Tag: #personalfinance
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December 2024 – End of the year.
Family Trip to the Cinema Thanks to the points from the loyalty programme of one of the leading stores, our whole family went to the cinema to watch Moana 2. The promotion allowed us to exchange points for a voucher worth double the amount. In our case, we exchanged £21 (in points) for a £42…
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November 2024: New Beginnings and Financial Milestones
Real Estate This month, for the first time, I received the full rent payment for the flat I rent out in Poland. I also paid an 8.5% tax advance. In Poland, you can choose to pay tax either monthly or quarterly, whereas in the UK, taxes are paid after the tax year has ended. Blog…
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Mortgage Overpayment or Invest?
For some time now, I’ve been pondering whether it’s more beneficial to overpay our mortgage or instead invest that money into a Stocks and Shares ISA (DISCLAIMER). While digging around the internet, I came across a couple of YouTube videos. The first one made me realise that every year we pay £12,700 to our lender,…
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£3312 leak plugged!
Listen to the full article on my YouTube channel! Finally, after a year and a half of struggles and uncertainty, we did it! It all started after the pandemic, when government spending drove inflation up. Until then, with just one income, our family of four could more or less make ends meet. We could afford…