What You Can Actually Afford to Risk

An honest audit of your money, time and real capacity

Careful people who never start usually share one gap: they have never worked out how much money they can genuinely afford to risk. This book is an honest audit of your money, time and real capacity. It explains the three numbers that matter before any property ones: your riskable capital, your genuine weekly time and your real capacity to absorb a loss. You will learn where to find reliable information on your own finances and your local market for free, how to work out your true monthly surplus honestly, including the effect of debt, and the full cost of beginning beyond the deposit. Your position is stress-tested against a bad month, a void and a rate rise, and against the emotional strain of things going wrong. A worked example follows one honest audit from start to finish, and the final chapter gives you a readiness scorecard and names the legal questions it cannot answer. Next in this series: “Protecting Yourself From Bad Advice”.

What’s inside

• The only numbers that actually matter
• Where to find reliable local data for free
• Working out true income, not optimistic income
• The full cost stack nobody mentions
• Stress-testing for the bad month, the void, the rate rise
• A complete worked example, start to finish
• Your readiness scorecard, and the legal questions it cannot answer

Educational material only, not financial, legal or tax advice. Results are not typical and are not a guarantee of income. Freedom Property Academy LTD, registered in England and Wales.