2020 About Me
Mike 54 years old, Manchester.
Husband of one, Father of three
Homeowner who has moved from a very expensive interest only self cert mortgage at 4.4% to a capital and repayment mortgage at 1.9%
Didn’t start a pension until last year – but now saving over £400 and month through company pension scheme so now have just over £5k in there, and its building.
The dream job that I started in 2018 is slowly becoming a chore, and my mind and ambition is wandering a little. I’ve set myself a target of retiring at the age of 62, but would love to chuck my job and make a living out of my hobby of fishing (and I’m dam good at it). So for the rest of this year I’m going to start making a second income from fishing and see if I can turn it into a full time income.
In addition to my pension savings, I’ve now managed to put together a family emergency fund of £4,000 and our families monthly savings have now increased to £600 a month — and we have £25,000 in our Investment ISA accounts. I will write a few blog posts about this in the near future so look out on the pages below
2019 About Me
Mike 53 years old, Manchester
Husband of one, Father of three
Homeowner with mortgage family home (interest only – expensive interest rate duhhh) –
Only started my pension savings in 2019 – a legacy of 30 years self employment and stupidity, but now
In 2018 I took on full time paid employment for the first time in my life after leading a crazy self employed living from one free lance gig to another for 30 years – I now have my dream job
Financial status – Rocky but improving.
Once I get the time – I will write a brutal biography here for you to read…. but in the mean time all I will say is that for the first 45 years of my life I was completely fucked up,, firstly by my parents (who I still love) then by myself (a complete screw up), a first wife (the witch) who didn’t do much for my self esteem, a second wife who rebuilt it, and now finally in late middle age a sudden realisation of who I am, what I am, and what I want to do.
To sum me up – a very happy husband and father, hard working, bright, outgoing and getting my finances straight so that I can retire wealthy and pass my cash on to my kids when I kick the bucket…. and try to make sure that they have a better life and less money troubles than I have.
Being rich isn’t the be all and end all – leading a rich life and having lots of great experiences and friends is more important -but its nearly impossible to lead this sort of life when you’re broke.
Being broke is a symptom of low self esteem, and never being shown the right way to set your life on the right path.
Parents, school and advertising/consumer society is the cause of this…. over the coming months I will give my thoughts and opinions on this via posts on this site,, and offer an alternative way of leading your financial life.
