Total debt: £5,076. With £1,413/mo surplus you could clear all of it in ~4 months using the avalanche method. Interest is a guaranteed loss — clear it first.
Your debts — priority order
🔥
Credit Spring loan
~£600 · ~39% APR · Clear FIRST with all spare cash
1st
💸
Credit Spring monthly fee
£20/mo — automatically stops once loan clears
Stops
🏦
Overdraft — £997
Max £1,000 · Most banks charge ~40% EAR · Clear 2nd
2nd
💳
Credit Card 2 — £1,017
Smaller balance = quicker win. Boosts momentum.
3rd
💳
Credit Card 1 — £3,062
Largest debt. All freed cash goes here after others clear.
4th
📋
DWP repayment — £5/mo
Low interest — keep paying as scheduled
Ongoing
🚗
Car repayment — £50/mo × 3
Ends in ~3 months. Keep paying, don't accelerate.
Ends soon
Debt-free timeline
Total debt
£5,076
Monthly attack
£1,200+
Debt-free
~4 mo
Once debt-free, your £1,413 surplus becomes £1,413 of pure wealth-building every month. This is the turning point.
Payoff calculator
Total debt balance£5,076
Monthly payment£1,200
Average interest rate APR25%
Months to clear
5 mo
Interest paid
£320
Freed/mo after
£1,200
Avalanche vs snowball
🏆
Avalanche (recommended)
Highest APR first. Credit Spring → Overdraft → CC2 → CC1. Saves most in interest.
Best
❄️
Snowball
Smallest balance first for quick wins. CS → OD → CC2 → CC1. Same result here, slightly more interest.
Alt
Your rate: 20% of Net ACV per building. Min £200/building, max £1,000/building. Commission paid month after Double Lock (signed + live on platform).
Commission calculator — Moca Energy
Buildings onboarded this month5
Average ACV per building (£)£3,000
Commission per bldg
£600
20% of ACV
Monthly commission
£3,000
5 buildings
Annual commission
£36k
if consistent
Total earnings
£77.5k
base + comm
Progress to £100k target
77.5% of the way to £100k
What it takes to hit £100k
Commission needed on top of base
£100k − £41,500 = £58,500/yr
£58,500
Monthly commission needed
£58,500 ÷ 12 months
£4,875/mo
Buildings needed at avg £3k ACV
£4,875 ÷ £600 commission per building
~8/month
At higher ACV £6k avg
Commission £1,000 per building (capped)
~5/month
£100k is achievable in Year 1 or 2
Focus on high-ACV buildings. One large client = multiple buildings = stacked commission.
Commission rules — know these
✅
Double Lock trigger
Commission only paid when BOTH: (1) contract signed, AND (2) building live on Moca platform. Chase tech onboarding — it unlocks your money.
⏱️
90-day clawback risk
If a client leaves within 90 days of going live, commission is clawed back. Focus on clients who will stick — qualify properly.
💰
Discount rules
Discounts up to 15%: min £200 still applies. Over 15% needs Director approval and min £200 disappears. Protect your commission.
📅
Payment timing
Paid in month after Double Lock is triggered. Keep a pipeline tracker — know when each building goes live.
🚪
Notice period rule
Commission only paid on buildings that hit Double Lock before your last day of physical work. Protect deals near your pipeline end.
Progress to £100k
£71,500
71.5% of the way to £100k
Earnings simulator
Buildings/month5
Avg ACV per building (£)£3,000
Monthly side income£0
Base salary
£41,500
Annual commission
£36,000
Annual side income
£0
Estimated monthly take-home
£4,200
Career strategy — road to £100k
📍
Now — April 2026
Start strong. Learn the product deeply. Prioritise high-ACV buildings (offices, large residential blocks). Every building = £200–£1,000 commission.
📈
Month 3–6: Build pipeline velocity
Target 6–8 buildings/month. Focus on property managers with multiple sites — one relationship = many buildings.
💪
Month 6–12: Prove the numbers
Document revenue, buildings, and ACV with hard numbers. This is your CV for negotiation or a higher-OTE role.
🚀
Year 2: Negotiate or move
With track record: negotiate base uplift (target £48–55k). Or move to a company with higher OTE if Moca doesn't reward performance.
🏆
Year 3–5: £100k milestone
Senior BDM or Sales Manager at Moca, or enterprise sales at a larger prop-tech/energy company. £100k is entirely achievable in B2B energy/prop-tech.
Side income ideas — on top of Moca
🎯
Sales coaching / consulting
£50–150/hr, 4–8 hrs/wk via LinkedIn. Share your Moca journey.
£300–800
🔁
Matched betting (risk-free)
OddsMonkey/Profit Accumulator. ~£300–500 first month from sign-up offers.
£200–500
🤝
Referral income
InvestEngine, Freetrade, Moneybox — £25–100/signup. Post your finance journey.
£50–300
🚗
Amazon Flex / Uber Eats
Weekends. Fully flexible. £10–15/hr. Great for a 3-month debt sprint.
£200–600
Key terms from your Moca Energy contract and commission plan — know your rights.
Employment summary
Start date
1 April 2026
Role
Business Development Manager
Base salary
£41,500/yr
Hours
37.5 hrs/wk
Location
Spaces, Programme Bldg, Bristol BS1
Parking
Free parking provided ✓
Holiday
26 days + 8 bank holidays
Probation
3 months (ends July 2026)
Notice (after probation)
2 months either side
Pension auto-enrolment
After 3 months + employer NI saving contribution added on top
July 2026
Important contract clauses to know
📌
Commission is discretionary
The commission plan is non-contractual. Moca can change it. Get any changes in writing. Check your commission letter regularly.
🏃
6-month non-compete
Can't work for a competitor for 6 months after leaving. Plan any career moves accordingly.
📋
Clawback clause (salary)
Company can deduct overpaid salary, losses caused by you, or holiday taken in excess. Keep records of everything.
✅
No side work without permission
Clause 14.2(a)(vii): No other paid work without written permission. Keep side income low-profile — reselling / investing is fine.
🏠
Free parking in Bristol
Clause 6.5: Designated parking space at company expense. Worth ~£200/mo. Loses if office moves outside Bristol.
💊
Sick pay — limited
Only 10 days company sick pay per 12 months. No sick pay during probation. Build emergency fund to cover illness.
Salary review strategy
Your salary review is annual but not contractually guaranteed. You need to create the case for it. Here's how:
📊
Track everything with numbers
Buildings onboarded, ACV generated, revenue to Moca, client retention. You need these for review and your CV.
📅
Request review at 9 months (Jan 2027)
Don't wait for them to offer it. After 9 months with a track record, ask for a formal review.
💰
Benchmark vs market
BDM roles in prop-tech/energy tech pay £45–60k base + commission. Use this as leverage. LinkedIn Salary, Glassdoor.
🤝
Tie base to commission expectations
If you're consistently hitting £5k+/mo commission, a higher base is easier to justify as it de-risks you for future months.
Model exactly what you take home. Drag to £100k to see the personal allowance trap — and how pension contributions fix it.
UK income tax calculator (2025/26)
Gross annual salary + commission£41,500
Pension contribution/yr (pre-tax)£0
Student loan planPlan 2
Monthly net
£2,558
Annual net
£30,696
Effective rate
28.5%
Gross
£41,500
Breakdown
Personal allowance (0%)
£12,570
£0
Basic rate 20%
£16,430
−£3,286
Higher rate 40%
£0
£0
Additional rate 45%
£0
£0
National Insurance
Class 1
−£3,004
Student loan
Plan 2
−£2,049
Pension (pre-tax relief)
None set
£0
What £100k looks like after tax
Gross earnings
£100,000
Income tax
−£27,432
National Insurance
−£5,754
Student loan Plan 2
−£6,300
Monthly take-home
~£5,043
⚠️ At exactly £100k you lose personal allowance (£1 per £2 over £100k) creating ~60% effective tax. Pension contributions fix this.
Salary milestones
£41,500 (now)
~£2,558/mo
£50,000
~£3,111/mo
£65,000
~£3,746/mo
£80,000
~£4,421/mo
£100,000 (goal)
~£5,043/mo
Current net worth
−£5,076
Negative now — but clearing in ~4 months. Then it rockets.
Assets
£599
Liabilities
£5,676
Assets
🏦
Add your assets
Your LISA (£599), savings, investments, car resale value.
Liabilities
💳
Add your debts
Add your credit cards, overdraft and loans to track your real net worth.
🎯
No goals yet
Tap + New goal or use the suggested goals below.
Lydia's suggested goals
Clear ALL debt
£5,076 total · ~4 months at full attack
Emergency fund
£3,500 target · Marcus/Chase
LISA to max (£4,000/yr)
£333/mo = £1,000 free from gov
First home deposit
£20k target via LISA + savings
S&S ISA first £10k
InvestEngine — free to open
Portfolio £50k
Medium term investing target
FIRE number £750k
Financial independence
Tap day circles to mark habits done. Small daily actions compound into massive results.
This week
✅
No habits yet
Add daily financial habits to build consistency.
Lydia's suggested habits
Check bank balance daily
Log any Moca deal progressed
No unnecessary spending today
Pack lunch — skip £5–15 meal deal
Chase onboarding team re: pipeline
Review weekly spend vs budget
Log monthly. People who track save 20–30% more. Data stays on your device only.
Log this month
History
📅
No logs yet
Log your first month above.
Debt paydown chart
More
Settings
NameYour name
Monthly take-home (£)After all deductions
Income target (£/yr)Default £100,000
Road to debt-free — then £100k
April–July 2026 (Age 24)
Debt sprint — clear £5,076
Throw £1,200+/mo at debt. Credit Spring first, then overdraft, then CC2, then CC1. Also cancel Village Gym, Monzo Max. Car repayment ends. Commission starts arriving.
July–Sept 2026
Pension starts + emergency fund
Auto-enrolled in Moca pension. Confirm employer match %. Start building £3,500 emergency fund in Marcus/Chase. Max LISA at £333/mo.
Oct 2026 – March 2027 (Age 25)
Emergency fund complete. Start investing.
£3,500 in easy-access savings. Open S&S ISA (InvestEngine). Begin index fund investing. Commission pipeline maturing — expect £2–4k/mo. Document wins for first review.
April 2027 (12 months in)
First salary review — negotiate hard
With revenue data and track record: request £48–55k base. If Moca won't pay market rate, begin exploring SaaS/prop-tech BDM roles with higher OTEs.
Year 2–3 (Age 26–27)
£60–75k total earnings
Consistent 6–8 buildings/month = £36–60k commission. Portfolio £15–30k. LISA building toward first home. Net worth turning positive and climbing fast.
Year 3–5 (Age 28–29)
£100k milestone 🎉
Senior BDM, Head of Sales, or high-OTE role at larger company. Portfolio £50–80k. Net worth £100k+. The compound growth is doing the heavy lifting.
Data
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About
Version
5.0 — Lydia's Edition
Company
Moca Energy Ltd
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For guidance only — not financial advice. Consult a qualified adviser before making investment decisions.