You need to start thinking like a business and not like an employee then. For example:
There's an awful lot in the south west for around £150k - £250k that can be updated into something more valuable. And nobody said you had to pay cash up front - start thinking like a business if you want to get to the real money. Friend of mine bought a £500k farmhouse and five acres of land, built half a dozen loose boxes and uses the livery fees - around £300 a week! - to pay his mortgage and insurance and still makes a profit on top of his real salary.
Secondly, your total permie package right now is roughly equivalent to what the average freelance PM gets, who is probably turning over £100k but working away from home and funding his own expenses - so if that is your goal, you might be running very hard just to stand still. Freelancing is not a comfortable life, these days.
You said it yourself, setting a goal is a good motivator - but make sure it's the right one!
100k * 3.5 = 350k = not really that much on the housing market.
Secondly, your total permie package right now is roughly equivalent to what the average freelance PM gets, who is probably turning over £100k but working away from home and funding his own expenses - so if that is your goal, you might be running very hard just to stand still. Freelancing is not a comfortable life, these days.
You said it yourself, setting a goal is a good motivator - but make sure it's the right one!
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