Відео

Try asking chatbotGPT app about writing a book on finance. I’ve had a similar idea and ran it by AI and the feedback and direction/help it suggested was amazing! Will also proofread chapters for you and make suggestions. Sounds crazy but just try it.

Out of interest is the writing group online or in person? I'm planning to write a book too, a sort of local ghost stories/local history book.

Just found your channel mate. I've been getting my stuff together for the last 18 months. I failed one of my goals too, I didn't quite manage to pay off an old loan, I've got £1500 left due to the over time drying up at work but I'm looking forward to 2025. No more debt other than the mortgage after that loan has gone:)

Keep up the good work

My goal at the moment is to eat through this mountain of cheese and chocolate before I start my diet on the first. Anything else is a bonus 🤣

I love your channel as it’s so grounded in the real world. I have a book goal as well but while I have written much of it, I had not thought of joining a writing group. That sounds like a great idea. You are miles ahead of me with the UA-cam channel goal as I have yet to start. All plans but no action. None of your goals really failed. I find your progress inspiring.

Speaking of goals, I did well this year, invested 10k, next year we’ll both smash it! LETS GO TGS!

Moving in the right direction is always a win, you moved that bit closer to financial independence. It’s not a question of how hard you try or how well you succeed it’s how you keep trying. 2024 has been a great year for you and the lessons learned will make 2025 even more successful

I feel like I did well with my goals this year, and it functioned as intended as the stepping stone I wanted. I would take a look at your goals this year and ask yourself: was it unrealistic? (adjust it), was it realistic but an unexpected thing happened (keep it as is), was it realistic but an expected thing derailed it (plan better for known expenses with sinking funds etc.), is it no longer serving you? (get rid of it). There is literally nothing else you can do. I would say you're a bit harsh on yourself saying you failed with the progress you did make. I would ask yourself this question and make your goals firm. I know you have a 'reach for the moon, land in the stars' attitude when it comes to goals, but have an end point that you rise to meet instead of giving yourself an out that it's impossible to begin with.

Lovely update, I think your plan is very well thought out. Great time to reflect on the year and be very proud of it as well. Merry Christmas 🎄

Coming in live from the lakes. #GetTGSto1k

Coming in live from the lakes. #GetTGSto1k

It's nice to see reliable size portfolio, and not another video of people casually buying £100k of stock because market dropped 2%. I started my investing journey 13 months ago as well - and very happy with my own consistency.

Keep up the great vids Ps Guess who won £125 in the December premium bonds draw 😊

Keep up the good work and the interesting videos. Happy Christmas to you and your family!

keep up the good work dude. merry xmas and cracking new year :) that 100k will come in now time

Nice update thanks, gets you thinking about your own finances too. Merry Christmas to you and your partner

Well done, think of all that interest you've started saving.

keep up the good work dude, For me, I decided to remove some money from premium bonds after next months draw, and bolster my cash ISA as I may need the money next year for house renovations. May as well get some interest on the money before having to splurge it.

are you all ready for a few days off Mr. Geordie Saver?

I’m sure it must be frustrating not being able to save more but at least you are smashing the mortgage 😊

"Gifts are a waste of money" - Austin Williams 2023

I don’t think you are doing anything wrong by paying off at such a low rate. The more you pay now the lower the sting will be when your rate jumps up. I wouldn’t lock your mortgage into 10 years. Keep it at 20 (or whatever it is) and have the flexibility to overpay as and when you can afford it.

I dont understand why you would overpay on such a low interest rate of 1.1%? You're making yourself thousands of pounds worse off compared to if you had just invested it and put in a lump sum payment at the end of the mortgage term. And the argument that overpaying into a mortgage 'locks it away' isnt true - almost all banks keep it in a virtual seperate pot and will allow you to withdraw it

Well done! 🎉 keep up the good work 🙌

My logic when remortgaging was keep the term long and overpay as/when I can (as I’ve overpaid for the first term of my mortgage significantly), I can always reduce the term when I remortgage again at the end of my next fix. If I’ve got one piece of advice it’s be flexible!

Well done keep at it. It’s like running a marathon. You never know what the interest rate will do. Our experience was we had a 1.89% rate for years and then this year our fixed rate ended and the interest rate shot up to 6.99. We could of remortgaged but the restrictions on over payment were far too restrictive. We were so glad we had regularly overpaid to have less of an impact of such a high rate. This month we made our last mortgage payment, I didn’t think we would manage it but every extra penny was thrown at it to free us up. Best Christmas present ever. Good luck on your journey

Awesome vid and such amazing progress, defiantly the sensible option to add money next month to the emergency fund pot especially with it lacking :)

Ya doing awesome Geordie Awesome achievement Keep it up Regards from Makem land 😊

What an achievement! Roll on mortgage free, we only over pay £160 a month, but we’re aiming to pay ours off in the next 4 years (cutting the term)

At a rate of 1.1 percent I would not overpay.I would invest it for average returns of 7 percent a year.Remember the bank could take your house if you had no income.You would better having built up a lump sum while investing it and pay the mortgage in one lump sum.I totally respect your reasons though.At 4 percent there could justification for over paying.

You lose one then gain one.👍

I think most you tube watchers want drama and not a true journey but I am liking the journey dude. Keeps me motivated too.

WHAT A GAIN! Well done TGS

100% agree with you about Christmas gifts. I'm really cutting back on this too, as a society we have to stop the ridiculousness of ot all. I only buy gifts for a few key people and am very conscious of what I buy. There is a risk people might think I'm being mean, but I've decided that I'm prepared to take that chance...

Great vid and always nice to receive backdated pay. I am looking forward to a similar amount of backdated pay in my December pay cheque (I’m payed 15th of the month)

My partners birthday is Christmas Day, and all he’s asked for this year is a really good cake! We’ve got a few small gifts for each other but we’ve really hit the point in life where we don’t need anything, so we’re light on gifts too. All goes in the holiday fund for next year instead 😊

Great video again mate! Are you doing a yearly round up showing progress from whole year. Great watching the journey 👏👏

On the Christmas presents one a good one to look up is Harry Browne letter to my daughter here's a sample: If I could give you just one thing, I'd want it to be a simple truth that took me many years to learn. If you learn it now, it may enrich your life in hundreds of ways. And it may prevent you from facing many problems that have hurt people who have never learned it. The truth is simply this: No one owes you anything.

Which Lottery do you play?Set for life? any recommendations?

hope 'the event' goes well :D

Excellent idea. I already did this many years ago - I made overpayments to my repayment mortgage each month. Each overpayment reduced the next monthly payment, which gave me a bigger surplus the next month and therefore enabled me to increase my overpayment. It worked like a dream and I paid off my mortgage in only a few years!

Stumbled across this video in a time where I find myself getting frustrated with my lack of progress, but the way you explain your thinking has reinvigorated my desire to follow my goal. Thank you and keep it up!

I think you should be really proud of keeping at it, even if progress isn’t as quick as you hoped it would be. I don’t think anyone saves well without an ultimate goal; so they’re always useful to have in your mind. Plus, it’s been an interesting watch as a viewer!

What about taking into account your partner’s totals too? As I assume you both pay the mortgage. I’ve considered tracking in this way against our mortgage next year, but don’t know whether to track my wife’s totals or just mine.

I've only watched a couple of your videos so apologies if you have already explained. But what do you consider 'financial freedom', is the goal to be mortgage free?

Congrats dude. motivated and consistent is the key to success. you are on the right path.

Geordie Saver, give yourself a huge pat on the back as that is fantastic progress 👏 shows consistency pays off no matter how small so be very proud ❤

well done

Even though you won't hit your goal, it'll lead you on the path to financial freedom. It's never a failure, but another lesson learnt, and onto that great path