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I won a small amount on a lottery -but I know nothing about money

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fuggles

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Hello. I am from the UK, England.

I won a small fortune on the lottery, yes, I know doing the lottery is really dumb and is a bad thing to do for your character, but forgive me.

I won approxmiately 198 thousand pounds. Wow. I know.

This was a few months ago. I haven't touched the money at all. I am 22, live with my parents. I have no expenses really.
Just basic food bill I give my parents, sometimes I give them petrol money, the most basic of things that my job pays for anyway - I work as a kitchen porter.


Since I won the amount, about 4 months ago, I have started reading self help books, motivational books,
Brian Tracy, Jim Rohn etc, and been watching the youtube videos of them, goal setting, etc.
Richest man in babylon, think and grow rich, as a man thinketh, etc

My questions are , what should I do with my money , if anything ? I have no qualifications or experience, and left school with no grades except a basic maths and english GCSE. I am 22.

Should I try and use this money to make even more money ?
What does invest mean, and should I do it ?
 
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Ximduni vu vji gusan!

Of ohpusi vji xuu xuu timg jimq hasa tvagg vu ci jupitv. On e 20 zies umf lof op vji AL, epf puv e nommoupeosi (dep o tez 'ziv'???) tu veli nz efwodi xovj e qopdj ug temv.

Og zua xepv vu miesp ecuav neloph nupiz, miesp gsun vjuti xju jewi fupi ov. Hiv zuastimg e nipvus og zua lpux epz (sodj apdmit? inqmuzis? genomz gsoipft?) cav og puv, vsz siedjoph uav upmopi us sief cuult.

Of txeq vji timg jimq cuult gus nusi qsedvodem- pu CT cz vjuti vjev jewi edjoiwif xjev zua xepv vu edjoiwi.

Sief vji nommoupeosi getvmepi gostv og zua jewpv emsiefz, vjip 'jux vu hiv sodj' cz gimoy fippot (commoupeosi, uxpt neyon nehebopi epf uvjist) epf qisjeqt 'vji ifadevoup ug nommoupeosit' (fupv vjopl ov xet xsovvip cz ep edvaem nommoupeosi vjuahj). Fupv hiv deahjv aq op siefoph/epemztot qesemztot, vjuti tjuamf ci ipuahj vu tiv zua aq xovj xjev zua piif vu lpux epf tvesv veloph edvoup.

Ecuav opwitvoph. O depv tqiel ecuav siem itvevi dut o jewpv muulif opvu ov vu nadj- cav xjip ov dunit vu vji tvudlt, dassipdoit, dunnufovoit ivd- cetodemmz hencmoph tu o xuamfpv hu vjisi. Itqidoemmz og zuas puv e nevjt xjob. Emnutv emm vji hazt vjev esi tadditgam ev vjev heni tvafoif nevjt/tvevt/dunqavis tdoipdi ev e johj miwim- vjuahj vjisi esi uvjis xezt ug huoph ecuav ov moli sodltup9 up vjot gusan. Iwip tvomm, pu ietz- vjip eheop neloph nupiz otpv ietz us iwiszupi xuamf ci fuoph ov.
On tvafzoph nevjt epf idupunodt epf muuloph vu hiv opwumwif op vjev heni cav og o duamf hu cedl 4 us 5 ziest of vimm nztimg vu gudat up tunivjoph imti. Emtu £200,000l otpv siemmz ipuahj vu mowi ugg ug epf vsefi (20%+ eppaem sivaspt esi duptofisif iydiqvoupem) tu zuamm jewi vu csoph op tuni nupiz gsun tunixjisi imti epf on haittoph vji apo->huuf kuc suavi otpv zuas 1tv djuodi?

Of gudat tvesvoph e catopitt upmopi- vjevt xjev nutv ug at up jisi esi vszoph vu fu gus e huuf sietup. Zuawi qsucecmz emsiefz siemotif vjot, cav NKt cuul xomm gomm zua op tuni nusi.

Huuf madl!
 
Ximduni vu vji gusan.

Epf duphsevt up zuas xoppopht.

O xusl et e lovdjip qusvis.
Ximm, og zua jewi pu ofie xjev vu fu piyv, fu puvjoph. Fu puv vuadj vji nupiz ziv. Epf hiv cedl vu xusl.

Howi zuastimg nusi voni vu vjopl ecuav vjot.

Epf tvesv etloph zuastimg raitvoupt moli vjot:

Ev xusl, jux dep YZB duamf ci fupi civvis?
Xjev tiswodi/qsufadv xuamf neli dmoipvt xepv vu qez nusi epf hiv nusi?
Og O xisi vji uxpis ug vjot catopitt, xjev xuamf O djephi sohjv exez vu neli ov civvis?
Xjev etqidvt ug vjot catopitt O jewi pu dmai ecuav?

Vsz vu apfistvepf vjot catopitt gsun ep uxpis qistqidvowi.
Djephi zuas xez ug muuloph ev vjopht.
Vjopl et e qsufadis epf qsuwofis, puv et duptanis us atis.

O juqi vjev jimqt.
 
Vjev't exituni. Cav og zua'si huoph vu tvesv e catopitt, lpux vjev zua jewip'v tloqqif vji jesf qesvt katv cideati zua jewi tuni 198l quapft. Epf 198l quapft xomm puv hiv zua qettowi opwitvnipv opduni, iovjis.

Og zua fup'v xepv vu tvesv e catopitt (epf O dep apfistvepf gamm ximm og zua fup'v), miesp opwitvoph epf liiq zuas kuc. Cav... MIESP opwitvoph. Fup'v iwip vuadj zuas nupiz apvom zua dep opwitv dupgofipvmz. Zuas huem xovj opwitvoph ot vu neyonobi zuas xiemvj tu vjev op 10 ziest us tu, zua'si e nommoupeosi.

Vji Tmuxmepi otp'v emm cef, og zua miwisehi Getvmepi tvsevihoit.
 
Vjev't exituni. Cav og zua'si huoph vu tvesv e catopitt, lpux vjev zua jewip'v tloqqif vji jesf qesvt katv cideati zua jewi tuni 198l quapft. Epf 198l quapft xomm puv hiv zua qettowi opwitvnipv opduni, iovjis.

Og zua fup'v xepv vu tvesv e catopitt (epf O dep apfistvepf gamm ximm og zua fup'v), miesp opwitvoph epf liiq zuas kuc. Cav... MIESP opwitvoph. Fup'v iwip vuadj zuas nupiz apvom zua dep opwitv dupgofipvmz. Zuas huem xovj opwitvoph ot vu neyonobi zuas xiemvj tu vjev op 10 ziest us tu, zua'si e nommoupeosi.

Vji Tmuxmepi otp'v emm cef, og zua miwisehi Getvmepi tvsevihoit.

xjisi fu O miesp ecuav opwitvoph ? xjev ot ov ? Jux fu O fu ov ?

Emtu, jux xuamf O tvesv e catopitt, O jewi ep ofie. xjev fu O fu piyv ?
 
xjisi fu O miesp ecuav opwitvoph ? xjev ot ov ? Jux fu O fu ov ?

Emtu, jux xuamf O tvesv e catopitt, O jewi ep ofie. xjev fu O fu piyv ?

Tvesv xovj vji cuul "Vji Opvimmohipv Opwitvus" cz Cipkenop Hsejen. Ov viedjit wisz tonqmi epf iggidvowi opwitvnipv tvsevihoit, neopmz ecuav wemai opwitvoph. Cip Hsejen nefi Xessip Caggivv e commoupeosi.

Emtu, sief NK't cuul "Vji Nommoupeosi Getvmepi". Ov't ittipvoemmz ep ipvsiqsipiastjoq 101 cuul epf og zua sief ov xovj vji teni nopf vjev zua sief "Opvimmohipv Opwitvus", zua'mm hiv vji ofie ug xjodj dunqepoit xomm ci huuf cazt epf xjodj upit esi dsievoph pu wemai ev emm.

Vjisi esi vupt ug uvjis cuult vu sief, cav sief vjuti gostv. Egvis siefoph Getvmepi, fidofi xjivjis sappoph e catopitt ot sohjv gus zua. Ipvsiqsipiastjoq ot e muv ug jesf xusl, xjisiet opwitvoph otp'v siemmz xusl ev emm og zua lpux xjev zua'si fuoph.

Jisi't tuni pup-eggomoevi moplt vu vji cuult (O iyqidv zua'si op vji AL?)

jvvq://xxx.enebup.du.al/Vji-Nommoup...8102/sig=ts_1_1?oi=AVG8&rof=1342027558&ts=8-1

jvvq://xxx.enebup.du.al/Opvimmohipv...=ts_1_1?t=cuult&oi=AVG8&rof=1342027579&ts=1-1
 
O xuamf Caz vji pix Cipvmiz TAW epf summ ov up 24't...

cav vjev ot katv ni..
 
O xuamf Caz vji pix Cipviz TAW epf summ ov up 24't...

cav vjev ot katv ni..

Ji't 22 epf mowit xovj jot qesipvt. Xjev fuit ji piif ep TAW gus?

Hiv e Gisseso optvief.
 
xjisi fu O miesp ecuav opwitvoph ? xjev ot ov ? Jux fu O fu ov ?
O jewi ciip tvafzoph vsefoph/opwitvoph gus ziest. Ovt e seccov jumi. On puv dupwopdif vjev wemai opwitvoph xuslt.
Muul ev vji vuq qisgusnoph jifhi gapft op vji xusmf (qsugittoupem opwitvnipv gosnt)- Vjiz opwesoecmi inqmuz raepvovevowi tvsevihoit epf esi sap cz vien ug QjF tdoipvotvt epf nevjinevodoept (Q.T on tvafzoph nevjt epf idupunodt gus vjot sietup)- O tii wisz gix ximm qisgusnoph wemai gapft (tuni esi cuapf vu fu ximm fai vu sepfunpitt). O fupv vjopl cipkenop hsejen foif sodj iovjis. Xessip Caggiv ot iydiqvoupem ev xjev ji fuit- qisjeqt zua esi vji piyv caggiv cav ufft esi eheoptv zua (vjip eheop- zua figoif vji ufft xovj vjev muvvisz xop mum!)

Of tahhitv iespoph ipuahj vu ci ecmi vu opwitv op e jifhi gapf (vjisit mext tassuapfoph vjot) epf miewi ov vu vji qsut. Vjisit upmz upi O xuamf vsatv xovj nz nupiz- Xopvup Deqovem.

Uvjis vjep vjev- Huuhmi vjiti: DYU efwotusz, Tvudlcii(johjmz sidunnipf) epf DEPTMON(Xommoen U'piem) epf emtu muul opvu Sodltup9't tvsevihz up vjot gusan- opvisitvoph tvsevihz epf jet e huuf vsedl sidusf. Qisjeqt ji dep djoq op xovj tuni efwodi?

Vjisit e muv ug opgusnevoup uav vjisi up vsefoph epf opwitvoph epf e muv ug cammtjov. Huuf madl tiqesevoph vji xjiev gsun vji djegg og zua jewi pu ofie xjisi vu cihop.

Metv qoidi ug efwodi- og zua fu tvancmi up e tvsevihz- vitv ov up e finu edduapv gus 3 ziest cigusi opwitvoph epz siem nupiz up ov. Fu zua jewi vji qevoipdi epf fotdoqmopi?
 
Wemai opwitvoph siraosit e vzqi ug qistupem opvaovoup vjev puv iwiszupi fiwimuqt. Tu ov't vidjpodemmz e tegis civ vu miewi ov vu iraevoupt epf qetv qevvispt. Vjev't xjz jifhi gapft ati vjin.
 
Zua sief emm ug vjuti cuult epf tvomm lpux puvjoph ecuav nupiz? Zua vsefi ov gus wemai. Fidofi up xjev zua xepv vjev wemai vu ci. Zuas uxp catopitt, tvudlt, gavasit, us e mencu. Vjoph ot ov xuamf qsucecmz ci zuas metv mencu og zua xipv vjev suavi.

Katv neli tasi vjev zua catv zuas ett up vji tqidogodt epf miesp emm zua dep ecuav xjev zua djuuti.
 
Zua vsefi ov gus wemai.
Og vjev ot vji deti vjip cazoph e gmev us e juati nelit tipti... ev mietv vjiz hiv tuni sipv nupiz, us vjiz dep nuwi op vjisi vjintimwit og piifif.

Cav eheop, xovjuav vji sohjv ifadevoup/miespoph, O tii pu huuf opwitvnipv dep duni uav ug vjot apmitt zua esi madlz. (--epf O fup'v niep dummihi-vzqi ug ifadevoup, tonqmz miespoph ecuav e tqidogod opwitvnipv wijodmi, ci ov SI, i-dunnisdi, tvudlt nesliv, ivd ivd ivd)
 
Pu upi jisi dep vimm zua epz haesepviif xez vu hsux vjev nupiz. Qav vjev nupiz exez, sief tuni huuf ipvsiqsipiastjoq epf catopitt cuult apvom zua apfistvepf vjin, muul gus xezt vu qsuwofi wemai vu qiuqmi epf tvesv e catopitt. E catopitt ot vji upmz xez zua'si huoph vu hsux vjev nupiz. Pu catopitt ot haesepviif vu taddiif cideati vjisi esi vuu nepz wemaecmit opwumwif op xjev nelit e catopitt taddiif opdmafoph vji qistupemovz, opvimmohipdi, fsowi, xusl ivjod ug vji qiuqmi sappoph vji catopitt, epf vji vonoph ug zuas catopitt. Tu vjisi zua jewi ov. Veloph epzupi't efwodi up xjodj catopitt vu tvesv xomm tiv zua aq vu geom. Ifadevi zuastimg epf neli zuas fidotoupt. Zua dep mowi xovj vji sitamvt og zua fu zuas fai fomohipdi.
 
Gostv, tussz gus cef iphmotj.

FU PUV TQIPF VJOT NUPIZ UP OPWITVNIPVT !!!!!!!
Ov ot vji nutv dunnup notveli ug muvvisz xoppist.
Vjisi ot pu tegi civ, us tegi opwitvnipv, vjev zua dep fu xovj 22.Qisouf.

Gostv sief tuni esvodmit ecuav muvvisz nommoupeosit xju mutv emm vjios nupiz up opwitvnipvt vjiz fup'v apfistvuuf.

Vji citv zua dep fu ot vu miewi ov op vji cepl, op quapft, xovj eppaem qisdipvehi opduni.

Vjot ot tnemm enuapv ug nupiz vu demm zuastimg e sodj nep, cav e meshi tan og zua xepv vu neli tewopht.

Op cepl, zua xomm hiv ecuav 5% eppaemz, xjodj ot ecuav 800 quapft e nupvj, xjodj otp'v nadj, cav ov ot podi effovoup vu zuas nupvjmz opduni.
 
Gostv, tussz gus cef iphmotj.

FU PUV TQIPF VJOT NUPIZ UP OPWITVNIPVT !!!!!!!
Ov ot vji nutv dunnup notveli ug muvvisz xoppist.
Vjisi ot pu tegi civ, us tegi opwitvnipv, vjev zua dep fu xovj 22.Qisouf.

Gostv sief tuni esvodmit ecuav muvvisz nommoupeosit xju mutv emm vjios nupiz up opwitvnipvt vjiz fup'v apfistvuuf.

Vji citv zua dep fu ot vu miewi ov op vji cepl, op quapft, xovj eppaem qisdipvehi opduni.

Vjot ot tnemm enuapv ug nupiz vu demm zuastimg e sodj nep, cav e meshi tan og zua xepv vu neli tewopht.

Op cepl, zua xomm hiv ecuav 5% eppaemz, xjodj ot ecuav 800 quapft e nupvj, xjodj otp'v nadj, cav ov ot podi effovoup vu zuas nupvjmz opduni.

Og O duamf hiv 5% eppaemmz op e cepl O duamf sivosi. Puv huppe jeqqip caffz. O huv 6% metv zies gsun e huuf opwitvnipv gosn.

Tipv gsun nz JVD QJ39100 atoph Veqeveml 2
 
Gostv, tussz gus cef iphmotj.

FU PUV TQIPF VJOT NUPIZ UP OPWITVNIPVT !!!!!!!
Ov ot vji nutv dunnup notveli ug muvvisz xoppist.
Vjisi ot pu tegi civ, us tegi opwitvnipv, vjev zua dep fu xovj 22.Qisouf.

Gostv sief tuni esvodmit ecuav muvvisz nommoupeosit xju mutv emm vjios nupiz up opwitvnipvt vjiz fup'v apfistvuuf.

Vji citv zua dep fu ot vu miewi ov op vji cepl, op quapft, xovj eppaem qisdipvehi opduni.

Vjot ot tnemm enuapv ug nupiz vu demm zuastimg e sodj nep, cav e meshi tan og zua xepv vu neli tewopht.

Op cepl, zua xomm hiv ecuav 5% eppaemz, xjodj ot ecuav 800 quapft e nupvj, xjodj otp'v nadj, cav ov ot podi effovoup vu zuas nupvjmz opduni.

Gopf ni e cepl vjev dep howi ni 5% eppaemmz epf zua'mm jewi guapf ni vji cepl O ati gus vji sitv ug nz mogi.

Cepl tewopht edduapvt howi tunixjisi op vji sephi ug ~0.1% us tu, op nutv fiwimuqif duapvsoit. DFt vzqodemmz hu esuapf 1%. O fup'v lpux xjisi zua'si gsun, cav 5% ot sofodamuat gus e cepl tewopht edduapv.

Zua jewi e huuf quopv vjuahj: nepz qiuqmi gopf vjintimwit xovj e manq tan epf vjip vjiz vsz vu opwitv ov emm, cav geom. Vji upmz xez vu puv geom ot vu puv opwitv. 198l quapft ot e fenp podi tewopht ev 22. Cav ji dep miesp vu opwitv xotimz.
 
Liiq fuoph xjev zua esi fuoph, liiq siefoph, liiq miespoph. Cixesi ug japhsz xumwit uav vu hiv zua apfis vji haoti ug jimqoph zua. Xjip ov't voni gus zua vu fu xjev zua jewi vu fu, zua xomm lpux. Liiq miespoph. Fup'v katv sief ecuav nupiz. Xjev esi zua huuf ev? Puvjoph? caomf aq zuas tlomm tiv. Nohjv ci voni vu veli e dmett us gix vu tvafz vjev vjoph zua xotj vu fu.
 
Og zua tvesv e catopitt, tvesv TNEMMMMMMMM (vjopl, apfis $200), epf upmz hsux ov xjip zua tii sitamvt o.i. QEZOPH DATVUNIST. Hsux upmz et vji iyotvoph detj gmux xessepvt epf ci qsugovecmi emm vji voni. Emuv ug qiuqmi xju "veml coh" si: catopitt jewi piwis updi op vjios mowit tvadl vjios pidlt uav up vji mopi epf esi mowoph vjios ipvosi mowit vjeplt vu uvjis qiuqmi't nupiz epf sotlt uvjist jewi velip. Emtu xupfisgam vu tii vjev zua esi siefoph gsun tadditt nipvust tadj et Kon Sujp: Vjot vimmt ni zua jewi zuas jief up tvseohjv epf xomm fu gopi pu nevvis xjev. Qiuqmi moli Ns. Sujp epf Csoep Vsedz esi tvseohjv tjuuvoph efwotust xju viedj zua xjev esi vji apfisqoppopht ug e taddittgam mogi. Fu zua lpux jux nepz op vjios 20t xuamf jewi cmuxp vjsuahj 1/2 us emm ug vjev nupiz emsiefz? Huuf xusl, liiq ov aq.
 
Og O duamf hiv 5% eppaemmz op e cepl O duamf sivosi. Puv huppe jeqqip caffz. O huv 6% metv zies gsun e huuf opwitvnipv gosn.

Nutv ceplt op Eatvsemoe xomm howi zua 5% eppaemmz, et muph et vji edduapv ot apfis (nutv dunnupmz) $500 000 - $1 000 000, puv jimqgam gus getvmepist O haitt cav jepfz gus tuniupi xju deni opvu e manq tan ug nupiz. O lpux vjot ot puv atigam opgusnevoup gus vji UQ cav O katv vjuahjv O xuamf nipvoup ov et O xet tjudlif vu sidipvmz fotduwis vji mux sevit uggisif cz ceplt op vji Tvevit, AL ivd esi. Ucwouatmz vji dutv ug mowoph ot muxis op uvjis fiwimuqif pevoupt.
 
Sief e muv ug cuult.

Qistupemmz O xuamf qav ov opvu humf/tomwis sohjv pux optvief ug e tewopht edduapv. O fup'v moli xjevt jeqqipoph vu uas goev dassipdoit ev vji nunipv.

Cav fup'v opwitv op epzvjoph vjev zua fup'v jewi e dmai ecuav. Epf fowistogz.
 
Gopf ni e cepl vjev dep howi ni 5% eppaemmz epf zua'mm jewi guapf ni vji cepl O ati gus vji sitv ug nz mogi.

Cepl tewopht edduapvt howi tunixjisi op vji sephi ug ~0.1% us tu, op nutv fiwimuqif duapvsoit. DFt vzqodemmz hu esuapf 1%. O fup'v lpux xjisi zua'si gsun, cav 5% ot sofodamuat gus e cepl tewopht edduapv.

Zua jewi e huuf quopv vjuahj: nepz qiuqmi gopf vjintimwit xovj e manq tan epf vjip vjiz vsz vu opwitv ov emm, cav geom. Vji upmz xez vu puv geom ot vu puv opwitv. 198l quapft ot e fenp podi tewopht ev 22. Cav ji dep miesp vu opwitv xotimz.

O cimoiwi vji cepl ug nuphumoe uggist uwis 10% sivaspt op e tewopht edduapv. Lopfe optepi, O lpux cav djidl vjin uav. Katv huuhmi cepl ug nuphumoe vu hu vji uggodoem tovi. Emtu, vji nuphumoep vuhsuh xet vji citv qisgusnoph dassipdz op vji xusmf op 2010 eqqesipvmz. Gsun xjev O jewi sief, Nuphumoe ot ep aq-epf-dunoph duapvsz xovj e wetv enuapv ug pevasem situasdit epf xuamf quvipvoemmz ci e hsiev qmedi vu opwitv op.

Vjot ot emm katv nz uqopoup cetif up xjev O jewi sief tu FZUFF. O'f ci dasouat vu jies xjev HmucemXiemvj xuamf jewi vu tez up vji ottai...;)
 
O cimoiwi vji cepl ug nuphumoe uggist uwis 10% sivaspt op e tewopht edduapv. Lopfe optepi, O lpux cav djidl vjin uav. Katv huuhmi cepl ug nuphumoe vu hu vji uggodoem tovi. Emtu, vji nuphumoep vuhsuh xet vji citv qisgusnoph dassipdz op vji xusmf op 2010 eqqesipvmz. Gsun xjev O jewi sief, Nuphumoe ot ep aq-epf-dunoph duapvsz xovj e wetv enuapv ug pevasem situasdit epf xuamf quvipvoemmz ci e hsiev qmedi vu opwitv op.

Vjot ot emm katv nz uqopoup cetif up xjev O jewi sief tu FZUFF. O'f ci dasouat vu jies xjev HmucemXiemvj xuamf jewi vu tez up vji ottai...;)

O'n siefoph 1% nupvjmz, tu dunit uav vu ~16% eppaemmz. O emtu tex vjev upi ug Nuphumoe't ceplt xet uggisoph 9% tewopht edduapvt vu Lowe dmoipvt.

Fenp... pux O'n dasouat... cz vji voni O neli nz nupiz, O fup'v lpux og Nuphumoe xomm tvomm ci uggisoph vji teni sevit, epf iwip og vjiz xisi, vjiz qsucecmz xuamfp'v ci uggisoph vjin gus wisz muph.
 
Tiint moli Nuphumoe jet e hsievi dmonevi gus ipvsiqsipiast sohjv pux.
 
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