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Where is EZ ISA?
We’re based in Ramsbottom, UK

Mark Sekree Posted:
5 years, 340 days ago (January 10th 2013)

Financial Advice

What I do with my money

I shouldn’t preach unless I practise- so what do I practise?

No Debt
(other than student loan and mortgage)
If I can’t afford to buy it outright I don’t buy it. This means I drive/ride older (but brilliant) cars/motorbikes, save up for anything expensive and don’t look at what I can’t afford. If I can’t afford to pay for it now I probably can’t afford it at all.

Careful Spending
I’m happy spending money if I get value- for example I’d much rather actively buy slightly second-hand top-quality equipment than be sold average brand-new stuff, even if the average stuff is cheaper.

As soon as I’m paid money is direct debited for all my essentials- including short term and long term savings. Short term savings are automatically transferred to a separate current account and deliberately used for frivolous travels and toys. Long term savings are there to give me freedom and security. Both short and long term are important to me. The rest tends to get spent each month.

Short term savings I keep in a current account for easy access. Long term savings I use EZ ISA to invest- as a high risk and experienced investor I use the SEI Growth Portfolio for some of my investment and pick and choose the rest myself.

End of Tax Year
If I have spare money I’ll reduce my tax bill with pension contributions and possibly EIS/VCT investments.

The regular savings and managed investment features of EZ ISA makes this ‘plan’ incredibly easy for anybody to set up and stick to- just one hour should do it. After that it’s all automatic and will make your life easier, less stressful and more organised as well as hopefully getting you some good investment growth over the years.

Give me a call on 07983 769606 any time if you’d like to talk more about how to manage your money and how to set up an EZ ISA.


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