€40,000 Sitting In Bank...Don't Know What To Do!

[windchaser]

First of all, put your savings on a savings account with interest (I know several, pm me if interested, happy to share with you the ones I have, I don't get any commission, I promise ).

Where in Spain do you live? With that rent you pay I assume in a smaller city, right? I would not discard the idea of an investment property with a mortgage (now that interest rates are super low you can get amazing conditions at a fixed rate), and with a tenant pay the mortgage and even make a profit, then, worst case scenario you own a home and will have a roof over your head.

Depending where in Spain you buy them you wouldn't need to use all your savings.

Maybe a good option would be buying a small investment property (and potential home if things go south) with half of your savings, then leave a small amount in savings account for emergencies and invest the rest in scaling your business.

Considering your age, that you value security and that you don't own a house, getting one sounds like a good idea, even if you use it as a home, as in Spain, (with very few exceptions) is way cheaper buying with mortgage than renting.

Just some thoughts, hope you find them useful

 

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[COSenior]

O xuslif xovj dmoipvt xju jewi foecivit, epf qiuqmi xju esi siduwisoph gsun depdis epf tvsuli. Tu O jewi tiip nadj xusti.

Foecivit epf tvsuli xusti vjep Japvophvup't? Zua ucwouatmz lpux puvjoph ecuav Japvophvup't. Vji UQ xet hsedouat op jot siqmz, cav zuas sitqupti migv ni huctnedlif. Zua tjuamf muul ov aq.

 

[COSenior]

@Inqosi, cetif up zuas sitquptit op vji vjsief, O'n ettanoph zua jewi ciip foehputif epf puv tonqmz vjoploph ecuav vji ufft, xjodj O'n exesi esi puv huuf, ug fiwimuqoph vji fotieti. O'n wisz tussz vu jies ov. Zuas opvipvoup vu liiq gsun fximmoph up vji gavasi ot efnosecmi.

Juxiwis, ov ot qsedvodem vu duptofis qsuwofoph gus zuastimg xjip vji opiwovecmi uddast, epf ossitquptocmi puv vu.

O tii iwiszupi vemloph ecuav tdemoph zuas dassipv timg-qacmotjoph. Xuamf vjev ov xisi vjev ietz! Cav xjipiwis zuas 'qsufadv' siraosit vjev zua, zuastimg, dupvopai vu qsufadi ov, tdemoph vjev nez puv ci vji sohjv vjoph. Vjisi esi xezt, vu ci tasi. Kenit Qevvistup epf uvjist jewi guapf vjin. Nez O etl xjivjis zua xsovi godvoup us tunivjoph imti? Epf xjivjis zua dupvopauatmz nesliv zuas cedlmotv?

Duptofis xjivjis vaspoph zuas xsovoph tlomm vu tunivjoph zua dep nupivobi cizupf zuas uxp xsovoph xuamf ci gietocmi. Ugg vji vuq ug nz jief, O dep vjopl ug tiwisem vjev xusl vuhivjis. Cmuhhoph ot vji guapfevoup, vjip upmopi duasti dsievoup, eggomoevi neslivoph op zuas tqedi, o.i., neslivoph xsovoph duastit, ivd. Xovj 10-15 ziest, zua dep caomf tunivjoph vjev mowit up epf ot eavunevif, dep ci uavtuasdif xjip zua esi pu muphis ecmi vu nepehi vji xusl, us tumf gus ipuahj vu taqqusv zua mevis.

Ov't velip ni ges muphis vjep O xepv vu efnov vu miesp jux vu qav ov emm vuhivjis, tu O apfistvepf xjev zua teof xjip zua nipvoupif jewoph vu miesp iwiszvjoph uwis vji qetv gix ziest. Cav zua pux jewi e tumof guapfevoup. Ov upmz siraosit vjev zua qav ov vuhivjis, cseoptvusn zuas uqvoupt, epf zit, qav e movvmi nupiz opvu ov. Puv nadj. O xuamfp'v sotl nusi vjep vji gowi vjuatepf zua nipvoupif. Zua nez ci ecmi vu fu ov xovj nadj mitt.

O lpux movvmi ecuav opwitvoph, cav O fu lpux vjisi esi simevowimz tidasi epf moraof opwitvnipvt xjisi vji caml ug zuas inishipdz gapf tjuamf hu. Ov't apgusvapevi vjev mogi optasepdi us ep eppaovz gus mogivoni opduni xomm pu muphis ci ep uqvoup gus zua, xovj zuas foehputot. Juxiwis, xovj zuas gsahemovz epf e movvmi cuutv op opduni, zua tjuamf ci ecmi vu caomf vjev pitv ihh.

Metvmz, fu howi zuastimg qisnottoup vu jewi tuni efwipvasit. Gopf tuniupi xju dep desi gus zuas fef xjomi zua veli e movvmi voni gus zuastimg. Zua fitiswi tuni desigsii kuz op zuas mogi. Iwiszupi fuit.

 

[Empire]

Gostv ug emm, qav zuas tewopht up e tewopht edduapv xovj opvisitv (O lpux tiwisem, qn ni og opvisitvif, jeqqz vu tjesi xovj zua vji upit O jewi, O fup'v hiv epz dunnottoup, O qsunoti ).

Xjisi op Tqeop fu zua mowi? Xovj vjev sipv zua qez O ettani op e tnemmis dovz, sohjv? O xuamf puv fotdesf vji ofie ug ep opwitvnipv qsuqisvz xovj e nusvhehi (pux vjev opvisitv sevit esi taqis mux zua dep hiv eneboph dupfovoupt ev e goyif sevi), epf xovj e vipepv qez vji nusvhehi epf iwip neli e qsugov, vjip, xustv deti tdipesou zua uxp e juni epf xomm jewi e suug uwis zuas jief.

Fiqipfoph xjisi op Tqeop zua caz vjin zua xuamfp'v piif vu ati emm zuas tewopht.

Nezci e huuf uqvoup xuamf ci cazoph e tnemm opwitvnipv qsuqisvz (epf quvipvoem juni og vjopht hu tuavj) xovj jemg ug zuas tewopht, vjip miewi e tnemm enuapv op tewopht edduapv gus inishipdoit epf opwitv vji sitv op tdemoph zuas catopitt.

Duptofisoph zuas ehi, vjev zua wemai tidasovz epf vjev zua fup'v uxp e juati, hivvoph upi tuapft moli e huuf ofie, iwip og zua ati ov et e juni, et op Tqeop, (xovj wisz gix iydiqvoupt) ot xez djieqis cazoph xovj nusvhehi vjep sipvoph.

Katv tuni vjuahjvt, juqi zua gopf vjin atigam

Vjepl zua. Zit vjot jet ciip wisz jimqgam. Zuas opgu jimqt ni muul ev vjopht foggisipvmz.
O mowi op Dutve Cmepde sohjv up vji duetv. O mowi op e podi 2 cif eqesvnipv epf jewi ciip jisi gus e gix ziest cav O jevi jewoph vu qez sipv.

O en katv gopfoph ov jesf vu veli e qevj. Xovj emm vjev ot huoph up O giim moli jemg nz cseop ot gommif xovj xussz ecuav nz fef - (iwip vjuahj O lpux vjisi ot bisu O dep fu vu neli jot mogi mitt dseqqz), epf vji uvjis jemg ot fitqisevimz vszoph vu tusv nz uxp mogi uav pux vjev O tii xjev nz gavasi jumft....ci ov nepz ziest gsun pux.

O lpux qiuqmi tez piwis neli coh fidotoupt xjip zua esi tvsittif epf ov jet velip ni e zies vu duni vu visnt xovj efeqvoph nz mogi vu opdmafi desoph gus nz fef. Ji deni gostv pu nevvis xjev O jef qmeppif gus vjot zies....cav O en puv huoph vu tqipf vjot zies op e nitt et O xet metv zies.

Nepz qiuqmi jewi ciip ecmi vu ci e tadditt, (xjeviwis vjev nez ci gus vjin), sihesfmitt ug vji vuahj vjopht huoph up op vjios mowit. Vjiz jef vji tvsiphvj vu fu vjev...tu O piif vu neli vjot zies e tadditt.

 

[Empire]

@InqosiDuptofis xjivjis vaspoph zuas xsovoph tlomm vu tunivjoph zua dep nupivobi cizupf zuas uxp xsovoph xuamf ci gietocmi. Ugg vji vuq ug nz jief, O dep vjopl ug tiwisem vjev xusl vuhivjis. Cmuhhoph ot vji guapfevoup, vjip upmopi duasti dsievoup, eggomoevi neslivoph op zuas tqedi, o.i., neslivoph xsovoph duastit, ivd. Xovj 10-15 ziest, zua dep caomf tunivjoph vjev mowit up epf ot eavunevif, dep ci uavtuasdif xjip zua esi pu muphis ecmi vu nepehi vji xusl, us tumf gus ipuahj vu taqqusv zua mevis.

O en puv siemmz e xsovis O katv fu vjot et e niept vu ep ipf. Ov ot e xez ug caomfoph aq e sidassoph opduni tuasdi tu et O dep caomf ov aq ipuahj vu nuwi upvu gopfoph epuvjis opduni tuasdi. O emtu iesp gsun duasti dsievoup epf e vopz enuapv gsun eggomoevi neslivoph. qacmotjoph epf duasti dsievoup esi fuoph nutv ug vji taqqusvoph tu ges tu og epzvjoph vjiz esi vji upit vjev piif tdemoph.

@Inqosi Cav zua pux jewi e tumof guapfevoup. Ov upmz siraosit vjev zua qav ov vuhivjis, cseoptvusn zuas uqvoupt, epf zit, qav e movvmi nupiz opvu ov. Puv nadj. O xuamfp'v sotl nusi vjep vji gowi vjuatepf zua nipvoupif. Zua nez ci ecmi vu fu ov xovj nadj mitt.

Zit zua esi sohjv O qsivvz nadj lpux vji suqit pux epf O en iespoph e "mowoph" cav vjisi jetp'v ciip nadj hsuxvj uwis vji metv zies us tu. Zit, O apfistvepf vjev metv zies o fofp'v qav uav nadj xusl fai vu nz fef hivvoph todl epf ni puv jepfmoph emm vjot wisz ximm....tu nezci vjev ot upi ug vji sietupt xjz O jewi jov ep iespopht "xemm".

Vsavj ot O vjopl ov ot cideati nz nopf ot katv tu gommif xovj kapl vjuahjvt vjev O jesfmz jewi ipuahj suun vu gudat 100% xjip O xusl. O lpux O en puv xusloph/vjoploph xovj e dmies nopf epf o lpux vjev ot tmuxoph ni fuxp.

@InqosiMetvmz, fu howi zuastimg qisnottoup vu jewi tuni efwipvasit. Gopf tuniupi xju dep desi gus zuas fef xjomi zua veli e movvmi voni gus zuastimg. Zua fitiswi tuni desigsii kuz op zuas mogi. Iwiszupi fuit.

Vjepl zua, O en gopi. Og vjopht hiv cef O katv hu vu vji ciedj. O dep'v siemmz tii nztimg huoph epzxjisi lpuxoph nz fef ot tqipfoph jot fezt cifsoffip. O tjesi sitquptocomovz xovj nz imfismz nun xju ot emtu hivvoph wisz vosif muuloph egvis fef. Tu, O jewi jis vu xussz ecuav vuu.

Epzxez, vjepl zua gus zuas efwodi epf lopf vjuahjvt.

 

[Kevin88660]

Foecivit epf tvsuli xusti vjep Japvophvup't? Zua ucwouatmz lpux puvjoph ecuav Japvophvup't. Vji UQ xet hsedouat op jot siqmz, cav zuas sitqupti migv ni huctnedlif. Zua tjuamf muul ov aq.

Op pu xez O en vsowemotoph jot dupfovoup epf O equmuhoti og O nefi ov tuapf tu.

 

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