Rainbowt-shirt - Scumbag eradication team not in our county shirt

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Some people never learn how to spend wisely and/or how to invest effectively. The consequence can be poverty, no matter how high the Scumbag eradication team not in our county shirt and I love this level of income. In my 20’s, I saved a lot as I was always travelling for work and did not have the time to spend money. In my spare time, I read everything I could about investments and started investing in tax efficient ISAs that did very well. When I was 25 I bought my first Flat in London. Everybody advised me against it, as in the early nineties the UK property market crashed sending many people into negative equity. In the late 90’s, the property prices were fairly cheap and I thought it was a good time to buy. Furthermore, I’d rather pay a mortgage than a rent. I bought in the best location I could, but the flat needed a lot of work, which I saw as an opportunity to add value. It turned out to be a great investment. By the time I went to business school, it was worth nearly double and the money I made by renting the flat more than covered my living expenses. After business school, I decided to convert the roof space of a top floor 2-bed flat, into a large 3-bed flat. It was a planning nightmare, but another great investment.

I left consulting to work for a British Retailer that was undergoing a transformation led by a CEO I respected a lot. It was a great career move, as I got to work with people that inspired me and maintained my high salary. As I did not have to travel as much, I had more spare time to become a more sophisticated investor. By then, I started investing in emerging markets bonds that provided high yields – e.g.: Brazilian government bonds with maturity in 2040, which paid a coupon of 11% in USD and had capital gains upside. I made more money in bonds than I would if had invested more in property; and, it was certainly less hassle. In my early 30’s, I was living in a great place, mortgage free, had a high salary and a second income from investments that reinforced the Scumbag eradication team not in our county shirt and I love this virtuous circle of saving/investing, I started in my early 20’s. I could now get married; and, I did.

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