Stocktake: Q1 2019

Welcome to Year 4 of my quest for financial independence.

What’s new?

The featured image above was going to be my reaction to the Brexit day, which has now been deferred, but given how that gods forsaken process has been going so far, I believe the visual is still appropriate.

I’ve changed jobs. Some said I was crazy to resign a few months before the Brexit Day (ROFL), but it could not wait. I might explain in a different post someday, or maybe not. Probably not.

Anyway. Let’s see how I’m tracking against my 2019 goals so far.

Savings rate: 50%

The actual year to date average is 69%. Pass.

Property wealth: reduce the mortgage by £45k

This one is a stretch goal. We’ll see.

Pension wealth: use up all available allowance

Done.

Financial wealth: Emergency Fund & Freedom Fund

The Emergency Fund is at the level where I want it to be.

I have the money set aside to deposit into the ISA, but haven’t done it yet. Because: those fuckwits Hargreaves Lansdown. I’m currently having a bit of a dispute with them with regards to a matter that relates to their complete and utter incompetence. I haven’t decided whether to accept their offer for resolving the complaint or to wait for the ombudsman.

Tax: pay no more than £47k of income tax in 2017/18 tax year

Done.

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