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A WOMAN who owns three properties and has an impressive £75,000 in savings has shared her strategy for retiring by the age of 40.
Charlie Louise is determined to save as much money as possible, and in a recent video on her TikTok channel, she disclosed the five money rules she consistently follows.
Chloe has £75k saved at just 27
She shared her money saving tips
The savvy saver’s first rule is to dine out only on special occasions or when participating in mystery shopping, which allows her to review meals in exchange for free food.
She also mentioned that she treats herself to takeout only about three times a year.
Charlie's second rule is to focus on investing her savings in a stocks and shares ISA, enabling her to watch her money grow.
She is currently 25% of the way towards her £100,000 target.
For this frugal individual, work doesn't end at 5 PM. Charlie spends her evenings engaged in mystery shopping, market research, and product testing.
“My 20s are all about earning money to gain more freedom in my 30s,” she stated.
She aims to earn £27 daily, which will accumulate to an impressive £10,000 over the year.
Each month, Charlie sets aside just £200 for non-essential expenses and only uses her credit card for rewards.
“I decline invitations to go out with friends if it would exceed my £200 monthly budget,” she confessed.
Lastly, Charlie maintains a strict budget for all her expenses and purchases gift cards whenever possible to earn cashback, which she applies toward her mortgage.
“I don’t ignore my financial situation, whether it’s positive or negative,” she noted.
Charlie's @charlie_louise_cc video has garnered significant attention, amassing over 188,000 views on the platform.
TikTok users rushed to the comments section to express their thoughts on her money-saving hacks.
One user commented: “These are excellent rules.”
“I’m envious of your stocks and shares balance.”
Money-Saving Tips from Gemma Bird: Save £2k Before Christmas
IF you're looking to save money, you've come to the right place, as Gemma Bird has shared her top tips to help you save £2,000 before Christmas.
- Set a budget: Monitor your spending and create a realistic budget.
- Cut unnecessary costs: Cancel unused subscriptions and refrain from impulse purchases.
- Meal planning: Organize meals to lower grocery expenses and reduce takeout orders.
- Sell unwanted items: Declutter and sell items online for additional cash.
- Cashback and discounts: Utilize cashback websites and search for discount codes.
- DIY gifts: Create personalized gifts to save money and add a unique touch.
- Pick up a seasonal shift: An easy way to earn some extra cash during the winter is to seek seasonal employment.
Follow these practical tips from Gemma Bird to increase your savings before the holiday season!
A second commenter said: “Congratulations, that's a very reasonable and effective strategy.”
A third user added: “I love this for you!”
“So inspiring.”
Frequently Asked Questions
What are Charlie's main money-saving strategies?
Charlie's main strategies include dining out only on special occasions, investing in a stocks and shares ISA, and maintaining a strict monthly budget for non-essentials.
How much does Charlie aim to save each year?
Charlie aims to save £10,000 each year by earning £27 daily.
Eze Chidiebere Paul
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