2025 is coming to an end, and in the previous post I already did a summary, so in this one I want to set myself a goal for the end of 2026.
As I mentioned before, my ISA is currently at around £13,000, so I expect it to grow by about 10%, which is roughly £1,300.
On top of that, I invest £300 per month, and from October I plan to increase this to £350, which gives:
10 × £300 + 2 × £350 = £3,700
Additionally, I’ll be investing as much “pocket money” as possible. I assume £25 per week, so:
52 × £25 = £1,300
Let’s add it all up:
£13,000 + £1,300 + £3,700 + £1,300 = £19,300!!!
Almost £20,000!
I think that if I tighten my belt a bit, £20,000 by the end of the year is totally achievable. Especially since we have some budgeted expenses that don’t always happen — and when they don’t, that money can easily go straight into investments.
When it comes to my workplace pension, the situation looks like this: every week, apart from my voluntary contribution, the company I work for also adds their part. Altogether, including tax relief, it comes to around £200 per week.
So:
52 × £200 = £10,400
Currently, the pension pot stands at £52,180.
Adding 7% growth, after one year it should be around £55,830.
That gives a total of:
£66,230
Combined ISA + workplace pension by the end of 2026 should be roughly:
£86,230
Wise books say that you should set goals higher than what you believe you can achieve —so my goal for the end of 2026 is:
👉 £100,000
Finally, I wish all of you all the best in planning your own journey to financial independence.Whether you’re just starting out or already well on your way, stay consistent, stay patient, and keep moving forward — your future self will thank you.
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