Hello everyone.
So I'm a Polish citizen and my family moved to UK when I was 7 (I'm 22 now) I have started work since I was 16 and I have been working hard ever since. Juggling work and studies for a long time. I have been living by a really stupid saying "work hard, play hard" so I have spent a decent amount of my money on console games and partying. I only started to save up properly last year and I have bought a apartment in Poland 50/50 with my dad. They cost about £50,000 which brings in about £200 a month so when the income is split we take £100 each. My income is about £1,800 after tax im a catering assistant at NHS hospital and also work as a pizzahit manager.
My outgoings: Rent £250 Car insurance £150 Phone bill £100 Gym membership £25 And 175 of disposable income including stuff like Netflix, amazon prime, food etc.
So after all of this I usually save up £1000 a month
I am currently living with my parents, 2 sisters and my girlfriend. I don't mind the living agreements and I'm happy with it it let's me stay close to my family and saves me money.
So I have made some really bad digestion this year I got tired of saving up for that house and took out a loan to get a new pc and redo the room. I am now £8.5k in debt on a personal loan.
So my question is this. What do I do now with my income ? Do I save up to buy a car? Or a save up to buy a flat with one bedroom apartment so I can move in with my girlfriend?
Or do I lay down a deposit for a 3-4 bedroom house and live in one and rent out the rest ?
Many thanks for taking the time to read this. I really do appreciate any input
Submitted April 25, 2020 at 10:39PM by Lukiasz https://ift.tt/2VAXILU
