watchesandwhisky

I seem to remember the deal was if they was real I would give them an extra £200, and I was ready to honor that but never saw them again!

hi Craig, yeah tough times for silver in the UK right now unless you are willing to pay silly premiums..

That was me with the 4 sovereigns, truly the find of a lifetime and highly unlikely to ever be repeated. I still goto the same bootfair when I can but have never found anything remotely like that. Seller thought they was fake. It was on St George's day as well, it was something I will never forget - I Have been going to them for years though, the likelihood of that happening is in the 10000s , still enjoy the hunt though!

No unfortunately not, they sold out on the first day I believe.

If you want this coin id say the 2oz proof with 550 mintage is the one to get - costs more obviously but the 2oz size and proof finish is amazing.

Thats net pay but yep, gross would be 28k combined approx - I am 40 hours per week fulltime, approx 20k gross, she is self employed but 8k is about it. Going to just save like mad and hope for the best I think!

Na they cost way more I think 300k upwards!

Wow what great responses, thank you everyone for taking the time to do that! Paul those are some great ideas, An actually I have invested in my fitness this last year, I dropped 6 stone and gained muscle, it was actually doing that - that enabled me to apply for this job , its really physical, im walking about 17/18k steps a day and moving heavy stuff like paving slabs and bags of gravel a lot of the time, I could not have dreamed of doing that before so its very true. I actually sort of do another one and thats bulk buying special offers for my lunch. I don't have the time to further invest in skills really, my work is so hard I go into low power mode the moment I get home, But I am enjoying it, and I think that enjoying your job is so important - I can see myself doing it long term even though its hardly above minimum wage. I just love being out in the van being my own boss. My partner is at home doing the self employed stuff, shes actually doing some of the other points so I think we are quite well covered overall. Pete thats very true and its whats concerning me, prices are rising faster each year than I can earn, its as simple as that. But I hope with a decent deposit i can get somewhere, my parents could lend me a sum of cash, but not enough and I do not yet have the work history to be approved - , they are letting me live here rent free (just pay 50 a month towards some bills) that alone is going to make the difference of what I can save. essentialy my entire wage is saved and live from partners self employed earnings. Cadmium - thank you I really appreciate the kind words, I am trying hard to get stuff done as I know its now or never really and I want to make sure im not a never person! Auric I think thats a great plan, 50K seems a great deposit and goal - in 18 months I have a "help to save" plan maturing too so that will add 7k. I will go with that and get selling some of my other investments, whisky, watches ect... Joseph, the 5% deposit I can easily do, the part I am struggling with is as far as i can see places only lend 5X salary, and our combined salaries are about 22k - giving a 110k mortgage tops - Im in Bournemouth , prices are pretty steep.. But who knows, maybe they will start lending more than 5x salaries - My lisa provider is skipton building society, I went for them for the cash lisa even though their interest is a bit lower than alternatives because they are also mortgage providers, and I hope it will raise our change of getting a mortgage if they can see how well we save the sizable deposit. Sixgun, very true, it is much more common now! still embarrassing though, kenesis sounds interesting but really need to stay cash on this one.

Car is essential for my work due to location, too right they are an expense though...I went for the most reliable low running cost car I could find to keep costs down as much as possible over the next decade.

Honestly MrB I know there is some damn clued up people here, I cant help but feel a financial advisor might be just wasting money. If i had a ton of cash to protect I probably would do, I think most would laugh at me right now lol.

I have a new job, (first time I have had a fixed income in years) and I am able to save about 15k a year. I have no house/ no mortgage - and at 37 years old me and my partner are STILL living with my parents - I am pretty ashamed to admit that but its the truth. I am determined to get out ASAP but realistically its going to take a few years maybe more... We don't want to get trapped in the rental trap. and end up with no property to rely on when we need to retire. I could move out next week and pay rent but then what am i going to do when I am to old to work? will be screwed. The long suffering parents are great about it and can see what we are trying to do, very supportive - but I think I need to get out within a couple of years for thier sake so they can have a well earnt retirement , I think I will just go into rented if I cant get a mortgage like everyone else has too. I have circa 15K in savings spread across multiple assets (no cash) - plus a 2020 car fully paid (sensible car - honda jazz) We have opened lifetime ISAs and can get a 20% topup on anything we deposit, however can only be used to buy first house or for retirement or there is a 25% penalty on withdrawals. Money in the bank seems useless, but if house prices keep increasing we may never get accepted for a mortgage. If you was in my situation how would you allocate savings? I dont want to speculate on crypto - I already have some. Im thinking shove everything on premium bonds till the end of the tax year, then withdraw and max out Lifetime ISA and hope for a correction in property prices one day but I really dont know. Open too all suggestions!