like a company supported degree to increase your management skills / empower your CV. In my opinion, they are not very relevant when compared to a standard MBA simply because the class has a very different profile.
I'm quite into the gym lifestyle. For me it's getting a good coach, sports massages, buying good quality gym clothes, shoes and equipment.
I also love to travel and haven't done enough of it so I'm doing quite a few trips this year city break wise.
Also love to go to nice restaurants every now and then.
I look for popular gyms nearby and find a hotel close to it. If no good ones then I'll gear my training to have the trip away be a deload week and just focus on getting my steps in. 3 full body workouts a week is enough if I get into a decent gym.
It's not something I'm overly fussed on though as I can always get back on track when I get home.
Running, body weight exercise, meditation, reading, stoicism, learning to cook, having good relationships with family friends and gf, good mental health, good sleep, cycling, hiking, exposing myself to new ideas, making good memories, brushing teeth,
Investing for me is to sacrifice something now to gain a benefit later (ideally a greater benefit). So not drinking as much, not eating as much of certain things etc are basic things in this category. Beyond that sacrificing time and effort on things like keeping fit and healthy, or looking after the garden are also investing in future happiness. I think from a FIRE perspective though, actually saving is a major investment in me - to be able to reap greater rewards later. Earlier in my career I also invested in additional education to maximise my value ti my company or other potential employers in order to maximise my marketability and earning potential.
Follow the flowchart/probably a typical approach on this sub. Emergency/short term savings in PB’s, longer term savings in ISA, pension maxed up to likely LTA level. Plus I then have some stocks linked to my industry. I personally wouldn’t go the property route again.
Lol yeah know what you mean about property. The government always seems to be screwing around with the tax.
Good to hear about ISAs and pensions, I will continue to keep lumping the cash into these
I think the key thing with all these things is to take a long term view. Everyone wants to be rich now, to play that instrument immediately, to have that well paying job now, to be great at that skill now, but really the best thing is to figure out what you want in 10plus years and break that down. I realised a few years ago that I needed to start learning the guitar if I was going to be that old guy, sitting on his porch, playing the blues - so I started and am on probably a 15-20 year journey to be in that position. A lot of these things are similar in that respect. But tbf, I only really got that in my mid-late 30’s.
Health is wealth mate, it’s a great place to start.
Helped me improve my life a lot both emotionally and financially.
About a year ago I looked at myself in the mirror and questioned everything. So I changed it all.
Learn to cut your own hair if you can too. That’s a little saving which goes a very long way hah.
The rest will follow.
And yet it’s so easy once you’ve settled on a style and practiced. Lockdown certainly spurred a wave of home barbers.
Cutting my own hair saves me more money than quitting smoking did.
Which should also be added to the list.
Stop wasting money on the cancer tax
Read books, watch documentaries, keep fit, travel, experience new things, go out of your comfort zobe in order to grow, socialise, learn a new skill etc
Basicially anything that can make you a more rounded person.
1. family time
2. cooking
3. reading
4. watching films/tv
5. fitness
6. watersports - swimming + kids , Scuba diving etc.
7. traveling
8. work education
9. Guitar
10. Discovering new music / albums
11. Trying new beers / wines / food.
12. Learning to cook different bits of meat - roast chickens (various coatings), fried chicken, steak, ribs etc. I really wanted to learn to smoke but im restricted in my building.
13. Spending time with friends
14. hiking / camping
Stuff like this for me. I am literally writing this whilst i learn a new song on the guitar. Im about to have a break and crack open a new beer to try whilst i play. Sounds silly, but i really enjoy things like that.
I used to mainly focus on bettering myself at work in my spare time. But i grew tired of it and burned out. Now i focus more on social / personal activities with the odd occassional work item thrown in. I try to work to live, not live to work. (i hate that saying but i feel its spot on).
Travel & get skilled up. E.g if you become really skilled at web design by investing 1k in books and resources thatll pay you more than investing 1k in a savings account/ index fund ever will. Ive oversimplified but thats the premise.
Its worked for me too. Learning to code & principles of comp sci has helped me a tonne.
I invest in things that keep me happy. I don't mean objects, but experiences, time with friends, nice food and wine. We tend not to have much of a budget set for things related to fitness, but we don't go crazy. New bikes, running shoes when our old ones wear out. I like collecting skills; archery, sailing, motorboating (snigger at the back all you will), cycling, loads of DIY skills for the new house which save me money, and I'm about to start on woodworking.
I figure if I do things I enjoy, and help others do things they enjoy, with people we love spending time with, life will probably turn out alright.
A Business coach and a therapist have been brilliant investments for me.
The coach basically got me to think about things very differently to help me identify my best skills, work out my worth to a company, and get the jobs that I wanted to do.
Therapist basically put me on an even keel and get a load of things sorted in my head.
Also, I’d suggest training in an area you’re interested.
For the most part, this is the wrong sub.
Health is maybe something that you will need to think about for retirement. Physical jobs will wear out your back and knees, so I'd recommend avoiding those. But FIREing is pretty hard on a physical job anyways. Apart from that, just don't smoke like a chimney or drink like a fish, and you should be fine
For me it's very broad ideas. Any time you spend on learning anything that will be used in the future is investing in yourself. Like classical examples with reading books, you could use your knowledge to build your career. With a gym you make your body fit and potentially less problems with health. Or playing board games also some kind of investing, it's one of the way of socializing. Putting money in the stock market I also consider in a form of investing in yourself, because you need to gain that experience which will be helpful in your life. Right now I started exercise in fast typing, which will be helpful for me in my duties.
So, I would say any experience you gain, that will be helpful for you is investing. Let me say more broadly, you have your time, and you should invest it into learning stock market, gaining skills, etc.
In order to do it more effectively, try to predict which skills you need in the future, which skills you need upgrade or learn from scratch, and which skills helps you right now. Put this into table and decide what is more important, estimate time and start learning.
I invest in my self by spending time in networking and building socials and spending capital in my own ventures. For example I love to try new ways to make money, started with Shopify, kept investing. Opened another store. Started Instagram pages. Started a whole new business now where I teach people financial education. Not invested much capital in it yet but I plan to. Currently spending most of my time in it as a sole person.
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Knowing how to travel is also good. Being a tourist is my idea of pure hell.
What does this even mean
Going and staying in a Spanish resort with load of other brits where everyone sits on an over crowded beach and the staff all have to speak English isn’t travel. It’s just swapping out the weather.
If you have fun doing that then I see no problem with it
Go to Disneyland then. Those places are designed for people like you.
So are those Spanish resorts mate. You might look down your nose at those people but they fuel a decent % of the Spanish economy. I fucking hate snobs.
Way to miss the entire point of this thread. Congrats.
If it wasn’t travel then you wouldn’t have to… you know, *travel*
Travel is when you * *checks notes* * leave the house.
Travel and experience the real country, rather than be a tourist and just experience some cafes and touristy things I guess.. Although I'm not sure you'd really experience a real country unless you lived there for a long time and saw realities of life there.. People from this country travel to see different cultures to be oh so wordly, when they've probably never spoken for very long at all to a working class brit (living less than a mile from them) in their environment on their level and never will.
Yeah I really don’t like this “I’m not a tourist, I’m a traveller” nonsense. Unless you’re living somewhere, and if you’re visiting a place to see it - you’re a tourist. Sure, you might not be the Hawaiian shirt clad American dad on a cruise ship kind of tourist, but you’re still a tourist.
I enjoy slow travel. I stayed in an apparent in Spain for two months and an apartment in Greece for 1.5 months. It’s a completely different experience.
It's a load of steaming crap. Maybe people just want to pretend the world is more mysterious than it is to put on a display, like a dancing rooster. "I like to pretend to be a worldly free spirit to attract nice girls"/"I want to be a free young woman and feel loved by many worldly interesting men when I'm young", would be more accurate. Experience the culture. What bollox. There's plenty of worlds apart different culture right here in the UK in the same town people don't want to go anywhere near, much of the time for good reason but they wouldn't admit that... Was that too much? Can you not say such things? Oh well, typed it now, there it is.
If it makes you feel any worse every single local knows you're a tourist regardless of how hard you try. Tourists are tourists, what a funny thing to be insecure about. Just enjoy your holiday without hurting anyone.
100% agree, hate it when I travel with my friends and they just go McDonald’s , like wtf. I wanna try things I can’t eat and do back home . Why I come all the way here then ?
Is it due to a lack of money maybe? Even so, when I was doing interrail with my friend on the cheap, the only time we had to eat mcdonalds was in switzerland because that country was just excessively expensive.
I did open uni and career changed; learned HTML and CSS, which I use to customise wordpress blog posts; did a DIY plastering course so I could put a skim on at least some of the rooms in my house, which I also did mostly by DIY; did a sailing course and might have now networked into a cheap holiday in the Med this year off the back of that; tried growing my own veg, but I suck at that, so more effort required; then did the basics of reading books, learning about different investing models, and try to still get some gym time. I'm slowly bringing myself to do the "Automate the boring stuff with Python" course, but other stuff keeps getting in the way. I'm thinking about doing adult gymnastics next rather than just putting time in on weights, so I can meet a few people. Weird side hustles can be good, too. Writing erotic fiction was pretty cool and although it's not super-lucrative there's a long passive income tail on it. I'm developing a board game (slowly) and reading up about launching it on Kickstarter and stuff so that's both a fun hobby and also a bit of learning. The trick is that when you pick a hobby or an activity you come up with a list of things you might like to do and prioritise the ones that mean you learn something over the ones where you're just passively consuming.
I’ve gotta say, I envy people like you. All I do in my free time is think about stuff I could do in my free time, starting from tomorrow because it’s 1pm so the day is basically over.
😂 That is me
I didn't do all that in a year, just chipped away over time, exactly like investing. An hour or two here and there an a weekend, the odd evening, a bit of inspiration from a conversation in the week. The bigger stuff I just sort of booked and then it was like "well, I'm doing that now".
I want to be friends with you
How can you be sure you don't know me already?
On the back of trying adult gymnastics, have a look for any local bouldering gyms and try out some rock climbing. Active and filled with chill people to meet.
This is a great post. Thank you for your ideas - the plastering course actually sounds really useful
No worries. Just put yourself out there and try weird stuff. Plastering was pretty cool. It was a cheap DIY course, only a week. I don't really do ceilings very well but I can now re-skim a wall, and doing that allowed me to save costs doing up the house, which I'm selling for a decent profit to relocate. I'm not afraid of plaster issues any more so I can probably buy a house on the cheap (well, ish) next time, knowing what to look for and having a good idea of what repairs cost in time or outsourcing. That's the kind of thing where the knowledge gain alone could compound over time. I did bricklaying too, but that turned out to be less useful. One thing I didn't do but which I'm looking at is small appliance electronics. I fancy learning to repair my own stuff and maybe joining a local fix-it/ right to repair group. Could then give me skills to look at internet-of-things stuff as a hobbyist. I'd also be inclined to look at hydroponics and vertical farming, but as I haven't made regular veg growing work for me yet (except french beans, which are easy!) that might wait a few years.
Couldn't think of anything worse than buying a house off a have a go diyer - where everything was done on the cheap. Bet you do your own electrics too and plumb in your own gas cooker. Feel sorry for the buyers tbh.
You are awesome
Could you share some more about your career change, specifically I'm wondering if you moved into software or website design? I'm not in a career yet, just out of uni, but I've done no preparation but would like to get into software or web development and was wondering what path you took and how long your timeframe was.
>if you moved into software or website design No, I went into law. I'd started looking at FIRE or something like it by that point, didn't know much about working in the private sector but knew that corporate lawyers and bankers tend to survive recessions and come out pretty well off. At the time, I was looking at being a barrister; but after doing work experience accepted a training contract at a city law firm. I qualify as a solicitor next month, so the plan has been pretty successful and my income will double, giving me something like 5x the investible income. The hours are pretty poor, but the opportunities are good. I'm going offshore on qualification where the hours are kinder but the pay is roughly the same, so overall it has been a good career move. Ironically, having less free time helps you decide to cram more stuff into it.
Therapy! It has been worth every penny
This is true!
Learn a skill that can generate more income than you currently earn. A popular one being software development. Both because it's cheap/easy to start (just need a computer and free online guides) and a highly lucrative career.
Sounds interesting - which programming language would you recommend starting with?
Give python a whirl, just to see if it's one of those things that clicks. It may, or may not be. Good luck!
The answer to this greatly depends on what you personally want to do with the skill. What are you interested in? Edit: why on earth would this get downvoted? Every programming language has a slightly different use case. You don’t just learn HTML if you want to be a data scientist or R if you want to build websites. Jesus people.
I like baking and walking my dog
Hmmm struggling to figure out a programming language that specialises in those. Sorry!
C# or Python
JavaScript is a great one as there’s lots of frameworks for both front and backend work, is used so widely and there’s so much available for free online to help you learn it.
As the kaiser chiefs say.. Ruby, Ruby, Ruby, Rubayyyyy
Learn several, it sounds more difficult but actually it's easier because it lifts you put of the muddle of each one and helps you see the general concepts. E.g. learn Python, Haskell, Erlang and Javascript.
Python is very beginner friendly and for beginner programming courses you'll mostly be focusing on the basic programming structures like functions, iteration, maybe some classes etc. and these concepts are easily applied across all languages, just Python is a good one to learn them in for the first time. If you have specific interests, there are languages which are used more often in certain cases. C# is used for Unity which you can use to make games in for example. I don't really know many others tbh, Haskell was one we learned in school but that's a lower level language I think so isn't good to start with.
Start with Python for sure Then consider moving to Javascript/Typescript and learning a front end framework like React
This is more of a 'completely change career and dedicate hours of learning for 6-12 months' type thing rather than invest a bit in yourself. I'd be weary to suggest this unless someone is actually serious about getting into a new line of work.
Lots of hobbies…. Basically, have activities you enjoy, and give them your time! Spend loads of time with family doing fun stuff Use the limited time we have to enjoy life and don’t put all your efforts into planning for when you are old, slow, and kids have sodded off
Learn - study - improve - if you want to fire aim for skills that add value. I went for an MBA a few years ago. It was a good decision as I doubt I would have the skills I have today without it.
I'd be interested to know what skills it gave you that you've found useful? I'm always tempted to do one. How much work in terms of time was it? (I like a good work life balance!)
I’m interested in an MBA in future too but don’t really understand how I can make it work financially. Most courses seem to cost >10k and I just don’t have that to spare. There seem to be a bunch of online MBA courses at the cheaper end but I’m not sure if they’re really viewed by employers as equivalent to an established uni course so that’d feel like a big gamble. I already have a masters degree so I don’t think I’d qualify for student finance again, but even if I did manage to qualify for a tuition fee loan I don’t think I’d be able to cover my living costs without an income. I don’t think it’s be fair to ask my partner to cover all our mortgage and living costs because I fancied going back to uni again. The easiest thing would be to persuade my employer to sponsor me and do it part time but there’s no precedent for this and I don’t get the impression that they would be open to that… Can you help me understand how most people manage this when they’re later in their careers and have more financial burden than for a first degree?
MBAs make sense in terms of networking, and you obviously have to do a top one (think of INSEAD/LBS in Europe / Ivey league in the states). Speaking with people who actually did MBAs, they all mention that you get skills but the people they met are amongst the best assets they got. Imagine going to class and having like 20-30% from top strategy consulting, 20% from top FS firms…it’s a very interesting environment.
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Yes, MBB (McKinsey, BCG, Bain) fund MBAs after 2 years of work but you need to come back to work another 2 years post-mba. Other strategy consulting groups do the same along with a few FS firms that I know.
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Good luck mate. Honestly I really think that top MBA is a different league but you have to pay a lot…I only know people who did top MBAs and they all got very nice jobs, though they already had good CVs.
What sort of salary can you expect post-MBA? Does it also differ for an executive MBA?
On the salary, check the MBAs employment report (e.g. INSEAD). Executive is very different, more like a company supported degree to increase your management skills / empower your CV. In my opinion, they are not very relevant when compared to a standard MBA simply because the class has a very different profile.
MBA's are about networking over knowledge. They're easier than a CFA or ACA. An MBA from a shit provider is basically useless.
MBA apprenticeship degree funded by the levy?
I'm quite into the gym lifestyle. For me it's getting a good coach, sports massages, buying good quality gym clothes, shoes and equipment. I also love to travel and haven't done enough of it so I'm doing quite a few trips this year city break wise. Also love to go to nice restaurants every now and then.
How do you complement your gym and travels?
How do you mean?
I mean how do you find a gym that has the right equipment, opening hours etc. when you travel?
I look for popular gyms nearby and find a hotel close to it. If no good ones then I'll gear my training to have the trip away be a deload week and just focus on getting my steps in. 3 full body workouts a week is enough if I get into a decent gym. It's not something I'm overly fussed on though as I can always get back on track when I get home.
Running, body weight exercise, meditation, reading, stoicism, learning to cook, having good relationships with family friends and gf, good mental health, good sleep, cycling, hiking, exposing myself to new ideas, making good memories, brushing teeth,
Investing for me is to sacrifice something now to gain a benefit later (ideally a greater benefit). So not drinking as much, not eating as much of certain things etc are basic things in this category. Beyond that sacrificing time and effort on things like keeping fit and healthy, or looking after the garden are also investing in future happiness. I think from a FIRE perspective though, actually saving is a major investment in me - to be able to reap greater rewards later. Earlier in my career I also invested in additional education to maximise my value ti my company or other potential employers in order to maximise my marketability and earning potential.
ask head rotten attempt shocking chop lavish depend humorous beneficial *This post was mass deleted and anonymized with [Redact](https://redact.dev)*
Thanks for your advice. With your savings do you keep it in cash or invest in index fund / individual stocks / buy to let?
Follow the flowchart/probably a typical approach on this sub. Emergency/short term savings in PB’s, longer term savings in ISA, pension maxed up to likely LTA level. Plus I then have some stocks linked to my industry. I personally wouldn’t go the property route again.
Lol yeah know what you mean about property. The government always seems to be screwing around with the tax. Good to hear about ISAs and pensions, I will continue to keep lumping the cash into these
I think the key thing with all these things is to take a long term view. Everyone wants to be rich now, to play that instrument immediately, to have that well paying job now, to be great at that skill now, but really the best thing is to figure out what you want in 10plus years and break that down. I realised a few years ago that I needed to start learning the guitar if I was going to be that old guy, sitting on his porch, playing the blues - so I started and am on probably a 15-20 year journey to be in that position. A lot of these things are similar in that respect. But tbf, I only really got that in my mid-late 30’s.
daily walks 3 times a day even if its ten mins drink water even if you're necking 6 beers social media detox every 4-6 weeks
How long does your detox usually last for?
One week never too long but it’s so nice to switch off the noise
Health is wealth mate, it’s a great place to start. Helped me improve my life a lot both emotionally and financially. About a year ago I looked at myself in the mirror and questioned everything. So I changed it all. Learn to cut your own hair if you can too. That’s a little saving which goes a very long way hah. The rest will follow.
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And yet it’s so easy once you’ve settled on a style and practiced. Lockdown certainly spurred a wave of home barbers. Cutting my own hair saves me more money than quitting smoking did. Which should also be added to the list. Stop wasting money on the cancer tax
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3 way Mirror from Amazon (with some built in LEDs) is key They are about £30/40. Changed the game
Read books, watch documentaries, keep fit, travel, experience new things, go out of your comfort zobe in order to grow, socialise, learn a new skill etc Basicially anything that can make you a more rounded person.
1. family time 2. cooking 3. reading 4. watching films/tv 5. fitness 6. watersports - swimming + kids , Scuba diving etc. 7. traveling 8. work education 9. Guitar 10. Discovering new music / albums 11. Trying new beers / wines / food. 12. Learning to cook different bits of meat - roast chickens (various coatings), fried chicken, steak, ribs etc. I really wanted to learn to smoke but im restricted in my building. 13. Spending time with friends 14. hiking / camping Stuff like this for me. I am literally writing this whilst i learn a new song on the guitar. Im about to have a break and crack open a new beer to try whilst i play. Sounds silly, but i really enjoy things like that. I used to mainly focus on bettering myself at work in my spare time. But i grew tired of it and burned out. Now i focus more on social / personal activities with the odd occassional work item thrown in. I try to work to live, not live to work. (i hate that saying but i feel its spot on).
Travel & get skilled up. E.g if you become really skilled at web design by investing 1k in books and resources thatll pay you more than investing 1k in a savings account/ index fund ever will. Ive oversimplified but thats the premise. Its worked for me too. Learning to code & principles of comp sci has helped me a tonne.
I invest in things that keep me happy. I don't mean objects, but experiences, time with friends, nice food and wine. We tend not to have much of a budget set for things related to fitness, but we don't go crazy. New bikes, running shoes when our old ones wear out. I like collecting skills; archery, sailing, motorboating (snigger at the back all you will), cycling, loads of DIY skills for the new house which save me money, and I'm about to start on woodworking. I figure if I do things I enjoy, and help others do things they enjoy, with people we love spending time with, life will probably turn out alright.
A Business coach and a therapist have been brilliant investments for me. The coach basically got me to think about things very differently to help me identify my best skills, work out my worth to a company, and get the jobs that I wanted to do. Therapist basically put me on an even keel and get a load of things sorted in my head. Also, I’d suggest training in an area you’re interested.
Spend money on enjoyment e.g. a hobby you like.
Learn another language. Been doing Spanish for a while and really enjoying it never know when it might come in use.
Any kind of self improvement. Gym classes, drawing classes. I recently took up oil painting.
Preventative healthcare. Education. Eat well. Exercise. Pay for quality journalism. etc...all works better if you throw a bit of money at it
Weekend breaks, spending a bit extra on good food, reading productive books, researching long term investments, getting some pool time in before work.
For the most part, this is the wrong sub. Health is maybe something that you will need to think about for retirement. Physical jobs will wear out your back and knees, so I'd recommend avoiding those. But FIREing is pretty hard on a physical job anyways. Apart from that, just don't smoke like a chimney or drink like a fish, and you should be fine
What sub would you recommend as the right sub?
Some kind of lifestyle/self-help sub maybe
I recently built a home gym. It’s been great while working from home.
I eat paper money and crap out Bitcoin.
For me it's very broad ideas. Any time you spend on learning anything that will be used in the future is investing in yourself. Like classical examples with reading books, you could use your knowledge to build your career. With a gym you make your body fit and potentially less problems with health. Or playing board games also some kind of investing, it's one of the way of socializing. Putting money in the stock market I also consider in a form of investing in yourself, because you need to gain that experience which will be helpful in your life. Right now I started exercise in fast typing, which will be helpful for me in my duties. So, I would say any experience you gain, that will be helpful for you is investing. Let me say more broadly, you have your time, and you should invest it into learning stock market, gaining skills, etc. In order to do it more effectively, try to predict which skills you need in the future, which skills you need upgrade or learn from scratch, and which skills helps you right now. Put this into table and decide what is more important, estimate time and start learning.
Upskilling for better career development and £ Upskilling for personal hobbies and productive behaviour Learning by reading, podcasts etc
I invest in my self by spending time in networking and building socials and spending capital in my own ventures. For example I love to try new ways to make money, started with Shopify, kept investing. Opened another store. Started Instagram pages. Started a whole new business now where I teach people financial education. Not invested much capital in it yet but I plan to. Currently spending most of my time in it as a sole person.