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Comments on: Thoughts on debt http://simplepound.meewella.com/thoughts-on-debt.php A trip down personal finance lane. Wed, 08 Feb 2012 00:19:02 +0000 http://wordpress.org/?v=2.5 By: Kirsten http://simplepound.meewella.com/thoughts-on-debt.php#comment-159 Kirsten Sun, 04 Nov 2007 21:04:48 +0000 http://simplepound.meewella.com/thoughts-on-debt.php#comment-159 And you love them so much more because you know you don't have to have a bad conscience! :-) And you love them so much more because you know you don’t have to have a bad conscience! :-)

]]> By: Miss Millionairess http://simplepound.meewella.com/thoughts-on-debt.php#comment-158 Miss Millionairess Sun, 04 Nov 2007 11:24:02 +0000 http://simplepound.meewella.com/thoughts-on-debt.php#comment-158 I love the idea of the splurge fund! I think I need to set one up in spite of the fact that I'm meant to be saving all my money. Like you say, sometimes you just HAVE to get that pair of shoes and will not be able to ever be happy ever again if you don't get them... I love the idea of the splurge fund! I think I need to set one up in spite of the fact that I’m meant to be saving all my money. Like you say, sometimes you just HAVE to get that pair of shoes and will not be able to ever be happy ever again if you don’t get them…

]]> By: Kirsten http://simplepound.meewella.com/thoughts-on-debt.php#comment-156 Kirsten Tue, 30 Oct 2007 10:02:45 +0000 http://simplepound.meewella.com/thoughts-on-debt.php#comment-156 Thank you so much for your comment runtime. I'm impressed to hear that you have already managed to pay off your mortgage as I know that my debt-free times will be over as soon as I decide to actually buy a place (rather than rent as I do now) I will write a lot more about tax-free investments as soon as I get my outside accounts approved by my employer (financial regulation - there's no way round it...) Thank you so much for your comment runtime. I’m impressed to hear that you have already managed to pay off your mortgage as I know that my debt-free times will be over as soon as I decide to actually buy a place (rather than rent as I do now)

I will write a lot more about tax-free investments as soon as I get my outside accounts approved by my employer (financial regulation - there’s no way round it…)

]]> By: runtime http://simplepound.meewella.com/thoughts-on-debt.php#comment-155 runtime Sat, 27 Oct 2007 00:19:56 +0000 http://simplepound.meewella.com/thoughts-on-debt.php#comment-155 Since this is my first point I would like to say hello and to thank you for this wonderful blog! Your posts/articles on personal finance are fun to read and are amongst the most informative and easy to understand that I've come across. I'm in the very fortunate position of being 32 and debt free (mortgage paid off last year!); while this is largely due to being lucky enough to buy a house when prices were much more reasonable (~6 years ago), I also think it had something to do with having a current account mortgage: Every month I could see a my repayment mortgage reducing which was a great incentive to try and spend less. If you're disciplined a current account mortgages are a very easy way to over-repay your mortgage and save a whacking great big chunk of interest! If I had to do things differently I'd like to have started paying a little into my pension a earlier. I started at 27, but looking at the amount of junk in my garage, I know I could have scrapped together £50 a month and started a couple of years before! These days my main 'problem' isn't so much keeping track of how much I’m spending on what, but deciding what to invest my money in, primarily to support an early retirement but also to provide for my wife and baby daughter; I've already read most of your investment articles and am starting to appreciate the importance of a diversified portfolio. I'd love to hear your views on tax free saving particularly through SIPPs and ISAs - perhaps some pointers on how to apply the diversified portfolio theory to fund selection? I've got 'All About Asset Allocation' winging it's way to me so that should keep me busy for a while! Many thanks! Since this is my first point I would like to say hello and to thank you for this wonderful blog! Your posts/articles on personal finance are fun to read and are amongst the most informative and easy to understand that I’ve come across.

I’m in the very fortunate position of being 32 and debt free (mortgage paid off last year!); while this is largely due to being lucky enough to buy a house when prices were much more reasonable (~6 years ago), I also think it had something to do with having a current account mortgage:

Every month I could see a my repayment mortgage reducing which was a great incentive to try and spend less. If you’re disciplined a current account mortgages are a very easy way to over-repay your mortgage and save a whacking great big chunk of interest!

If I had to do things differently I’d like to have started paying a little into my pension a earlier. I started at 27, but looking at the amount of junk in my garage, I know I could have scrapped together £50 a month and started a couple of years before!

These days my main ‘problem’ isn’t so much keeping track of how much I’m spending on what, but deciding what to invest my money in, primarily to support an early retirement but also to provide for my wife and baby daughter; I’ve already read most of your investment articles and am starting to appreciate the importance of a diversified portfolio.

I’d love to hear your views on tax free saving particularly through SIPPs and ISAs - perhaps some pointers on how to apply the diversified portfolio theory to fund selection? I’ve got ‘All About Asset Allocation’ winging it’s way to me so that should keep me busy for a while!

Many thanks!

]]> By: plonkee http://simplepound.meewella.com/thoughts-on-debt.php#comment-154 plonkee Fri, 26 Oct 2007 00:07:33 +0000 http://simplepound.meewella.com/thoughts-on-debt.php#comment-154 A splurge fund is such a great idea that I may have to steal it (the idea, not your actual fund of course). A splurge fund is such a great idea that I may have to steal it (the idea, not your actual fund of course).

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