NZThrowaway
(never worked anywhere that has paid a bonus)
2007 - 2008 - 38.5K - grad position, web dev 2009 - 2011 - 55K NZD - new job, web dev 2011 - £60K - web dev contracting in London 2012 - £84K - web dev contracting in London 2013 - 150-180K NZD - remote senior web dev contracting from NZ
Tax in the UK was somewhere between 20-30%. Tax in NZ works out ~30% roughly.
Cost of living in the UK was expensive. In comparison I own my own house in NZ and my mortgage repayments are less than we were paying in rent in the UK.
32, living in down south in New Zealand. Working for clients around the world, mostly in the UK.
Making $150-180K per year.
Bank accounts $15K in NZ ~$50K in the UK account from client payments over the last few months
Own the house we built for $580K in 2016, it has recently been valued at $650K. Have a mortgage on that of $320K.
Have another mortgage of $180K on a $260K house split with a friend when we brought a rental property at the start of this year.
Have about $10K worth of crypto, down from dizzying heights at the start of the year :D, from a $4k gamble just over a year ago.
I think we have ~$20K in a superannuation accounts, which we haven't put anything into since I've been working for myself.
Interest rates on the mortgages are 4.19% p.a.
Other than the mortgages we have no other debts. We being my partner and I, our 1 year old, a dog and 2 cats.
On one hand I feel like we're doing OK. But for the amount I'm making I feel like we should be saving / investing more.