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  1. Empire

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

    HOT! 
    Yes it is 30% down here. That is certainly an option. Not sure if where I live will be a big Air BNB place as its not very touristy but who knows; I haven't researched it so it could be a good spot. Thank you.
  2. Empire

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

    HOT! 
    Yes...that's true. With what I have in savings I would have no choice but to take out a mortgage. After fees I would have very little left for anything else for at least a few months until I can build up savings again. Haha...I will get back to you on that. Thank you.
  3. Empire

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

    HOT! 
    Well, if it something I have made my mind up about then I will make time. I got to this point in savings because I live frugally. I don't own transport, (cycle everywhere), I don't eat out or go out much, I don't spend money on things I don't need, haven't dated for a while to stay focused and...
  4. Empire

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

    HOT! 
    Yes. What has happened is that I have arrived at what seems to be a set amount of earnings coming in each month. It's like I hit a wall and need to climb up and over it to get to the next level of earnings.....scaling. Maybe paying for outsourcing will get me over that wall. Maybe I need to...
  5. Empire

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

    HOT! 
    Yes, that is one of the options I have been thinking about. I am not 100% sure what is working but maybe if I pulled away say €5,000 and used it to scale up what I am doing that may bring more money in which in turn may help me to save up/invest more. Yes, being financially free would certainly...
  6. Empire

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

    HOT! 
    Hello Everyone, I am requesting advice, opinions, thoughts from anyone who wants to share. I have learned so much from just reading what members have to say in this forum. This place is filled with very smart people and I admit that sometimes I just cannot keep up. Right now I am really doing...
  7. Empire

    Real Estate Crowdfunding - Is It A Waste Of Time?

    Due diligence is a given. The housing market in Spain seems to be skyrocketing at the moment though.
  8. Empire

    Real Estate Crowdfunding - Is It A Waste Of Time?

    Hey there, I have some money saved up and have been searching for any good ways to invest it....instead of let it sit in the bank. I see real estate crowdfunding seems to be popular with a not so difficult entry level. So someone could invest a few thousand on a property or two. I am not sure...
  9. Empire

    I've Read UNSCRIPTED!

    GOLD! HOT! 
    I read UNSCRIPTED as soon as it was launched. A fantastic book but I think one read, for me, was not enough to pick up all the info. I need to get back to it but this time take notes because there was a lot to take in. I still prefer Millionaire Fastlane as I feel that was the book that kind of...
  10. Empire

    I've Read The Millionaire Fastlane!

    GOLD! HOT! 
    I actually read the Millionaire Fastlane quite a few years back and it taught me to look at the world of entrepreneurship differently. I was comfortably chugging along the "slowlane" and didn't even know it. A couple years back I listened to the audio book and I feel right now I am due for...
  11. Empire

    Where To Turn? - Spend My Savings On Life Or Buy A Home & Be Responsible?

    My next steps? I think I definitely need to sort out my mindset. I think that is a big part of why I seem to struggle with things. I need to find a way to deal with my negative voice. Begin getting into the habit of planning my weeks and not just letting things "happen".....begin taking control...
  12. Empire

    Where To Turn? - Spend My Savings On Life Or Buy A Home & Be Responsible?

    Well there are 90k apartments around but not in the best of locations. To me the location is priority. In any case, I could probably have a down payment of 30% as 50% would wipe my account. Yeh, I see what you are saying. If I did decide to go down this "responsible" path it would be totally...
  13. Empire

    Down and out... a warning.

    HOT! MINDSET 
    Dude I feel what you are going through. I am actually going through similar thoughts myself and have had a lot of positive help from members of this forum. You are so right about wasting time and giving up. I was actually hanging on a thread before posting to FLF. I needed some direction and a...
  14. Empire

    Where To Turn? - Spend My Savings On Life Or Buy A Home & Be Responsible?

    Thanks for your thoughts Aaron. I am sorry to read about your dad, it must be a tough time for you right now. I have had a few people mention that making a big decision would not be a good idea for me right now. I do agree with this but I also know what I am like...meaning that I need to do...
  15. Empire

    Where To Turn? - Spend My Savings On Life Or Buy A Home & Be Responsible?

    Thank you for your kind words and thoughts on this. I hadn't thought that maybe this is some sort of grieving process for me. You may be right because I do have moments when I think of my dad laying there in his bed alone at night and I get very strong feelings of sadness and guilt for his pain...
  16. Empire

    Where To Turn? - Spend My Savings On Life Or Buy A Home & Be Responsible?

    Thank you so much! That last sentence brought tears to my eyes...in a good way. Right now my dad is the one who is doing the suffering, (as well as my elderly mum who has to look after him full-time when she should be relaxing). I am overwhelmed with guilt sometimes as I am not suffering from...
  17. Empire

    Where To Turn? - Spend My Savings On Life Or Buy A Home & Be Responsible?

    Thank you for your reply and kind words. I am involved with non-fiction books rather than fiction. Unfortunately I am not a good fiction writer; I tried it and it is not for me. So earnings are not as big as say a fiction writer may be who has published a similar amount of books as myself. The...
  18. Empire

    Where To Turn? - Spend My Savings On Life Or Buy A Home & Be Responsible?

    Thanks for taking the time to share your experience. I am sorry to read about the stresses and strains you have been through over the past year or so. You are right that I should not allow any kind of depression take hold of me. I do suffer from Depression but over the years I have learned...
  19. Empire

    Where To Turn? - Spend My Savings On Life Or Buy A Home & Be Responsible?

    Thank you Phikey for this detailed advice. You are correct that I need to break things down...I just let everything get on top of me and became overwhelmed; paralyzed. I had no idea there were companies that provided accountability partners. This is certainly something I can look into as soon...
  20. Empire

    Where To Turn? - Spend My Savings On Life Or Buy A Home & Be Responsible?

    Sparechange thank you for taking the time to read my post and offer me your thoughts. Just by reading through this thread I can see that this forum was the right place for me to "ask for advice". So many amazing people who have taken the time to offer their opinions and advice. You mention real...

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