For Spotify I got a gift card from Amazon, which gives 12 months for the price of 9. Have to pay it all in one go but its quite a saving (but offer maybe only for individual accounts).
@@zerotree1310 3 months free is not to be underappreciated. All these little savings add up by the end of the year. Plus an upfront payment frees up cashflow throughout the rest of the year! Never a bad thing
That's an incredibly cheap mortgage, I'm looking at getting my first home and I don't think I could get remotely close to that price. Is it a 2 bed home and how much was it if you don't mind me asking?
You make a great point here, and it's a good question to ask. My house was £160k exactly. This was back in November 2019 on a 5 year fixed rate mortgage at 2.4%. (10% deposit) Yes it is a two bed, my house now is worth around £205k (roughly) based mostly on the increases we saw during the COVID years. I'll put out a house tour in an upcoming video so you can get a better idea of house. Back in 2019 comparable properties were roughly £15k - £25k more than what I paid, as mine did need a lot of work which I did myself during the first few months. So you can save a little bit here. I am due to re-mortgage in October, so I will cover this in more detail as I know for a fact I will be paying considerably more at this point than I am now. I feel your pain, looking back when I was buying on a much smaller salary I didn't think I would be able to save to buy a place. But I just cut back where I could and saved as much as possible. It's worth it when you get there!
@@kwameopoku3576 don't mind you asking at all. It took me roughly 18 months. I started saving around £700 a month. But this was too slow. So I got rid of my finance car and this enabled me to up my savings to around £1100-£1200 a month. (Explained in my worst financial mistakes video). During the last 12 months I was also renting a room for £250 (very cheap) so this helped.
@@jonnycavell thank you! Yes I know, this is a lot easier for me to say right now of course. Hopefully if I am blessed in the future with children they won't eat into my savings too much!
@@thereality9784 no this isn't. Once I chartered my salary went to around £37k. I worked in the role for around 2 years before moving up to a £55k role. I believe this is similar for most qualifications (ACCA/CIMA/ACA). This is outside of London and I didn't work for the Big4 either. Both of those factors may command a larger salary sooner 👍
For Spotify I got a gift card from Amazon, which gives 12 months for the price of 9. Have to pay it all in one go but its quite a saving (but offer maybe only for individual accounts).
@@zerotree1310 3 months free is not to be underappreciated. All these little savings add up by the end of the year. Plus an upfront payment frees up cashflow throughout the rest of the year! Never a bad thing
That's an incredibly cheap mortgage, I'm looking at getting my first home and I don't think I could get remotely close to that price.
Is it a 2 bed home and how much was it if you don't mind me asking?
You make a great point here, and it's a good question to ask.
My house was £160k exactly. This was back in November 2019 on a 5 year fixed rate mortgage at 2.4%. (10% deposit)
Yes it is a two bed, my house now is worth around £205k (roughly) based mostly on the increases we saw during the COVID years. I'll put out a house tour in an upcoming video so you can get a better idea of house.
Back in 2019 comparable properties were roughly £15k - £25k more than what I paid, as mine did need a lot of work which I did myself during the first few months. So you can save a little bit here.
I am due to re-mortgage in October, so I will cover this in more detail as I know for a fact I will be paying considerably more at this point than I am now.
I feel your pain, looking back when I was buying on a much smaller salary I didn't think I would be able to save to buy a place. But I just cut back where I could and saved as much as possible. It's worth it when you get there!
@@CourtneyJonesFinancialhow long did it tke to save if h dnt mind me asking kudos to u 👍🏿
@@kwameopoku3576 don't mind you asking at all. It took me roughly 18 months.
I started saving around £700 a month. But this was too slow. So I got rid of my finance car and this enabled me to up my savings to around £1100-£1200 a month. (Explained in my worst financial mistakes video).
During the last 12 months I was also renting a room for £250 (very cheap) so this helped.
You’re doing very well to save that! Just wait until you have kids though…
@@jonnycavell thank you! Yes I know, this is a lot easier for me to say right now of course. Hopefully if I am blessed in the future with children they won't eat into my savings too much!
Hi, is this just your starting salary as a CA in uk with no prior experience and is this the same for acca / aca
@@thereality9784 no this isn't. Once I chartered my salary went to around £37k. I worked in the role for around 2 years before moving up to a £55k role. I believe this is similar for most qualifications (ACCA/CIMA/ACA). This is outside of London and I didn't work for the Big4 either. Both of those factors may command a larger salary sooner 👍
@@CourtneyJonesFinancial I see thanks alot☺
How old r u?
@@user-tu4zb1fg9d 31 👍