{"id":48230,"date":"2025-01-26T08:51:36","date_gmt":"2025-01-26T08:51:36","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/investing\/loopholes-to-f-i-r-e-south-wales-fi\/"},"modified":"2025-01-26T08:51:36","modified_gmt":"2025-01-26T08:51:36","slug":"loopholes-to-f-i-r-e-south-wales-fi","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=48230","title":{"rendered":"Loopholes to F.I.R.E. &#8211; South Wales FI"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div id=\"content\">\n<p>Firstly- this is no \u201cget rich quick\u201d, these are just some of the loopholes that you <strong>could<\/strong> use to get to your FIRE number earlier than not using them. That, of course, doesn\u2019t mean that you have to use them- they might not work for you. Increasing your savings rate is the quickest way to FIRE- if you earn \u00a3200k but only save \u00a31k, you are never going to retire. MrMoneyMustache has this <a href=\"https:\/\/www.mrmoneymustache.com\/2012\/01\/13\/the-shockingly-simple-math-behind-early-retirement\/\" target=\"_blank\" rel=\"noopener\">great article here<\/a> that goes into more detail- but this table shows it all:<\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"314\" height=\"537\" src=\"https:\/\/southwalesfi.co.uk\/wp-content\/uploads\/2022\/06\/image.png\" alt=\"\" class=\"wp-image-545\" srcset=\"https:\/\/southwalesfi.co.uk\/wp-content\/uploads\/2022\/06\/image.png 314w, https:\/\/southwalesfi.co.uk\/wp-content\/uploads\/2022\/06\/image-175x300.png 175w\" sizes=\"auto, (max-width: 314px) 100vw, 314px\"\/><figcaption>Source: MrMoneyMustache article linked just above<\/figcaption><\/figure>\n<\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Increase_main_income_first\"\/>Increase main income first<span class=\"ez-toc-section-end\"\/><\/h2>\n<p>If this isn\u2019t obvious- then you must be very early on your FIRE journey. The quickest\/biggest thing you can do is to increase the income at the job you work at everyday first. This could be by learning new\/more skills, doing more qualifications, or just job hopping as you move up the job ladder until you income increases. Imagine for a moment that you manage to cut your grocery bill by 20% (from \u00a3300 to \u00a3240 a month), that adds up to a saving of \u00a3720 a year. Nothing to sniff at right? Well, what if you manage to secure (a normally good- ignoring current inflation for the moment) rise of 5%? From, say, \u00a325,000 to \u00a326,000, you suddenly have  \u00a3667 (after tax\/pension) to spend, almost the saving you made on your groceries. That\u2019s not to say you can\u2019t do both as well.<\/p>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reduce_rentingowning_costs\"\/>Reduce renting\/owning costs<span class=\"ez-toc-section-end\"\/><\/h2>\n<p>The number one expense for everybody is housing. It\u2019s expensive pretty much to own or rent in the UK. There are obvious exceptions to this (housing is way cheaper in the North for example), but for most its the largest bill that you will have. So, look to reduce this- live somewhere cheaper and commute (or WFH), share with friends, take in a lodger (tax free!), live with your parents (eww, but if its a means to an end). Just remember that every pound you can save here, is money you can put into investments to FIRE earlier.<\/p>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Use_cashback_wherever_possible\"\/>Use cashback wherever possible<span class=\"ez-toc-section-end\"\/><\/h2>\n<p>There are some things that you cannot avoid buying (food) and some things you just want to buy. If you aren\u2019t getting cashback on every single purchase you are just wasting money. Sure, credit card rewards aren\u2019t great in the UK compared to other countries- you can still get 1% generally. With introduction offers timed well (eg. before a nice holiday\/large purchase) you can generally find 3-5% off for a short period (or reward limited). Use these wisely- and don\u2019t spend just for the cashback!<\/p>\n<p>There are also cashback sites like <a href=\"https:\/\/www.topcashback.co.uk\/ref\/aligibbs\" target=\"_blank\" rel=\"noopener\">Topcashback<\/a> that will pay a percentage back into your account. Which you can then later withdraw as cash (or vouchers worth 100%+ of the value). Again, don\u2019t buy things that you weren\u2019t already going to, but for things like broadband\/mobiles\/insurance etc, it\u2019s a great way to build some extra cash. I\u2019m up to way over \u00a32k from using topcashback over the years.<\/p>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Make_your_bank_work_for_you\"\/>Make your bank work for you<span class=\"ez-toc-section-end\"\/><\/h2>\n<p>I don\u2019t think that anybody really likes their bank account (maybe fintech Monzo\/Tandem\/Starling apart), so why are you still with them? Every year or so, various banks have switching offers to try and seduce you to move to them. With the current account switching service (CASS), its now as simple as filling out a form as you sign up to the new bank account and they will move your direct debits, the money and for at least 13 months (more like 36 months) old payments will also be forwarded to your new account. MoneySavingExpert keeps this <a href=\"https:\/\/www.moneysavingexpert.com\/banking\/compare-best-bank-accounts\/\" target=\"_blank\" rel=\"noopener\">page up to date with all the best bank accounts<\/a>.<\/p>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dont_run_a_car\"\/>Don\u2019t run a car<span class=\"ez-toc-section-end\"\/><\/h2>\n<p>So, this is going to sound pretty crazy- but bare with me for moment. How much (per mile) do you think your car costs you? About 15p with petrol\/diesel at it\u2019s current prices? What if I told you its actually about 6x that price at about \u00a31 per mile (if not even higher with a nice car on PCP). I\u2019ve written in more detail about this <a href=\"https:\/\/southwalesfi.co.uk\/2020\/03\/20\/why-your-car-is-making-you-retire-5-years-later-or-longer\/\">here if you want to see the calculations<\/a>. What do you do instead to get around though? Hire a car, per hour or per day, as you need it. Sure, \u00a38 for an hour seems expensive, but you only have to do 8 miles and its cheaper to hire!. Let alone the time wasted with maintenance, mot, having to research\/buy\/lease a new one every x years. Cycle- apart from buying the bike, maintenance is minimal and it\u2019s good exercise too (remember to add to your house insurance)<\/p>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reduce_bills_Energy_particularly\"\/>Reduce bills (Energy particularly) <span class=\"ez-toc-section-end\"\/><\/h2>\n<p>There are some bills that are rather difficult to avoid (council tax), and others that can be avoided entirely (TV Licence- if you don\u2019t watch live tv). Energy costs in the UK are currently 50% higher than \u201cnormal\u201d, with prices in October likely to go even higher. If you own your own home and haven\u2019t insulated your loft, what are you waiting for? Either DIY (\u00a3100-200) or get somebody to do it for you (\u00a3300-400) and you will save that this winter, let alone winters to come. If you can\u2019t get solar panels, invest in companies that have solar farms (eg. Foresight Solar)- or other renewable generation. You will both get a healthy dividend and help the energy costs come down in the future (once we stop generating so much electricity from gas).<\/p>\n<p>Review all your monthly bills- each \u00a31 a month is costing you \u00a3300 that you need to have invested to offset this. Is it easier to save \u00a31,500 or cancel something costing you \u00a35 a month? Again, this is all a balance, if you get value from it- keep it, it\u2019s only things that you aren\u2019t using that you should dump. Share a spotify family account, netflix profile etc.<\/p>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Use_a_LISA_if_you_are_on_basic_rate\"\/>Use a LISA if you are on basic rate<span class=\"ez-toc-section-end\"\/><\/h2>\n<p>Do read my article on pensions first- this assumes you are already are matching your employer contributions. If you have no higher rate earnings- use a LISA! Why? \u2013 well because everything in a LISA can be withdrawn tax free, and has the same uplift as a basic rate SIPP contribution as well. It also avoids the LTA limit that could be more problematic if this doesn\u2019t get increased in the future as well.<\/p>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Got_any_more_tips_Let_me_know_in_the_comments_and_Ill_add_them_to_the_list\"\/>Got any more tips? Let me know in the comments and I\u2019ll add them to the list<span class=\"ez-toc-section-end\"\/><\/h2>\n<p>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<!-- Start Tags --><\/p>\n<p>\t\t\t\t\t\t<!-- End Tags -->\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Firstly- this is no \u201cget rich quick\u201d, these are just some of the loopholes that you could use to get to your FIRE number earlier than not using them. That, of course, doesn\u2019t mean that you have to use them- they might not work for you. Increasing your savings rate is the quickest way to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[96],"tags":[27065,28869,6658,9699],"dealstore":[],"offerexpiration":[],"class_list":["post-48230","post","type-post","status-publish","format-standard","hentry","category-investing","tag-f-i-r-e","tag-loopholes","tag-south","tag-wales"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Loopholes to F.I.R.E. - South Wales FI - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=48230\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Loopholes to F.I.R.E. - South Wales FI - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Firstly- this is no \u201cget rich quick\u201d, these are just some of the loopholes that you could use to get to your FIRE number earlier than not using them. 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