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  • FIRST POST
    • tinktay84
    • By tinktay84 10th May 11, 10:25 PM
    • 298Posts
    • 948Thanks
    tinktay84
    Millionaire Challenge
    • #1
    • 10th May 11, 10:25 PM
    Millionaire Challenge 10th May 11 at 10:25 PM
    I sat pondering on what ive achieved in my 27 years and realised that anything ive ever said I wanted to do or wanted to have I have managed to achieve.

    Last year after 10 years in catering I completely changed career and last week I achieved a distinction in painting and decorating. This got me thinking that since I always achieve goals I set myself what could I do next....

    Thus the Millionaire challenge!

    So phase 1 is opening a savings account and getting money building up...

    I work for myself so have a bit of control over my earnings, we have 1 property that we rent out and my husband has a decent (secure) job.

    My aim is to get to the million mark by the age of 40 (im 27 now)

    So how many of you think im mad and its impossible and how many of you think i'll do it and have ideas to help me
Page 201
    • grumbler
    • By grumbler 30th Dec 18, 2:16 PM
    • 51,675 Posts
    • 21,913 Thanks
    grumbler
    If you own an 100k house that you have 10k in, and house prices raise 10% you now have 20k left over at a sale of 110k

    You can now buy a 200k house (even if that 200k house was prevouisly a 180k ish house)
    Originally posted by Kayalana99
    Yes, and you'll be 180K in debt instead of 90K. Plus a greater risk of getting into the negative equty. And the amount you can borrow depends on your salary too, not just on the deposit.
    Nothing to be happy about really. And don't forget the tax and the commission.
    If house prices was still at 100k, you might never have been able to afford the deposit on the 200k house.
    Good for you. Don't buy it if you cannot afford it. And if the prices don't rise, you would need to save just 10K more to afford it. If your salary is big enough for the mortgage twice as big as your current one, you can easily do this.
    Or another good situation is your house goes up 10%, you now own around 20% instead of 10% (not exact maths) which means you can now get a cheaper interest rate.
    Yes, this I can understand.

    You make some very vaild points, but it is not all negative house prices rising.

    Also, if house prices do drop 10% it takes away the control of you being able to sell up / move. That 100k house you bought is now worth 91k, with you owning only 1k of the house - you can no longer afford to move in theory.

    Yes you might not have plans too, but it's nice to know you can if you want to.
    So, on balance, if the prices remain the same and don't rise, we all have to be happy, not disappointed like most home owners are.
    And not much to get exited about if they rise.
    Last edited by grumbler; 30-12-2018 at 2:58 PM.
    We are born naked, wet and hungry...Then things get worse.

    .withdrawal, NOT withdrawel ..bear with me, NOT bare with me
    .definitely, NOT definately ......separate, NOT seperate
    should have, NOT should of
    .....guaranteed, NOT guarenteed
    • little_green
    • By little_green 30th Dec 18, 5:46 PM
    • 155 Posts
    • 541 Thanks
    little_green
    Been a long time lurker on this thread and felt it time to post finally.


    I'm 30 and this year I have a bit of a tough year to contend with but I'm determined to be in a good financial position to move forward with my goals.


    This year I am getting divorced and I'm unsure what the will cost financially and emotionally but it must happen and I've just got to get through it.


    I own my home (with mortgage) and I have only 1,400 in unsecured debt which I am paying off as quickly as I can despite it being 0% until June 2020.


    I have an income of roughly 1400 pcm and always budget rigidly (now) haven't always been the best but now I really want to 'grab the financial bull by the horns'.


    I am hoping to achieve my goals by having multiple passive income streams. So far P2P, rent from lodger, bank interest, index funds and bi annual dividends are what I get. They net me very small amounts, nowhere near enough to live off of, but I'm hoping to grow them as much as I can.


    Anyway, hi gang!


    CO x
    Originally posted by CornishOptimist
    hello cornish optimist thanks for getting involved! I'm a noob on this forum too! Best of luck with the divorce. Glad to hear you are grabbing the bull by the horns. Let us know how things go.

    I think modern society encourages people to have it all- the flash cars, fancy holidays, designer clothes, and if you can't afford it just borrow it...
    Originally posted by Luckystepho
    this for sure. Social media is full of people posting highlights from their lives. I read a quote once something like "don't let social media rush you, no one is posting their failures".
    & it's true rarely people post about the times things don't go well or things didnt work out. people tend not to post about the car /house they didnt buy. And it can seem like overnight success, or endless money pulled from thin air.
    It's not even the green eyed monster. As someone said envy is natural so whilst there is an element of that, there are times it's not that I feel envious of what they have or what they have (seem to have) achieved, it's that I feel inferior or inadequate. But I guess it's important to remember that we only see what people want us to see & rarely are we given the full picture.
    • Muhren
    • By Muhren 30th Dec 18, 5:57 PM
    • 1,535 Posts
    • 2,970 Thanks
    Muhren
    It's beyond me why everybody is so obsessed with the price of the house they own, is so happy to see it rising and upset when it falls...


    It's a delusion! Rising prices are BAD for everyone except those who are going to
    • die soon and leave the inheritance to their children,
    • downsize (very few actually)
    • emigrate (again, very few).
    The rest fall into two categories.

    First have no any plans of moving. For them the price of their house is irrelevant. It's not their wealth as they cannot spend this imaginable money.

    Second want to upsize (most, I guess). For them rising prices is a BAD thing.

    Also, it's good for our government, wanting higher inflation (to devalue its debt) and bigger spending (to collect more taxes) fuelled by this delusional rising wealth.
    Originally posted by grumbler

    I am fully aware that it is all relative, but as the purpose of this thread is discussing becoming a millionaire it is going towards increasing my net worth and is why I included it in my post.
    LBM: Dec 2012 - Debt 38,180/ Now 0.
    DFD - 17/04/2016

    Gambling: The sure way of getting nothing from something.


    • grumbler
    • By grumbler 30th Dec 18, 8:31 PM
    • 51,675 Posts
    • 21,913 Thanks
    grumbler
    I am fully aware that it is all relative, but as the purpose of this thread is discussing becoming a millionaire it is going towards increasing my net worth and is why I included it in my post.
    Originally posted by Muhren
    My (vague) point was that for normal people with one property that they own and live in, net worth has to be calculated without the price of the property. It only confuses everything.


    If someone is skint, lives in a 1M small house in London and doesn't want to move, is this person a real millionaire? I don't think so.
    We are born naked, wet and hungry...Then things get worse.

    .withdrawal, NOT withdrawel ..bear with me, NOT bare with me
    .definitely, NOT definately ......separate, NOT seperate
    should have, NOT should of
    .....guaranteed, NOT guarenteed
    • Muhren
    • By Muhren 30th Dec 18, 9:17 PM
    • 1,535 Posts
    • 2,970 Thanks
    Muhren
    I don't disagree with what you are saying regarding house prices. However as this thread is aimed at trying to achieve something, becoming a millionaire, with how you define that up for interpretation. There will be various ways to determine this, but I doubt anyone is that bothered either way, it is more a case of trying to better yourself rather than actually getting to that perceived magical figure.
    LBM: Dec 2012 - Debt 38,180/ Now 0.
    DFD - 17/04/2016

    Gambling: The sure way of getting nothing from something.


    • CEW
    • By CEW 30th Dec 18, 9:36 PM
    • 345 Posts
    • 4,197 Thanks
    CEW
    Long time lurker and very occasional poster here. I just wanted to say that if you want to calculate your net worth then of course the value of your property should be included minus any outstanding loans against it.

    Your net worth is the total of ALL your assets minus any liabilities and your home is an asset albeit not a very liquid one.

    Well done Muhren on your progress.
    That money talks I don't deny, I heard it once, it said "Goodbye"
    • troglodyte
    • By troglodyte 30th Dec 18, 10:34 PM
    • 638 Posts
    • 3,896 Thanks
    troglodyte
    It's beyond me why everybody is so obsessed with the price of the house they own, is so happy to see it rising and upset when it falls...


    It's a delusion! Rising prices are BAD for everyone except those who are going to
    • die soon and leave the inheritance to their children,
    • downsize (very few actually)
    • emigrate (again, very few).
    Originally posted by grumbler

    I agree with you on the whole - if you don't plan to move then it makes no difference what your house is worth, and if you do plan to move and house prices go up by, say, 10%, then your house is valued at 10% more but a house twice the price goes up by double the amount that yours does, making it even less affordable!


    In addition, if you do die, and house prices are high, your beneficiaries will have to pay more tax, so it's better for them if prices go down!


    I often wondered why older people tended to live in run-down houses. I thought it was just because they couldn't bear the disruption of doing the place up, and to a certain extent I'm sure that is true, but of course it also reduces the value of a property for inheritance tax.
    • Chesapeake
    • By Chesapeake 1st Jan 19, 1:23 AM
    • 70 Posts
    • 309 Thanks
    Chesapeake
    Morning all, it's been a while!

    It's great to see so many new posters in here, there was a point where there were only about 4 of us!

    I've been wrapped up in my new (in April) job which has been going really well, I got my 12 month payrise in just 6 months as my boss was chuffed with my performance. My fianc! has also now moved to the brewery from the pub so she is now on regular hours and wages rather than shift work so we can finally plan and budget properly. We've also moved into a real house rather than a caravan and it is sooooo much cheaper than our old one in Cornwall (Hi Cornish Optimist!) as well as being bigger with a garden etc.

    I'm incredibly lucky that my fianc! wants to spend the next two days planning, budgeting and generally sorting our lives out so I don't have to push it on her. She isn't very good with numbers but I'm good at explaining and she trusts me to make the right choices. I'm not 100% sure where our current net worth is right now but I'm pretty sure it's close to -50,000 which is less depressing than it seems! 35k ish of that is student loans and an old business debt that I'm paying off at 10pcm with interest etc frozen so I'm pretty confident we can get the rest paid off by the end of 2019 with out much trouble. We're also starting a wedding fund, emergency fund and personal savings accounts... even if we only stash 10pcm in each it should give us a boost and provide a little inspiration.

    I've found a whole bunch of UK based FI/FIRE blogs over the last few days which have really inspired me to get everything sorted and I'm pretty sure we are going to start our own. I'm not looking to make any money from it (though I'll try!) it's more as a public record to keep us honest, an inspiration for others and also a way to connect with other people in the same situation.

    Right that's enough for now, hope you're all having a good start to 2019!
    • CornishOptimist
    • By CornishOptimist 1st Jan 19, 11:56 AM
    • 42 Posts
    • 75 Thanks
    CornishOptimist
    (Hi Cornish Optimist!)
    Originally posted by Chesapeake

    Hi Chesapeake! Such a lovely part of the world to live in isn't it!


    Hope everyone had a good New Years and is ready to attack 2019 with steely eyed determination!!


    With regards to the house price discussion that's been going on, I really think that you include it, but you treat it like anything else. I mean, anyone who has a stock/mutual fund portfolio doesn't automatically expect it to rise all the time do they? It fluctuates, just like house prices!


    By all means include it into your net worth, but it's totally different to having 1M in liquid assets.
    • Chesapeake
    • By Chesapeake 1st Jan 19, 5:15 PM
    • 70 Posts
    • 309 Thanks
    Chesapeake
    Hi Chesapeake! Such a lovely part of the world to live in isn't it!


    Hope everyone had a good New Years and is ready to attack 2019 with steely eyed determination!!


    With regards to the house price discussion that's been going on, I really think that you include it, but you treat it like anything else. I mean, anyone who has a stock/mutual fund portfolio doesn't automatically expect it to rise all the time do they? It fluctuates, just like house prices!


    By all means include it into your net worth, but it's totally different to having 1M in liquid assets.
    Originally posted by CornishOptimist
    Cornwall is lovely but after 12yrs there it was too small and the tourists drove me barmy!

    I am always a little sceptical when people say property will always rise and rise and rise, if it does we're all screwed!

    I'm actually hoping for a slump in property so that I have a chance of buying anything before I'm 40! Farm sales in Scotland have really slowed down in the last year, some cracking properties have been on the market for 12 months+. I'm hoping that post Brexit things will take a tumble so I can take advantage of it and find my dream farm.
    • Chesapeake
    • By Chesapeake 1st Jan 19, 5:17 PM
    • 70 Posts
    • 309 Thanks
    Chesapeake
    Incidentally the reason I want a farm is because there are almost infinite ways of generating cash on a farm if you can look after animals, grow things, you have buildings to use or a field to turn into a campsite.

    You also can't beat a farm for slashing your COL by producing your own food, energy, etc etc. Not to mention that the farm is a business and you can claim back VAT on most things while not charging it on food produced, fuel and clothes etc are all business expenses etc...

    If you want to be a millionaire and don't mind getting mucky then have a look at some of the awesome parcels of land available North of the Wall.
    • pkings
    • By pkings 8th Jan 19, 11:54 AM
    • 3 Posts
    • 2 Thanks
    pkings
    Agreeing with this one. I have also set myself to achieve a certain amount of money at the age of 24. I'm 23 but I am hoping I get the goal before I turn 25.
    • lessonlearned
    • By lessonlearned 8th Jan 19, 1:24 PM
    • 11,197 Posts
    • 76,117 Thanks
    lessonlearned
    Hello Everyone.

    Just to wish you all a belated Happy New Year. Hope you achieve the goals you have set for this hear.

    Unfortunately I got off to a slow because I have been unwell, but I'm fine now and raring to go.

    First.....a major declutter. Have got the YMCA coming to pick up some unwanted furniture tomorrow then I'm going to get busy, sorting, selling, donating what I can't sell. The spare small bedroom will be turned into a temporary mini gym for now although eventually that will be transferred to one of my sheds.

    Lots to do, lots of ideas, really looking forward to some new challenges this year.
    • CornishOptimist
    • By CornishOptimist 9th Jan 19, 12:50 PM
    • 42 Posts
    • 75 Thanks
    CornishOptimist
    Afternoon guys and girls!


    Hope everyone had a good new years. Hope everyone is feeling positive about 2019!


    So, I'm currently in a total debt situation of 1600 (excl mortgage) 200 of that is for my mum and 1400 on C/C 0% until July 2020. On payday I'm paying mum off in full. I d not have to do this but as I see it, it's a psychological weight off that its one debt cleared and any money can be thrown into getting the C/C paid off that much faster. Hopefully by roughly September this year.


    Divorce:
    2 years seperation will be up in June so things start to happen from then. Not going in with any preconceived ideas or unrealistic expectations. It's going to be unpleasant and lets just get it over with.


    After this, who knows! I have been asked to send my CV to a Plymouth based tech company offering a good salary + commission so potentially 40k a year, well over double what I earn now! Seems too good to be true, is it?


    Investment wise, I know some of you will say that I shouldn't be investing until I have no debt at all. I'm sure there is some rhyme and reason to that but all of it is 0% and not that time sensitive, so I see no harm in 'saving' some money as well.


    I pay into a work shares scheme where I get a 5% discount on market rate for the day of the shares purchase. Currently have 3,000 in this portfolio and receive roughly 28 per xd.


    Currently enjoying P2P lending! I save what I can into there and loan it out. Currently 9 days a month I get my capital back plus interest which gets reinvested into new loans. Self generating money!! The amounts involved are hardly life changing but I have discipline and a willingness to keep chipping in.... especially at 6.2% returns!


    I also have a Multi Index Fund Investment linked to FTSE, S&P 500, Nikkei and DAX, plus bonds and cash. Had it for about 18 months and D/D into it every 30 days. Currently about 70 up on what I've put in, but has taken a battering recently.


    Anyhoo, thats me!


    CO x
    Last edited by CornishOptimist; 09-01-2019 at 2:26 PM.
    • Kayalana99
    • By Kayalana99 11th Jan 19, 8:50 PM
    • 3,493 Posts
    • 6,206 Thanks
    Kayalana99
    Hmm. Well wanted to do a bit of an update before I disapper for a while.

    Me and OH have decided to spilt, I think it's been a long time coming and neither of us (more myself I guess) have been happy for a while but it is hard with young ones.

    Plans are still up in the air atm, I've done the Maths and I can live (unless things change) comfortably with a bit of help (universal credits) for a while and I'm not sure if this may be the best option to just step back and let things ride out - whilst focusing on building my skills/career and degree.

    I did have a wobble and want to go back into my wedding photography, but I would prob of had to give up the degree to do so because of time - but then I would have been able to financially support myself without the help...but doing the maths I would still even then only be getting by unless I got really good really quickly and raised prices to more a professional level but realistically that may have taken 2-3 years in something that I didn't really want to be doing long term.

    I'm honestly ok about everything anyway, I'm more a bit over the place the idea of being on my own (haven't really been single since I was 17 for more then a month or two whoops) but I do believe it will be good for me and he will still see kids regularly and in theory I'll have every other weekend free - so plenty of time to go out and get working on any side projects.

    Just going to focus on improving myself and I might take a few trips abroad over my free weekends - Have not had a passport since I was 18 and even if I just go wander the streets of Paris by myself on a Saturday I think it would do be some good to just sight see! I can't imagine it actually being that expensive for just myself to go...prob 200 for flights then spending money...

    I guess I'm just fed up of living my life on what I 'should' be doing, and I think it's time I started waking up a bit.

    I will bring everything together, I think in a way I have not been happy for so long just having control back of my time and money is going to do wonders. I will update again in a few weeks I suppose - a lot is going on atm!
    People don't know what they want until you show them.
    • Muhren
    • By Muhren 11th Jan 19, 9:43 PM
    • 1,535 Posts
    • 2,970 Thanks
    Muhren
    Sorry to here that Kay. It sounds like it may be for the best, although I know that won't make things any easier right now. It will probably pay to try and look at it long term and try and take the positives from the situation, which is easier said than done.
    LBM: Dec 2012 - Debt 38,180/ Now 0.
    DFD - 17/04/2016

    Gambling: The sure way of getting nothing from something.


    • lessonlearned
    • By lessonlearned 12th Jan 19, 1:01 PM
    • 11,197 Posts
    • 76,117 Thanks
    lessonlearned
    Hello Kay. I am so sorry to hear that. However, I think it's for the best. Sorry if I'm stepping over a line here but reading between the lines I got the impression that you have been unhappy for a while. You seemed to be floundering a bit.

    I know divorce is hard, especially when you have small children, but you are a strong woman and you will find yourself again. You will find your wings ........

    Re Paris. You are right it won't break the bank. Actually the Euro star is even easier, faster and cheaper than flying. If you fly you have to go to Charles De Gaul airport, which is quite a way out. The train takes you straight into the heart of Paris. I think it goes to the Gare Du Nord.

    I love Eurostar. I am aiming for Bruges next time. I've done it for Brussels but not Paris (yet). It's on my list.

    Re your next step......i can see the temptation to try and resurrect your wedding photography. You areobviously good at it but as you say it will be a long haul to get fully established. It depends on how much you actually enjoy it. Is it your passion or just a means to an end.

    How far are you in your degree....is it your second year. Will it help you gain the qualifications to get a good graduate job or training programme.

    I guess you could always go back to photography later with relative ease but if you give up your degree now it might be harder to get back into it.

    A lot for you to think about.

    As for being on your own......well you might even get to enjoy it. adjusting to widowhood was difficult and now that my son has flown the nest then yes I am completely alone. I am actually enjoying it.

    Anyway I wish you all the best.

    Well I have been busy - I am having a major declutter. I have been thinking about this a lot. And I have come to the conclusion that whilst I am in no danger of becoming a hoarder I have been sort of using my possessions as a kind of life raft. Trying to fill the void my husband left, which is daft because "stuff" cannot replace a person. I have dragged mountains of stuff with me through 4 house moves in as many years. Crazy.

    And without getting too philosophical I think my "stuff" has been holding me back, physically and emotionally, keeping me a kind of limbo. So I'm getting rid......and moving forward.

    This week I said goodbye to several items of furnture and I feel better already. We might scoff at Feng Shuey a bit but I think there's something to do it......clearing clutter and freeing up space seems to do something.

    All that freed "chi" (energy) floating around.....

    Ooh I do sound like an old hippy.....

    Anyway time for something to eat.....I am fasting today.
    Last edited by lessonlearned; 12-01-2019 at 1:21 PM.
    • Mrs Arthur Crown
    • By Mrs Arthur Crown 13th Jan 19, 3:57 PM
    • 25 Posts
    • 8 Thanks
    Mrs Arthur Crown
    Not mad at all! Even if you don't reach the million, by trying you will end up with considerably more money than you started with. I haven't read all of this post but as it seems to have started in 2011 it would be interesting to see how the OP got on.


    I'm not a millionaire yet but I will always tell myself I am getting there. When I bought my first house (with a mortgage) I set a challenge of being financially independent by the time I was 40 and thus able to become self-employed (rather than retire). I was actually 44 when I achieved financial independence. My challenge began in the late 1980s, when, interest rates on savings were much higher and climbing (as were mortgage rates) and I was also financially lucky later on with timing regarding a house sale, a period of renting, and a subsequent house purchase. There were a few "windfalls" from "free" shares as well. With a determination to be "rich", a bit of frugality and the help of an "Aussie-style" mortgage I was able to pay off the mortgage early.


    Now that "FIRE" is a thing, I so wish that I had had a crystal ball when I embarked on my challenge. I could have made a million by writing a book on how to achieve financial independence (yes, a book - there was no internet for blogging with then). I was squirreling up to half of my income each month before some of these FIRE bloggers were even born. Hey ho!!!!!!

    I probably couldn't achieved financial independence without the guidance of a financial adviser almost from Day One. He had advised on the mortgage, life insurance and pension and I was quite interested in what he had to say and indeed in what a financial adviser actually did. I hadn't actually come across financial advisers before but I took a slight career change, and ended up working for a lot of rather wealthy people. In general conversation I became aware that they were only able to maximise their (high) incomes with advice from professionals so I stuck with it even though I wasn't on a high income and neither did I have tens of thousands in savings and investments. I moved house a couple of times, and thus changed financial advisers. It was just pot luck that I have now ended up with one who seems to have a crystal ball.

    As I say, I am not a millionaire yet, and quite possibly won't be now as my son has just reached the age of profligacy (his teens), and my husband is currently not working, but there's always the chance of a win on the Premium Bonds and I will never take my eye off the financial ball.
    Last edited by Mrs Arthur Crown; 13-01-2019 at 3:58 PM. Reason: Because one of the sentences didn't make sense
    • Muhren
    • By Muhren 14th Jan 19, 9:54 PM
    • 1,535 Posts
    • 2,970 Thanks
    Muhren
    So I have my total NAV for end of 2018 which is 227,600 including the house, and 105,500 without.



    I have just cancelled my two sharesaves at work and plan to add 4000 to a LISA this tax year and then another 4000 in the new tax year to get the 25% bonus.



    My target for the end of 2019 is going to be 250k, obviously including the house. It will be nice to get to a quarter of the way to the million, so is something to aim towards for sure.
    LBM: Dec 2012 - Debt 38,180/ Now 0.
    DFD - 17/04/2016

    Gambling: The sure way of getting nothing from something.


    • lessonlearned
    • By lessonlearned 15th Jan 19, 12:03 PM
    • 11,197 Posts
    • 76,117 Thanks
    lessonlearned
    Wow Muhren.....well done you.

    Not much to report. Working my way through the massive declutter. Currently the big easy stuff, unwanted furniture etc. I have donated it rather than selling, yes I could have earned a few pennies maybe but not really worth the hassle if I'm honest. We're not talking antiques here....just "stuff". I'll start selling what I can in the spring.

    Anyway gifting brings good karma....... I find if I send stuff out into the world for free, the universe repays in kind.

    This week I have picked up a lovely China tea service for 5. Looked on eBay and the same make sold recently for over 100. I will use it for now and then sell it further down the line. Win-win.

    Also picked up a couple of very nice paintings, again 5 each. They are originals not copies (alas were not talking old Masters ) unknown artist, so its hard to put a monetary value on them but they are pretty and will look nice in my home. I could probably resell them for around 25.

    I also picked up some as new curtains for my dining room, 2.99. Bargain, they would have been at least 60.

    So all in all I'm doing well. I massively overspent on the new bathroom because it practically needed rebuilding so I'm shopping very carefully now to get the renovation budget back on track.

    Landscaping next so that it will have time to mature and the planting become well established for when I come to sell. The house has a good sized wrap around garden, which was a jungle at the front and a desert at the back. Doing the landscaping early on means I can cut costs by buying smaller saplings and baby shrubs, knicking cuttings from friends and family......

    I have already had the monster conifer hedge at the rear removed and new fencing so I can start planting soon. The jungle at the front was cleared more or less as soon as I moved in and the new planting seems to have taken well.

    Still undecided about the kitchen......total rip out or revamp what's there.......
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