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& About Me
almost anything & live well without a big income
important to understand the following:
Your INCOME has absolutely NO BEARING on how you live or
what you can afford. That is purely down to how you manage your life, and how
you manage your money.
is designed to take as much money from you as possible.
Don't let it!
I manage very well on a very low income. With new car, house paid up, plenty of
boys "toys", money in the bank etc.
Some basic stuff follows that should be OBVIOUS to anyone, but plainly isn't!
They should teach this stuff at school! If you are struggling to pay
your bills, cant afford a new "widget" you are doing it wrong.
The Simple Rules!
a) NEVER use credit.
Not ever. No exceptions. If
you cannot afford something right now simply do NOT buy it.
If you use a loan you pay MORE obviously. Its amazing how this adds up. And
means you didn't get a "cash discount" either. I always make an offer, (or
even buy two or three if the price is good) to get a discount. Re-sell the items
you don't need or keep them for later.
If you have cash because you saved in up and bought "right" from the beginning you can usually get a
better deal! Leaving some in the pot towards the next purchase.
So buying on credit means you actually lost out twice.
Which means much less money in your pocket.
Making the the next item you want/need yet more unaffordable. And
so yet MORE credit is needed... This obviously spirals and gets to be a way of
This is how society makes the foolish poorer and
those that see the light richer. Those that start off "correctly" finish up with
the cash to do anything they want, and buy things cheaply in bulk, or without
crippling credit interest.
If you have outstanding loans, card debts etc, then move into a tent or a
parents house, sell the car, the dog, and get it paid off as soon as humanly
possible. If you don't ever get in debt in the first place this isn't a problem.
If you are, then you are buying the loan company bosses new car for him. Why
would you want to? They lend you money because they can rip you off and
make more money than they can at the bank...
Discount for cash is way better than paying interest. You win twice. Put the
money you saved into your house. Don't tell me you are paying rent!
b) Never buy anything on the "drip"
monthly even if its "interest free"...
They are letting
you have something you really cannot afford. Pay it now. Even if it means going
without for a couple of months. Such as car insurance or "the UKs Council Tax"
or that sofa,. For
One, because once the shock of paying for something outright and
up front has passed and is forgotten, all your money from then on, is your own.
Having an "amount" coming out of your account monthly means your money is never
your own and it seems like its going on forever. It makes future dealings more
complex and you are then less flexible to do a GOOD deal as you don't have cash
in your pocket..
If you don't like this or cannot afford to do without the
monthly payments scheme then refer to a) above! And two, because "interest
free" just means its then added into the price and you are already being ripped off!
Nobody can afford to really give you free credit.
Shop around and do a better deal elsewhere. Nobody lends money "free"...
c) Never RENT accommodation! Its the same
thing as throwing your money down a big hole. You are effectively paying the
mortgage and buying the place for its owner... Buying is often CHEAPER
than renting, and if you run your life correctly, you CAN buy. If you DO rent, because you cannot
beg a friend or relative to let you live somewhere to allow you to save up a deposit, or cant
bear to live in a car/tent, then rent the cheapest single room you can for the
least time possible. All this gets harder as you get older. I bought a ground
floor flat when I was living with my parents. I rented it out until it was paid
for completely by the tenants, and then sold it for more than double what I paid
for it. The rent coming in was more than the mortgage so it also paid for my
beer. You can only do this when you are young and living elsewhere. By the
time I needed a house I already had one bought and paid for.
So SAVE a deposit and BUY a house or flat if humanly possible. That money is then
yours. Better than money in the bank. If you CAN live free of charge with a
parent/ relative/ boyfriend/ GF etc; then do so, and STILL buy a house and rent it out! Get
some other sucker to pay the mortgage.
Mortgages (at the lowest interest rate
possible - do your homework) for buying GOOD property in a GOOD area is the ONLY exception to the
NO LOANS rule in a) above. Because historically, house prices rise faster
than inflation. And faster than your mortgage total. In other words you are
winning. Its money in YOUR bank. And non of the government agencies count this
as capital for benefits etc. And you have to live somewhere so why throw rent
down a black hole?.
Do this and pay most of it off BEFORE you decide to get married
or breed... You cant afford kids and a mortgage at the same time! So that means
breaking all of these rules. Better still do not get married or have kids. I
didn't. And it was through choice.
d) NEVER insure anything. Insurance is a
racket. Unless like "car insurance" the law insists that you are
ripped off. Obviously it is cheaper
long term to pay for your own failed camera, washing machine, keys, computer,
central heating etc.
If it wasn't, then the insurance companies would not make
any money. And they are rolling in it. Why would you want to give them
If you must insure something SHOP AROUND for at least
Comparison sites help.
Don't pay any bills by direct debit either. Pay by cheque and
examine utility bills, etc very carefully. Its amazing how much they steal from
And the errors are always in their favour. But basically you can
repair or replace your "stuff" cheaper than insuring it.
Cheaply or at, trade prices and store it. Open an imaginary business,
invent a letter heading, open a business account. It opens many doors. An
example of this is toilet paper, A4 printing paper, canned food, meat for the
freezer, Hoover bags, washing up liquid, soap powder, towels, dish washer salt,
dried dog food, bin liners, bbq fuel, etc. No garage? Refer to c) I even
buy may powerchairs at half price.
e) Buy everything you will use lots of, that doesn't go out of date, in bulk!
f) if you find a good deal on the "WIDGET" you were
buying, buy 2 or as many as you can afford.
If you cant don't buy any unless you have no choice. And if you live by these
rules you can afford to buy bulk! Use one for
"widget" yourself, eBay the rest for a profit. Example. Wheelchair tyres are
extortionately priced. I need about 3 sets a year. I buy them in bulk, in sets
of 10 or 20 very cheaply, I use some for myself, sell the rest in
pairs, on eBay to people that cannot afford to buy in bulk because they don't
practice this methodology!. My tyres are then free or in fact make money to
offset other mobility related expenses. I do this with lots of things.
(now ex GF!) says I am stingy. I prefer efficient or cheap! She
earns about 4x my income for the last 8 years and has thousands on credit cards
and lived here rent free. She has done this for 8 years and hasn't got enough
deposit for a mortgage so she RENTS a flat now. She is like most people, the exact opposite
to this page! Everything on credit, lots of clothes, holidays, mobile phone
bills bigger than my income, and everything
insured... When she needs money and her cards are maxed out she borrows in
from me. Because even on 1/4 of her income I have plenty.
g) think out of the box.
I drive a modified car for disabled use. Mine cost me 30k UK Pounds brand new
since I bought from the US when there was 2.00 US Dollars to the UK Pound. At
that time an identical but right hand drive UK registered one was 54k. Saving me
24k pounds. I can afford to sell this van after a year and get all of my money
back and do it all again... Free new car every year. Don't have 30k?
You WILL HAVE if you follow this page info from an early age!
h) don't WASTE your money. Eat the cheapest meal in a restaurant. Don't buy
expensive clothes, Holidays, "new" cars unless you do it or do what I do above, Don't
buy things that don't last, de-value fast or perish. Avoid technology, Don't
waste money on jewellery, perfume and don't buy other peoples drinks, meals,
etc. There are THOUSANDS of things to waste money on. Like CDs, Movies, Games,
etc. Have a monthly phone account? Why? Monthly line rental drip again. Get rid of it. Have a mobile? On a
contract? GET RID of the contract! Its a huge waste that costs hundreds to
thousands every year. Get a pay as you go card, and only do "free SMS" and let others call you.
I have a BOUGHT AND PAID FOR used phone from eBay
for 25 UK Pounds. Its now 6 years old, working fine. It costs me 10 pounds top
up every 3 to 4 months maximum. If your phone bill is higher then you are throwing your
money away. Cable/ Satellite TV? Again a total waste of huge amounts of money on
the monthly drip.
I no longer have a TV licence, no longer watch TV (live TV) at all. Almost everything
is available free to watch after the event on the internet NO Licence, no rented
set top box, no fees to sky or whoever every month. All these monthly direct
debits really add up! So I have NONE! So DO BUY a big
computer monitor, and a cheap fast internet connection as it SAVES you money.
i) DO buy things that SAVE you cash long term.
E.G. I converted all of my house
years ago to be as cheap to run, as soon as possible, and as soon as I could
afford to do it. Prioritise! The holiday can come after you start saving. I spent
lots on roof, wall insulation. I spent more still on super high efficiency central
heating, 100 percent efficient gas fires, double glazing etc to reduce my gas
bills to less than half. The sooner / faster you do all of this this the sooner you start saving.
also replaced all the exterior woodwork with plastic. No exterior maintenance
to pay for in the future... And am looking into SOLAR panels on the roof since
its heavily subsidised and cuts my power bills right down to almost zero. Again
this will COST me money but means that long after the cost is forgotten I get no
or low electricity bills!
J) I replaced every single light in the house and 8 external spot lights with
super efficient LED lighting. I utilise all the power saving of a modern
computer system, and replaced all electrical devices such as washing machines,
dryers, and dishwashers, battery chargers, fridges etc with the most energy
efficient devices available. It reduced my electricity bill by around half. The
sooner you spend a few thousand on i), and j), the sooner you have the extra few
hundred a month to spend (or save!) Remember long after the initial outlay is
forgotten the savings continue indefinitely. Do it sooner!!! Save MORE.
k) learn to help yourself. I can fix and maintain almost anything myself. Today
for e.g. I serviced my van, at about 1/4 the cost of a garage or less. And did a
better more careful job. Last week I
repaired the washing machine. A new pump is easy to fit, costs very little. Who
needs insurance! I do the same with almost everything.
l) Do things properly first time.
Don't pay twice. E.G. the fence around my property had been
repaired a few times. It takes time, money and energy to keep on top. Do the lot! Properly. All at once. Treat it
(soak it) with preservative, use concrete posts and forget about it for 10 years or longer. Long
after the expense is forgotten the advantage (and property price) remains...
This also applies to I), and J), above... Spending on your house is money in
bank, not an expense but a long term saving. As such I spent 10 years replacing
all the wood on my house with maintenance free plastic, replacing the large flat
roof covering with high quality expensive solutions that LAST. No more future
repairs, painting, etc.
m) Don't get married, or have kids.
This sounds stupid but I am serious! I can
live massively cheaper as a single guy, than if I was permanently repairing
damage done by more people, and the expense that women and kids cause. A kid is
the single biggest expense that most people ever have. And we thought
women were expensive. Women spend (waste) mountains of money on frivolous
pointless things that are forgotten ten minutes later. Expensive ornaments, make
up, hair styling, holidays, frilly bed/curtain/other stuff... Get one you will
n) I waste
apparently huge sums of money on things I want to learn from.
All my life if I ever saw anything I did not understand, I wanted it. So I can
pull it apart, figure out what makes it tick. My GF and family, and now my
carers, think/thought I was mad. I am doing it now, developing a lithium powered
high speed powerchair, that may all go bad! But I learn from it.
such as water cooled computer systems in the 80s, with aquarium pumps,
underground oxygen bottles, and home made water cooling blocks (still inside the
PC I am typing this on). It all costs a fortune. But to me, what I learn
from all my "crazy" (to others) projects, is way more valuable than the cost in
And while its true
to say many of these projects are now abandoned, or failures as "projects" as
such but what I learned was absolutely invaluable. For e.g. I used to run two
businesses building automotive dynamometer systems, and Nitrous Injection for
drag racing. (www.nitrous.info) all
because of some of the things I learned along the way. Which paid for much of my
life before my accident left me in a powerchair.
If you live your life like this list, you will live like a guy with a fancy wage
in some hi end job. Without actually having one. In your own (paid for) house,
and with few bills or worries.
If you do the opposite, as the vast majority of people do, then you will NEED a
fancy job just to pay for the bills, interest, damage, holidays, kids etc.
Or you will live in state funded housing wondering how to pay your credit card
bill or the electricity. Or how to afford to buy some food. Its your choice.