It's Mental - 10/08/2025

 Blog Entry: Breaking Through the Mental Barrier

Today I had one of those “aha” moments that hit you right in the chest.

I’ve been following the playbook strategy I've spent quite some time co-creating with ChatGPT — moving money from my primary account into a Cash ISA, a S&S ISA, and a SIPP. 

At first, truth be told, it felt a bit strange. Every time I saw my bank balance go down after a transfer, my brain would fire warning sirens. “You’re losing money!” in red flashing neon.

But today, something clicked.

I realised my balance isn’t going down because I’m losing money — it’s going down because I’m allocating money. I’m putting money to work. 

I am seeing my pots slowly growing. I see incremental interest payments landing in my cash ISA, and that little dopamine kick when I log in and check those numbers is starting to replace the old panic I've been feeling.

My Monday GILT buy routine is becoming second nature. My phone alarm goes off at 11:15, I pull over during my mandatory break, and by 11:30 the trade is done — no drama, no stress, just a couple of taps on the phone screen and it's done.

What’s even more exciting is seeing how momentum is building. The more I do it, the easier it gets. And the easier it gets, the more motivated I am to keep going. I’m starting to feel like my assets and investments are awakening, stretching their legs, and one day they’re going to work hard enough to pay me a living wage.

That’s the dream — to build this money engine so that one day it runs at full throttle and I can downshift into a life where I’m no longer trading time for money.

For the first time, I’m not just reading about investing, I’m living it. And I’m really starting to enjoy it.

Comments

Post a Comment

Popular posts from this blog

First Corrections - 17 / 08 / 2025

Image
Sunday, August 17th, 2025: Refining My Financial Plan — The Fortress Phase Update In revisiting my earlier financial plan, I spotted a key error I’m grateful to have caught early. This highlights why documenting and reviewing plans regularly is essential for staying on track. The correction is this: I previously stated that from September 1st, 2025, I would transfer £420/month into a Cash ISA. That’s not accurate. My War Chest is sacred—its funds strictly reserved for executing my long-term strategy. Phase 1: The Fortress Phase (12-24 months) The  engine room  of my financial strategy is now defined as follows: Gross Weekly Earnings (net): £500 Living Expenses Allocation (Primary Account): £150 (30%) Weekly Investable Capital (Secondary Account - "War Chest"): £350 (70%) Starting September 1st, I will allocate a weekly standing order of £350 to my Secondary Account. Until I spot the right investment opportunities, this capit...
Read more

Interesting Words from Leon Boris

Some words of wisdom from a Stocks and Shares ISA millionaire who achieved multi millionaire status from investing a mere £300,000 between himself and his wife.  "Investing is buying time for yourself." "If you keep doing something, eventually, the luck will come" "Good companies remain good companies for a long time." "The problem with investing is that it's really deferred gratification." "Dogmatic belief combined with an aggressive personality, I think, is the fastest way to get to zero." "You've got to accept that you might be wrong, and a lot of people have various biases in their nature where they don't really want to accept that they could be wrong." "People tend to either suffer from irrational exuberance and get carried away to the upside, or be too depressed about things on the downside." The introduction of machinery allowed for a more efficient economic system that created new opportunities. M...
Read more

Advancements Elsewhere - 19/09/2025

Four transfers later within the first month and I've reached £1,000 in cash ISA. It feels like progress. There is growing hope that I will reach my local target. I think it was around £12,500, I can't recall the exact end figure in the plan. I only remember what I need to do each week and stick to it.  My second pension payments coming up and it might coincide with the transfer of a second lost Scottish Widows pension. I won't get tax relief on the transfer as it has already been paid but an £425 one off monthly installment will make a nice different to that plan. I am still in the process of discovering lost pensions. I've missed one and it was an electronics assembler role I had when I was much much younger - a long time ago. I don't think it's great due to the rate I was earning at the time but I do think there should be some hidden cash somewhere as a result if that role for sure.  GILT payments are in schedule. I'm not really making any money at the mom...
Read more