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Nathan
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Nathan
@Nathan8hpp
Author of What They Should Have Taught You About Personal Finance | Helping you avoid debt traps & build real wealth | Weekly insights | Views are my own
Scotland, United Kingdom 参加日 Ekim 2025
936 フォロー中529 フォロワー
@GBPolitcs Lots going on in the economy at the moment and it all makes it a difficult time to be a young person looking for work.
I can’t help but wonder if we are giving them the skills that they need to thrive in today’s workplace?
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🚨NEW: Unemployment amongst 18-24 yo men has surged to 17.2%, up from 16.1% in the previous month's data
It was 13.8% this period a year ago
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Yep, I'm pretty well prepped with what's in my control.
The LTV is under 50% (achieved a few months ago as planned), so we have access to the cheaper rates.
I've also timed a £450 car payment to end one month before the mortgage renewal, so we have that money to lose immediately on the mortgage with no cashflow impact.
You're talking to an obsessive planner and budgeter here 😅
Keep spreading the good word mate.
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Not a surprise, but I was hoping for the rate to continue its downward trend as I head towards my mortgage renewal in November this year!
Politics UK@PolitlcsUK
🚨 BREAKING: The Bank of England has held interest rates at 3.75%
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Either way, if you had a long fix from c.2021 it’s going to be a notable increase. In these types of situations, it’s all about finding the small wins.
Even something like paying a little extra off or having it revalued to get into the next LTV bracket can make a difference, although I also get that not everyone can do that.
Good luck! Looking forward to hearing how you get on.
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@Nathan8hpp Yeah looking at it. That's the 3.89% rate I can currently secure. I was hoping that would come down further, but that may have changed now.
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I see these posts all the time:
I have a friend who is ... (fill in bad financial decision). What do I do?
And my answer is: nothing? Personal finances are just that. You are responsible for your own financial decisions, they are responsible for theirs.
Am I wrong?
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@TrussellUK Inflation has eaten away at people’s spending power at an alarming rate. What was £100 in 2020 is now over £127 and for most, wages haven’t kept up.
It’s not just an income problem, it’s a broader financial issue.
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I still can't quite believe that over 500 of you are actually here, thinking my takes are worth your time!
Your likes, RTs, replies, and support these past few weeks have been incredible. Thank you genuinely.
This mission means a lot to me personally, and having you all on board makes it even better. Let's keep going!
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@Financial_wins Thanks! It’s important to show people what bargains there are to be had.
Times are hard for a lot of people atm and being able to make it all go further is important
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@Nathan8hpp Getting a great deal is so satisfying! Glad you were able to save some money!
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Remember earlier this week when my fridge died and we talked emergency funds? 😩
Turned it into a money-saving win: Found the perfect one online at AO.com - £100 off for members + FREE installation, delivery, AND old appliance recycling!
Membership cost? £40.
Extra online voucher? £15 off.
Total savings made it a no-brainer. Always shop around, stack deals, and fight for every £!
Who's got their own bargain stories?
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@themotleyfool If you have big money, you don’t need it.
If you need it, you can’t afford to take the risk.
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Leverage gives you confidence you haven’t earned…
…and losses you can’t afford.
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@Vivek4real_ Tom Lee says whatever keeps him in his paid TV gig, they should rename him ‘guesser in chief’
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@TrussellUK You guys are doing great work to combat a really important social issue. Well done!
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@HeroDividend There is a very strange combination of stock performances today, that’s for sure!
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@theficouple totally. trouble is, we give people a lot of the skills that they need to make it, but don't show them how to keep, or even grow it!
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Unpopular opinion:
If you make $170,000 per year but still live paycheck to paycheck?
You have might have a spending problem not an income problem.
...Do you agree!?
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@WhaleInsider And this, ladies and gentlemen, is why we don't f*** around with leverage.
If you had big money - you don't need it.
If you need it - you can't afford to take the risk.
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JUST IN: 127,198 crypto traders liquidated in the past 24 hours.
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Due to low energy costs in Iran, you can mine 1 Bitcoin for just $1,320 and sell it for $69,000.
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@NoLimitGains Charlie Munger often talked about the discipline of sitting on your ass - it seems to be a timeless one yet again!
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Everyone’s focused on what to buy tomorrow.
Nobody talks about the power of sitting in cash and watching everything fall apart.
Sit on your hands, enjoy your life, come back when the time is right.
NoLimit@NoLimitGains
THIS IS IT. I’m officially 95% out of the market. S&P 500 price now: 6,983 I’ve been in this game for more than 20 years. Here’s why I decided to get out: First of all, didn’t sell my long term BTC stack I’ve been holding since 2013-2015, my metals and real estate. Does that mean the market will crash tomorrow? NO. ABSOLUTELY NOT. I’m not a day trader. But there’s a good chance we’re very close to a market top and could drop 15–20% from here. The smartest founders in history are all rushing to the exit at the same time. – SpaceX – OpenAI – Databricks – Anthropic They’re aggressively targeting 2026 IPOs with a combined $4T valuation. They aren’t selling because they need cash. They’re selling because they’ve identified the top. We’ve seen this exact setup twice before. The 2000 Dotcom crash and the 2021 SPAC mania. Insiders use the window to distribute shares at unsupportable valuations (100x revenue). The math ain’t mathing. Big Tech are burning a shit ton of money trying to chase the AI narrative. – $400B in AI Capex – Only ~$20B in revenue return To justify this spend, they need $2 Trillion in new revenue by 2030. That isn't an investment. That’s a bubble. And look who else is leaving. Warren Buffett is sitting on a $300B+ pile of cash. He’s been aggressively selling into this rally. He doesn’t want to buy the dip. He wants to survive the crash. Then there’s the 2026 debt wall. Zombie companies survived on 0% interest rates, but now the bill is due. They have to refinance BILLIONS this year at significantly higher rates. Most won't survive it. Let’s see how this plays out. Keep in mind: I called the last 3 major market top and bottom publicly. When I start buying again, I’ll say it here for everyone to see. Many people will regret not following me sooner.
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Interest rate hikes could mean more misery for consumers, as war takes toll on pockets
🔗 Read more
trib.al/pealah0
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@SkyNews @EdConwaySky If the inflation is caused by icreased costs, would it not be counterproductive to take more money out of the system with higher interest rates?
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Where are interest rates going?
Oil and gas prices have surged – including in the UK – after strikes on facilities in Iran and Qatar at the world's largest natural gas field.
@EdConwaySky talks through the potential financial impact of the Iran war
trib.al/vebkGSX
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@robprogressive It’s a viscous cycle. At what point is the economy taxed into recession?
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The top 12% of earners in the U.K now pay 70% of the total income tax
‘Tax the rich more’ they say, but how is this fair?
And now all the rich are leaving, they 70% income tax will have to be paid by everyone else
Do you know what that means? More tax rises
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