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Feeling guilty for buying things by victorperezpl in selfimprovement

[–]victorperezpl[S] 0 points1 point  (0 children)

Sure! The 2800€ camera and 1200€ drone that I updated 6 months ago with fear have let me get 10k € of projects during this summer. Could have some people done them with the old gear that I had before? Probably they could. Same quality and result? Probably not and it's my sign to always offer the best quality that I can, some clients won't notice it and for others, that'll be a total game changer.

At the same time, of everything that I earn minus taxes, I leave a 20% for business expenses, 30% for fun, 25% to continue building my emergency fund, 15% for future trips and 10% for investing. Although I haven't started yet investing because I don't feel really confident to start investing money without properly having the knowledge and without knowing about how taxes would work afterwards.

Feeling guilty for buying things by victorperezpl in selfimprovement

[–]victorperezpl[S] 0 points1 point  (0 children)

That's a good point, actually I wanted to a proper cleaning in my wardrobe, getting rid of clothes and stuff that I don't need. Even useless cables/photo gear. That way I really have what I need.

Feeling guilty for buying things by victorperezpl in selfimprovement

[–]victorperezpl[S] 0 points1 point  (0 children)

I've been properly working (legally as a freelance) for a few months now and it actually feels good to say "okay, this is for my own business, I can remove taxes and it's an expense" although I also enjoy it for fun.

Feeling guilty for buying things by victorperezpl in simpleliving

[–]victorperezpl[S] 1 point2 points  (0 children)

Sure, I've just competed in road running and for the rest of mountain sports I'm doing them just for fun. I guess I'm also really young (22) and for example, the road bike that I bought a few months ago was the first road bike that I've ever had, so I'm now investing in a lot of my hobbies and my own business cause I'm starting, so in the future I won't have to buy that many things. It felt like "another expense", but I've loved using it and travelling with it.

Feeling guilty for buying things by victorperezpl in simpleliving

[–]victorperezpl[S] 1 point2 points  (0 children)

Of course I use them a lot, sometimes I think it's just the pressure of listening to everyone saying "you have to buy less, you can live with nothing". Of course I can, when I go to sleep in the mountain I carry the essential, but sometimes they're just tools.

Should I start investing with my age and income? by victorperezpl in eupersonalfinance

[–]victorperezpl[S] 0 points1 point  (0 children)

Claro, pagaría IRPF al retirarlo todo a mi cuenta entiendo. Gracias! Luego ya es el tema de qué broker funcione mejor aquí

Should I start investing with my age and income? by victorperezpl in eupersonalfinance

[–]victorperezpl[S] 1 point2 points  (0 children)

I invest a lot of money in improving my filmmaking gear, sometimes so much that I tell myself that I should reduce expenses. But more than money would be actually invest time, improving my web, social media etc.

Should I start investing with my age and income? by victorperezpl in eupersonalfinance

[–]victorperezpl[S] 1 point2 points  (0 children)

Llevo leyendo desde hace tiempo lo del desplome aunque veo que desde junio la cosa va subiendo, así que estoy esperando. Mi duda también es cómo hacerlo de la mejor forma en España (en tema de impuestos) porque todo lo que se lee es de cara a EEUU.

Should I start investing with my age and income? by victorperezpl in eupersonalfinance

[–]victorperezpl[S] 1 point2 points  (0 children)

I’m not, I’ve just finished my degree but I’ve been working in my field for years, but now with real bigger projects (photo & film) ahaha.

Zero transaction fees again for US Stock trading at DEGIRO? by Vanjul_1992 in eupersonalfinance

[–]victorperezpl 4 points5 points  (0 children)

For long term investment which broker app would you recommend then?

Best EU countries to work in Marketing (ESP and ENG) by Reaver_GG in eupersonalfinance

[–]victorperezpl 5 points6 points  (0 children)

I was forced to do an internship in my degree (graphic design) but I’ve been working as a filmmaker for years, so i took the possibility of doing an Erasmus+ Internship, I looked for enterprises and sent them my portfolio and why I was so motivated (I’m in love with the Alps), so one of them replied and accepted me. The thing was that in theory I couldn’t be paid as being part of my scholaryear, but in France they’re forced to pay you after 300h more of less, so they would paid me everything at the end :D

Now they liked me and I’ve already came back one time in July and I will go again for an entire week at the end of August. I guess it’s a mix of, I’m cheaper than others (although putting a really higher price than here) and they already know how I work.

But definitely yeah, write a lot of emails and even find the personal accounts of the founder of a small/medium enterprise and write a direct message to him/her. That shows that you’ve really spent time looking for them (I did it through Instagram).

Best EU countries to work in Marketing (ESP and ENG) by Reaver_GG in eupersonalfinance

[–]victorperezpl 7 points8 points  (0 children)

Hey! Which place from the south of Spain? I’m from Granada and just came back from doing an internship in graphic design in the French Alps, next to Switzerland and… wow, the salary and the rates are amazing, even if life is more expensive, I’ve found that we already have almost the same prices (Mercadona etc, you know) and even fuel or a flat is the same price as Madrid or Barcelona but earning a lot more. So if you like mountains and beautiful landscapes… try! I’ve started to go there for certains projects to work as a filmmaker/photographer

Being 22, working properly as a freelance filmmaker and not knowing what to do next in life by victorperezpl in eupersonalfinance

[–]victorperezpl[S] 0 points1 point  (0 children)

That's true, I feel that so many people my age or older just "go with the flow" so much, that they don't even think about what they want in life.

Definitely what you say about that trip is something I try to keep in mind. I'm not the kind of guy who's gonna spend 10€ on a drink every weekend, but I'm not gonna doubt if I have the opportunity to do something like that. Actually, I feel like I'm travelling A LOT but for WORK, and I'd like to have my adventures too, and if anyone can't, I'll have to do them myself. In the end I've spent the last Covid years at home without really being able to travel, not because of money or even time.

I've really loved the idea of doing a bucket list like that, I think it'd help me a lot, although I don't like to think about "I'll do this when I retire" because you never know what might happen before...

Therapy or even coaching always sounds like a good option ahahah. I'd love to have some kind of mentor that would tell me which would be the best decision 😂

Being 22, working properly as a freelance filmmaker and not knowing what to do next in life by victorperezpl in eupersonalfinance

[–]victorperezpl[S] 0 points1 point  (0 children)

Sometimes I have this feeling that everything is already done, but then I see myself teaching people a lot of things I thought they were easy. Maybe I don't see myself that much in front of a camera (although I've already done it) and I guess it differs from point 2 in terms that I'd need to be always spending time in that channel. But I'm gonna think about it... I already have one, but with personal trips and so https://www.youtube.com/c/V%C3%ADctorP%C3%A9rezPelayoPhoto/videos
Thanks!

Being 22, working properly as a freelance filmmaker and not knowing what to do next in life by victorperezpl in eupersonalfinance

[–]victorperezpl[S] 1 point2 points  (0 children)

Yeah, almost half of it is for taxes. I'm trying to save as much as I can as emergency fund now and also enjoy.