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I want to compliment you, you have said it all. I am a little business owner and I really want to expand my business to the next level by making myself an investor but I really don't know how to go about it..

imagine investing in Btcoin earlier.... You could have been a multi millionaire precently

You are right. Been thinking of going into gold and cyptocurrency

It's obvious everyone is doing this online Investment

​@@Kennet.Bell. I totally agree with you it has been an eye-opening experience for a lot of people.

@@mvdthreestrikesjujitsu6613 it is tough out there for people in different situations for sure. My house is relatively small and I purchased it a little over 5 years ago which is why I was able to get a low mortgage compared to now. What everyone is struggling to adjust to is the permanent lower standard of living compared to a decade ago. The printing of money during COVID had embedded in the economy now and that's, in my opinion, what we were all feeling. Some moreso than others unfortunately. Doing your best as a single parent through this is an achievement in itself, I know that might not be comforting but thanks for sharing your experience 🙏

@@OMs-cu4tz I'm 32 now. Thank you for the kind words, appreciate the comment 🙏

@@marycash183 I have a detailed video out about my journey to become a chartered accountant. I went through the same degree as you so it should be a good guide to follow. In short though, a few more years of studying towards a professional qualification and then you should be there 🙏 Great question, all the best.

@@thecap5222 I actually managed this on less money to begin with. I only started earning £55k after being in the house for a few years. I will put out a detailed video on this next to show the timeline, but in essence it was two years of saving while renting a small room and doing pretty much nothing 😅 not the most glamorous of stories but it's what I did. No help financially no. Good question, thanks for the comment 🙏

@@thecap5222 you're spot on with this. It used to be my salary (£27k) when I purchased my house. I put out a video recently on budgeting on this wage, but it is considerably harder now with the cost of living impacting everyone.

@@MyCommonSenses it's for sure a view shared by many. I think money in general doesn't go as far as it did a decade ago. But then we have more technology and conveniences now which increase the cost of living in general too. It's a great discussion point. As the average salary is way lower it's hard to square away what a 'good' wage actually is. I do believe budgeting, living within your means and having a realistic view of what lifestyle is achievable all helps. But I appreciate I'm saying this from a fortunate position. It's a subject I want to touch on more in future so thanks for sharing your views 🙏 (Not sure what you'd want to save people from 7 minutes of my incredible editing skills though 😂). All the best.

@@KEDAMONOISTHEBESTFRFR yes they're a killer. I just treat mine as extra tax that'll get wiped off when I retire. As it does get wiped there is no point overpaying, in my opinion. I'd rather just focus on investing in other assets that I can use later in life and just let the repayments run their course over 30 years.

@@m93i a van is like a cheat code 😅 you can save so much money being able to do odd jobs yourself without needing to rent one. It costs the same as running a car too so it just ends up being a car with a massive boot! We also have some upcoming plans this year with it which I will share soon. Glad you liked the template. More glad to hear you're budgeting too 🙏 Appreciate the comment.

@@Venturec4pital good question. Bulgaria is where we're setting up. Beautiful country. We're cash flowing the entire project so we didn't get financing, probably why it's taken so long 😅 almost at the finish line so will share the entire process in an upcoming series. Appreciate the comment 🙏

WTF !!!! is that possible? you get paid in cash???

@ i have high earning jobs but it is very stressful both are at risk so might be made redundant in 2025, that is my net amount straight into my bank account

@@DanDoesDev rent is tough nowadays. When I used to rent I think it was around £550 for a one bed. This was 7 years ago now but shows the rate at which it's increased! My mortgage has gone up now since remortgaging in November, but it's still manageable.

@@user-vg1tt3vg9y I didn't either until I started looking into them. So it was 5 years ago I got my house, so I had a 5 year fix which I remortgaged in November 2024. Video is up explaining this process. In short you have to remortgage at the end of your term, usually either 2 or 5 years depending what you picked (other terms are available of course). Hopefully this helps. Thanks for the comment, good question 🙏

@@philharrison2991 I am not sure what you're referring to? Do you mean cost of living? I think in general the sentiment across the country is that it's more expensive now than say 5 years ago. But for me, I am very fortunate and I do accept that. This video is just an example of my situation.

@@mobolajiakinola3 welcome to the channel. Appreciate the support 🙏

@@Jordiejam this could be the case. There are a lot of changes now with HMRC being able to link to your bank account to see what you've earned. Always worth making sure you're below this amount for sure.

@@stockmarketmaniac thank you 🙏 it's been a great experience and this was just the icing on the cake. Appreciate the support. All the best.

@IbrahimArif-qy4eo it goes up year on year. I have just put out an updated salary video with a detailed budget for 2025 👍 Good question, thanks for the comment 🙏

@@CourtneyJonesFinancial thank you for replying! by the way how much years of expereince have you had to be getting a 55k salary and also how much does it increase yearly?

@IbrahimArif-qy4eo you're welcome. I will always aim to reply it may just take me a little while, so thanks for the patience. So I had around 3 years experience after becoming chartered, and then had worked in finance for around 3-4 years before that. So in total you probably need a good 6 years under your belt... In my experience. To be honest, I've seen people jump to salaries way higher at earlier stages but they're super intelligent and motivated. So it's all relative to the person and how much work you put in. Increases can vary from the standard 3-4% annual increase to performance based higher increases or even promotions. I'll cover this in an upcoming video once my own increase for this year is finalised 👌 Good questions so thanks for commenting 🙏

@@frankodozi5349 I agree. The learnings from this will stay with me forever. It's taught me patience when it comes to purchases and to work out what is actually important to me Vs what I just want in the moment. I'm glad it happened earlier in life. Appreciate the comment 🙏

@@xWiIIyGz firstly, no need to apologise for your questions. 1. I get 25 days standard plus the option to purchase 5 more. 2. £50 is my base investment amount. As mentioned I am currently investing in property in Europe, so most of my savings go here. Once this is complete I will look to invest all the build money into ISA and investment accounts. The pension is a salary sacrifice. So I pay 10% and my employer matches 8%. So an overall contribution of 18%. All great questions, appreciate the comment 🙏

@@solids1451 😂 this is what I do on the side

@CourtneyJonesFinancial 😂

​@@SS-nh3jt it's a town in the south west of England along the M4. It was honestly pretty run down, which is why I was able to buy it at a good price and then did most of the work myself. I'll put out a detailed video soon for first time buyers and just a more general buying guide based on my experience. Appreciate the kind words 🙏 let's hope it reaches all the people who can benefit! Thanks for the support

@@Jayjayrose16 cities are definitely more expensive, so I empathise with this. Great to see you're budgeting towards some goals, the car in my opinion is the best way to go. It's what I did when I sold my expensive car and purchased a cheap one. One of the best decisions I've made. Sorry to hear about your daughters treatment requirements, but it sounds like you've got a plan and the correct mindset so she's got the best person in her corner 🙏 All the best for 2025! Thanks for sharing.

@ thank you for your reply and your kind words. Wishing all the success and fortune for the new year.

@@lifeandtimesoftheboilerroom good question. I'd say so, but of course if I'm blessed with children in the future I'll be able to confirm this for sure. Appreciate the comment 🙏

@@khizanator I'll see what I can do and how to get this out to everyone 🙏 Thanks for the comment.

@@friendlyhorseuk7220 a great insight, it's always tough to find the right balance. Over the course of the year you'll see that, like 2024, I intend to deviate from this in some months. This can be for things like holidays and weekend trips etc. I don't put these just in the 'fun' section but will now put them in a column as planned expenses. This just leaves the fun section for spontaneous meals out and bits like that. Appreciate you reaching out to share your views 🙏

Yes, I agree. I’ve increased my fun budget this year. I realised it was not high enough. Need to also create memories.

@@andrewmathew8220 south west of England, along the M4 corridor. The house is a small two bed if that puts things into perspective. I'll release a more detailed house review/buying process soon too. Appreciate the kind words, thanks for the support 🙏

@@fisf.2148 amazing achievement for the scholarship! Very impressive. Working through uni is tough too so I respect the hustle. An example that we can all aspire to follow. Thanks for sharing 🙏

@@mrmeldrew693 it is amazing how much can be eaten away so quickly. It's why I want to highlight budgeting and why prioritise planning my money. When I was younger I thought I'd be set on this wage but it definitely isn't the case. Don't get me wrong, it's a good salary and I am fortunate. But I do need to manage what I spend, and this is something that is never taught. Appreciate the comment 🙏

@@byron2127 glad you found some value here. Hopefully by setting this up at the start we can all improve our financial health together over 2025. Appreciate the kind words 🙏 all the best for 2025.

@@JinxMeistro thank you for the kind words and support 🙏 Glad to know that people are finding it valuable, so I will continue to put out content. Grateful to have you in the community. All the best for the new year.

@@sara00095 it was a great comment, so thank you for the contribution. I didn't want to call people out personally in the video in case they'd rather remain anonymous... So don't think I'm trying to steal credit 😅 Glad you're enjoying the videos. Thank you for the support 🙏

Yes good idea

@@z4keria this is absolutely something I am currently looking into. I'm trying to see if there is a way to share this through the channel so you can use it if you would like to. I'll be sure to put out a community post when I can figure out the best way to share these tools. Appreciate the comment and the support 🙏 have a great 2025.

@@CourtneyJonesFinancialyou can do it via Google Sheets, how do I reach out to you? As I have replicated your one from the video. Sheets allows people to copy to their own Sheets to create their own version, this assumes those people have a Gmail account.

@dominicrussell8158 message my Instagram, it's pretty empty but I can pick up messages easily from there. Linked on the page I believe. Have a busy Saturday but I'll try and look at this tomorrow 🙏 Appreciate you coming back with a solution 👌

@@Deauxpe thanks for the feedback! Glad you're enjoying them. Same to you, have a great year! All the best 🙏

@@CourtneyJonesFinancial sorry for the silly question but what does the 1000 per month in the budget column represent?

@@Deauxpe no such thing as a silly question. This is my 'target' saving amount, so just shows if I were to save £1000 a month I would end the year at around £23k. I just give a guide to show that this is what I should be achieving in an ideal world. I can then track what I actually save against this over the course of the year. 👍

@ awesome thank you!

@@Rafael-Matheus96 wow, that's incredible! Well done for the salary, must've taken some real hard work and dedication. Respect the grind 👍 The tax isn't amazing 😅 best to try and ignore it. Just be happy in the knowledge that at least some of it is helping out the wider economy... Try to forget about the part that might be wasted! Happy new year 🙏

@@CourtneyJonesFinancial - Many thanks; the grind is real but can take a toll on mental health tbh so I would appriciate more of a work/life balance. Thanks again for your video. Much appriciated. Happy new year to you too.😌 How's much is the property subject to the mortgage? Around £250k? & Over how many years are you paying it off?

@@Rafael-Matheus96 you're in a solid position to build that financial freedom which is epic. I too value freedom more than purely money so you're not alone, and if it's what is important to you be sure to prioritise that. The house was only £160k when I purchased it. It's now about £210k. The mortgage is a little under £120k remaining with 20 years left (without overpayments). My remortgage video outlines how I'm trying to get this done sooner through. 👍 Appreciate the comment 🙏 great questions.

@ thanks, Indeed. That's pretty decent. Well done bro. Nice, I'll check out that video too🫰

@@bubbachain thank you! Yes it was a push but glad I did it. Even without monetisation it's been a great learning curve and I have really enjoyed putting out the videos. Appreciate all the support. Happy new year 🙏

@@bubbachain glad you enjoyed it. Ah nice situation you are in then! Great opportunity to stack the savings up. All the best 🙏

@@nobbytart27 without getting too political I think a lot of people agree with this. The problem with having fully global businesses is that if the UK government isn't competitive for business tax, then they can just leave altogether. Harder for citizens to uproot and move, especially after Brexit, so it's an easy lever to pull. Not saying I agree with tax increases, but this is probably the reasoning. Let's hope things turn around. But for now I just try and focus on what I can control in my own personal finance to better things. Appreciate the comment 🙏

@@lonerider543 £35k is a good salary. With shared ownership you're on the path to full homeownership in future too. Never intended for this to be a disheartening video, just one to show how I budget. It's important to focus on what we do have, rather than what we don't. A budget is always helpful for me to see where I can save and invest, so hopefully you could use this method to do the same. You're doing better than me when I first purchased my house so whatever you goal is for future, if you keep focused and work at it you'll get there. Appreciate you sharing. All the best for the new year 🙏

@@don_barbour yes this is true. What's evident from this channel is my bills need an overhaul. I will review my needs and see where I can cut back in the new year. Appreciate the comment 🙏

I can't give advice on this of course. But in my opinion, you'll struggle to make a bigger investment gain than the raw tax saving made contributing to a pension, especially at the 40/45% bracket. This is then invested anyway and can be taken 25% tax free lump on retirement (up to £1m). So it's a really tough call. Depends what you value like you said. I personally try and put as much of my 40% taxable income in my pension as possible.

@@michael43567 it's a shame it dropped from 5.17% but yes I agree. I love this account right now, especially seeing it going up each day. 👍

Starling bank offers 4% also

@@fasn279 up until 5k.