{"id":159,"date":"2021-01-02T09:58:08","date_gmt":"2021-01-02T09:58:08","guid":{"rendered":"https:\/\/enlightenedliving.uk\/savingsaviour\/?p=159"},"modified":"2021-01-02T12:00:32","modified_gmt":"2021-01-02T12:00:32","slug":"2020s-saving-saviours-review-of-saving-and-investment","status":"publish","type":"post","link":"https:\/\/enlightenedliving.uk\/savingsaviour\/2021\/01\/02\/2020s-saving-saviours-review-of-saving-and-investment\/","title":{"rendered":"2020&#8217;s Saving Saviour&#8217;s Review of Saving and Investment"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"159\" class=\"elementor elementor-159\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6247f0a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6247f0a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-409b6e4\" data-id=\"409b6e4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8d3467e elementor-widget elementor-widget-text-editor\" data-id=\"8d3467e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Wow! I didn\u2019t realise I invested in my ISA stocks and shares so much as \u00a317K this year! This is only \u00a33K short from our yearly ISA investment allowance.<\/p><p>In the past two years, I had to borrow money to re-invest in my rental properties and this is why 2020 is showing a loan repayment of \u00a310K too. My ISA investment is there when I need it for emergencies too, and I could have withdrawn the money to refurbish my rental properties, but I had access to \u201cother people\u2019s money\u201d, and now I paid it back.<\/p><p>Ideally, I would like to be able to obtain cash advances from my rental mortgage lenders for such emergencies particularly when I have made mortgage overpayments over the years for such events. However, I spoke to my mortgage lender, and they refused me under the impression that I was going to use it to add it to my ISA investment. I felt their judgement was inaccurate, so this is why I had to borrow the money.<\/p><p>Now, I am building a separate emergency buffer for rental emergency repairs in a separate account.<\/p><p>Also, I have seen so many other people who pursue \u201cfinancial freedom\u201d topping up their 20K ISA allowance this year, perhaps Covid-19 has helped to save more due to not going out or going on holidays.<\/p><p>Thank you for reading.<\/p><p>Bertha.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1ea3a87\" data-id=\"1ea3a87\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4f61282 elementor-widget elementor-widget-image\" data-id=\"4f61282\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"678\" height=\"711\" src=\"https:\/\/enlightenedliving.uk\/savingsaviour\/wp-content\/uploads\/sites\/2\/2021\/01\/2020-investments.png\" class=\"attachment-large size-large wp-image-161\" alt=\"\" srcset=\"https:\/\/enlightenedliving.uk\/savingsaviour\/wp-content\/uploads\/sites\/2\/2021\/01\/2020-investments.png 678w, https:\/\/enlightenedliving.uk\/savingsaviour\/wp-content\/uploads\/sites\/2\/2021\/01\/2020-investments-286x300.png 286w, https:\/\/enlightenedliving.uk\/savingsaviour\/wp-content\/uploads\/sites\/2\/2021\/01\/2020-investments-11x12.png 11w\" sizes=\"(max-width: 678px) 100vw, 678px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a422740 elementor-widget elementor-widget-image\" data-id=\"a422740\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"394\" height=\"1024\" src=\"https:\/\/enlightenedliving.uk\/savingsaviour\/wp-content\/uploads\/sites\/2\/2021\/01\/2020savingbankstatement-394x1024.png\" class=\"attachment-large size-large wp-image-162\" alt=\"\" srcset=\"https:\/\/enlightenedliving.uk\/savingsaviour\/wp-content\/uploads\/sites\/2\/2021\/01\/2020savingbankstatement-394x1024.png 394w, https:\/\/enlightenedliving.uk\/savingsaviour\/wp-content\/uploads\/sites\/2\/2021\/01\/2020savingbankstatement-116x300.png 116w, https:\/\/enlightenedliving.uk\/savingsaviour\/wp-content\/uploads\/sites\/2\/2021\/01\/2020savingbankstatement-5x12.png 5w, https:\/\/enlightenedliving.uk\/savingsaviour\/wp-content\/uploads\/sites\/2\/2021\/01\/2020savingbankstatement.png 542w\" sizes=\"(max-width: 394px) 100vw, 394px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Start saving to invest now and your future self will thank you for it. <\/p>\n","protected":false},"author":2,"featured_media":161,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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