@ 2012 LOL . and so far how are u doing

NSE is my saving account.

The ''Classical Saving culture'' which i define as letting the bank keep my money and pay me 1.45% while if i want a loan i pay 18% plus all sorts of fees is a culture which was never inculcated in me when i was young and growing up!

That said i vowed never to repeat the same mistake. My young children have bank accounts with over 5 zeroes charged by standing orders... i would rather fix it with an overdraft than not to charge their account.... the good thing with this accounts 'Kids' is that they have no charges at all but accumulate some stupidly ridiculously low interest but it sole purpos eis to take care of their educational and other needs. I also have a savings account which is the primary recipient of all the dividends paid but most of the time it is always in red!

All the free money goes to the NSE a 5 zero figure every two months from my checking account. This is what i consider my saving account (NSE Shares) because i can always liquidate and take cash in a week... When i need cash fast enough my credit card takes care of that. I have also developed a culture oof spending is via Credit Cards and paying my bills at the end of the month when i get the statement. Its my checking account dominating the proceedings and sorting out all the major expenses via standing orders.
Most people hate credit cards..... because of the wrong reasons...or because the media potrays them as such....credit cards just makes things easier and unlike a debit card i am cushioned against unauthorised transactions over the internet if the details falls to thugs..... i fell a victim once and i never paid a single cent from the fraudulent transactions amounting to 55K by the time i realised something when my card was rejected as i was shopping at Tuskys and called Visa only to be told that my card was being to purchase airline tickets plus hotel room deposits in Spain.

This is on net not gross. Never count paye it will never be yours but there are ways of reducing what caesar takes eg increasing your pension contribution to 20k and mortgage.
Speak to your accountants, they know things only gods know. Have you ever wondered how those accountants with average salaries have so many lucrative investments? Never tharao them, they know mathings.

20 year old student. parents not paul wanderi and martha stewart (though i wish they were) i save 1k a month and bottom feed on the nse.

AMEN!!