Stocktake: Q4 2018

No “New Year / New Me” here. I’ll be the same honest asshole at 12:01 that I was at 11:59.

Happy New Year, folks. Albeit if the old year was in any way different from the new, would we still require a massive piss-up to mark the occasion?

What’s new?

Virtually everything, or at least that’s what it feels like. The times they are a-changin’. It’s mostly personal, but also work, albeit that is also kinda personal, in a way.

I’ve provisionally consented to live in sin with my other half. Meaning: Ho’s Keep is going to go on the rentals market shortly. So technically, Ho&Co are going into the BTL, at what appears to be a rather bad time for that sort of thing. But anyway… move over, Fergus and Judith.

Savings rate: 60%

The actual year to date average is 62%. Pass.


I managed to pull my shit together in November and undo some of the damage I had inflicted on my finances in summer.

Property wealth: overpay mortgage by £20k

Didn’t happen. Barely managed £8.4k, so it’s a fail, I’m afraid.

Pension wealth: use up all available allowance

Done. The total wealth distribution is coming closer to where I want to be, albeit my Freedom Fund requires some work. Evidently.


Progress towards The Day is nothing to write home about (and hence the writing is relegated to the blogosphere 😉 ).


Total net worth is up (good)…


… in spite of the fookin’ markets, which have taken a bite out of my savings (bad). Check this out:4q18-saving-hard.png

Ya, ya, I know, cheap shares, a buying opportunity, ya seen nothing yet young’un. I know. I’ve been waiting for this. And yet, it fookin’ hurts’ ok? I’ve been saving and hoping, and it’s fucked up, and I don’t like it.

I do like cheap shares, though 😉 .

Financial wealth: Emergency Fund & Freedom Fund

The goal was to top up the Emergency Fund, which I have finally managed to achieve. 😀 It’s a pass, people, it’s a fookin’ pass!

Continue with regular savings into the S&S ISA. Pass.

Tax: pay no more than £25k of income tax in 2017/18 tax year

A complete and utter fail.

5 thoughts on “Stocktake: Q4 2018”

  1. > I’ve provisionally consented to live in sin with my other half.

    Congratulations – I’ll drink to that – cheers!

    Saving hard is what does it, IMO. The job of the magic of compounding is to slow the disappearance of your stash down the plughole once you start drawing it down. CI benefits from big numbers to work with 😉

    Liked by 1 person

    1. Thanks for the pep talk 🙂 I appreciate it. The markets have helped you, in the scheme of things, albeit not in this past year, so I figure they might give me a bit of a boost … in due course 😉
      Btw, I’d drink to that too, but I can’t. Because: dry January. I know. I never thought I’d ever do a dry, well, any month of the year, but what the hell. We’re doing it as a couple 😳


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