I will say this Maddie.
Saving up for a bill as huge as the one you need to meet isn't going to be done with nickels and dimes. It's a matter of planning and investment.
But to achieve your goals, you need a long term plan.
When I was at school, I recall learning about the various levels of economy, from global, state, local, community, domestic. There were also company economies of course and others, but you get the idea.
Domestic economy is what concerns us here. There are various levels, depend upon your social position. In N America, social psoition tends to depend upon personal wealth, while here it's more a matter of behaviour and connections, but the principal remains the same.
This is a rather simplistic approach.
One of the most and easiest ways to secure wealth is property. For that, you need a mortguage. For that, you need a decent, regular job.
So, you train for a decent job. You get a decent job. You get the mortgage, you buy the property. You throw all your available funds into paying off the mortgage as quickly as possible. You have an asset. But more importantly, you have a decent credit rating.
You can then use the asset and your decent credit rating to negotiate a loan at a decent rate of interest. But it's unlikely you will get a loan for SRS at a decent rate. So you need to use it to buy another asset.
An asset is something that appreciates in value. Property tends to be the best form and now, with property prices falling, this is the time to buy.
Once you have your second asset, you can sell it, get your funds and your SRS. But you still need to pay off the second loan of course.
I'm sorry, there is no quick way. It's a matter of hard work and a lot of thinking. I managed to get my primary asset, my house, after about 13 years. I could have done it quicker, possibly 9 years. It is currently worth about 5 or 6 times what I paid for it.
You could also go for a corporate plan, building a business and selling that. But that requires a number of interpersonal skills. Sadly, as a consumate loner, I simply don't have those. It should also be pointed out that, while the corporate approach is quicker, there is more risk. The trick is to find the right product. Generally a support product, rather than an end user. You need to start markting at th right time, usually when the economy is begining to grow. Then sell when the economy is begining to fall.
But never retail. Retail is too fickle. Only an idiot goes into retail. It just looks easy because it's what most people see.
Also, be very careful of transport. Too many thugs.
If you can, small manufacturing of specialist components is the best.
That will give you something to think about while you have a wander. Good luck.
