SavingNinja

Posting my finances online since 2018 💵
UK → Sweden → USA 🌎
Happiness 🙏 Learning 🌱 Wealth 💎

[SavingNinja @SavingNinja]

❗️With todays investment, net worth has crossed over half a million GBP. 💸 Half way there!

6 years ago, started with a negative net worth
4 years ago, hit 100k
2 years ago, hit my lean FI target of 300k

Here we come 1 million.

[SavingNinja @SavingNinja]

@thewealthster I saw this one!

The area's we like are all around the Cairngorms. We wouldn't move for at least another year or two though.

We'd be after 1 acre+ and in an area with tree's. Seems some places are a bit sparse.

[SavingNinja @SavingNinja]

Buy a house in cash or get a mortgage?

https://t.co/BXRIAJ2ZoJ

[SavingNinja @SavingNinja]

@Finumus1 Bitwarden or Proton Pass. iOS is the most secure of the big platforms but it's locked to iOS devices only which is awful.

[SavingNinja @SavingNinja]

@thewealthster The Quest headset is pretty cool, they bought VR to the mainstream.

They also maintain and popularized React, the biggest multiplatform programming language for mobile, lots of other apps (Like Chase, Monzo, Trainline) use it.

And they open sourced Llama LLMs, was meaningful :D

[SavingNinja @SavingNinja]

@Dad_on_FIRE You must be retired already!

[SavingNinja @SavingNinja]

https://t.co/aLrjZL2XXj

End of year post, contemplating how 2025 went and what's next.

[SavingNinja @SavingNinja]

https://t.co/dVErRCYZ9H

House finally sold, what should I do with the money?

[SavingNinja @SavingNinja]

https://t.co/pzxcuvlaeg

Will early retirement really be that great? Also, are Northerners more friendly than Southerners? 🤔

[SavingNinja @SavingNinja]

Is it better to buy an ETF denominated in GBP and pay the 0.5% stamp duty or buy the USD ETF and pay the 0.02% IBKR FX fee? (I'm looking at VUAG.)

I'm leaning toward the USD ETF to not pay stamp duty, what am I missing?

#investing #Finance #UK

[SavingNinja @SavingNinja]

House sale has completed today 🎉🎉

Glad to be rid of it after 8 years. Will now free up some capital and a lot of stress!

[SavingNinja @SavingNinja]

@Dad_on_FIRE Electric heat pump, LPG gas hob. We do have an LTE router with a SIM in it as a backup, maybe that would draw less power.

[SavingNinja @SavingNinja]

@Dad_on_FIRE Apparently so! We're moving to rural Northumberland, we've been told they had a multi week outage in a recent winter and the army had to come and help - hopefully we wouldn't have one that long again or we'd be screwed either way 😂

[SavingNinja @SavingNinja]

@Dad_on_FIRE I'd want to run a Gen 3 Starlink, router, a laptop and phones... Then probably an electric blanket at night to keep us warm in a multi-day outage.

[SavingNinja @SavingNinja]

@Dad_on_FIRE Yeah, but I'm not sure whether a generator would be better as our new place has propane tanks for the hob, so could hook into them - worried about getting the solar panels through a window and also not getting enough sun. The generators seem pricey though.

[SavingNinja @SavingNinja]

@Finumus1 This aged well 😄 dodge any bullets?

[SavingNinja @SavingNinja]

https://t.co/jsPZ3xndiI

When will we have enough? Pondering anxiety and depression post-retiring.

[SavingNinja @SavingNinja]

https://t.co/QBtUh0RkLm

Back to over £1m.

Also seems like it was a terrible deal to buy a house 8 years ago, we should have continued renting!

[SavingNinja @SavingNinja]

I've now got £45k stoozed on credit cards, all within 6 months!!

Will help pay off the mortgage while we sell to avoid the 7.8% rate.

Halifax Clarity 0% money transfer card was what allowed me to withdraw this amount of cash this quickly.

This amount stoozed will save £300 p/m

[SavingNinja @SavingNinja]

https://t.co/HgdNSlnBOs

Down by a lot, but feeling hopeful.