User Profile

[PJackson]

Disclaimer I am selling a 2 bed flat about a mile from Reading station

Government policy has been successful in Reading. Specifically the one that made it easier to convert offices to flats. Four office blocks on the same road as my flat have been converted and another is in process....

[PJackson]

Freehold can be fine when it is something like 870 years left on the lease, peppercorn ground rent, no service charge, as is the case for one of my properties.

[PJackson]

A pension where the employer matches your contributions is pretty much unbeatable. If you are a higher rate taxpayer roughly it costs you £60 to put in £100 and then that is doubled by your employer to £200. (I know there are other factors like salary sacrifice but am keeping it simple). How long...

[PJackson]

I use 7% as a rough minimum. I average over 8% net before tax.

[PJackson]

You mention overtime so you are employed and unless something unusual applies your employer should be offering a pension scheme in which they will match you contributions up to a certain amount. That is free money so take it. Your 55 year old future self will thank you....