I buy my rolling papers in bulk, boxes of 24. Each pack costs around £1 instead of £2. I get those Connoisseur Packs with the included roach cards. Saves me a lot of money, as I do smoke a lot of spliffs if I'm honest.
this post was submitted on 08 Jul 2023
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Changing jobs in 2021. Managed to almost double my salary overnight with less stress.
Taking out a good loan to consolidate my credit card debts, and make them cheaper at the same time. I might be paying it off for 5 years but the interest and monthly payments are cheaper.
Definitely the house we bought. Bought just before COVID. There was a bloody ton of houses on the market. Got my house for 70,000 under asking with them paying for half the cost of a new roof(inspector said it was fine for a few more years but we tossed it in to see if they'd bite).
Haven't done anything to the house other than paint and the new roof, we stand to profit well over 100,000 now. Considering, we're potentially moving to the city I grew up in to raise a few tykes, it will come in handy.
Stop spending on games :(
Buying a crappy house. It's structurally sound, but not a good neighborhood, crappy schools, and I don't want to have people visit, but it cost half the county median and the difference in mortgage goes into index funds. My peers have nicer homes, but its their only asset: if they want to retire, they have to sell the house and move somewhere cheap.
Rolled over a 401k into a cash IRA the week before Lehman died
ETA: the timing was pure luck. I had no clue what was about to go down.
Buy GME
Offset mortgage
I went through the CFA certification process and it helped me advance in wealth management where I can afford a family and a decent life.
I don't make a killing like some but family is happy.
Work isn't that fulfilling so figuring that out but it was a great financial decision. Cost like less than 5k and work paid for most.
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I diversified my savings account. Some is put into precious metals,a CD, and some in stocks.