You reduce your outgoings Increase your income & then invest the margin between the two However simple doesn’t mean easy! You can only reduce your outgoings so far…. & increasing your income comes with sacrifice, you will likely need to work a job and have a side hustle too… Then there is the question of what do you invest in? Well I choose property…. Why? It’s a well-known asset class that historically has appreciated in-line with inflation, plus the best bit, it can provide a stable low-risk income that you can use to give you financial and time freedom … 🏡

Buy a property now for say £100k (North East prices) & after costs earn £250 pcm. This will cost you approx. £30k-£40k of your own money (depending on specific property) using a 75% loan to value mortgage. That property is predicted to grow by 28.2% over the next 5 years (Savills, based on North East) – meaning the property will then be worth £128,200. Remortgage the property at the new increased value to release approx. £20k (tax free too!) + your 5 years rental profits of £15,000 = total £35,000. Buy another property 🏡🏡 The next time around you then have 2x properties to repeat the process on, this then doubles each time 🏡🏡🏡🏡 & the rent is increasing too ☝️💷 Playing the long-game creates serious wealth 😎

✅ Sometimes it pays to slow down, when our heads are in ‘work mode’ they seem to have a habit of going around in circles – taking yourself ‘out’ & giving yourself down-time sparks new ideas and creates motivation. We often mistake ‘time out’ as wasted, however it is often quite the opposite 🤔 ✅ People have similar problems no matter how sunny their surroundings look. It’s easy to think the ‘grass is always greener’. I’m sure you’ve looked at house prices when abroad and dreamed of escaping wet England, however you will still face challenges wherever you are, you will not escape problems for an ‘easy life’. It’s all about picking which challenges you wish to face and creating a balanced happy life – learn to enjoy the present ⚖️ ✅ A healthy lifestyle fuels a healthy mind – the Italians have it right by focusing on local, fresh ingredients (their climate really helps with this!), but you can still achieve this at home. I already paid strong attention to what I ate, however I’m now even more focused. Your energy, immune system and efficiency all relies on what you put in your body 💪 Now back to trying to keep a positive outlook in wet, windy England 😂

YES we can STILL make BUY TO LET PROPERTY INVESTMENT WORK 💰📈 & even better it’s a low-risk, long-term strategy…. ✅ Buying low cost property, adding value and then refinancing to release equity THE BUY REFURBISH REFINANCE BTL STRATEGY STILL WORKS WELL IN THE NORTH!

Sometimes, you just need to START & TAKE ACTION…. You’ve done the research, you’re excited, you’re 80% there…. But then doubt sets in…. I’ll wait until I’m 100% sure, then it’s the right time…. 🤷 Well guess what, YOU’LL NEVER BE 100% SURE❗ If you’re 80% there and it feels right, JUST DO IT 😉