2018 Goals

A quick reminder: I use ONS metrics for net worth related goals. I’ve kept the ONS definitions intact, except for property, which I don’t revalue.

Savings rate

Maintain a savings rate above 60%. Monthly savings rates don’t matter so long as the year to date average is at or above target.

Property wealth

Overpay mortgage by £20k.

Pension wealth

Use up all available pension allowance, and leave the asset class allocation alone. I mean it. Zero fiddling.

Financial wealth

  1. Use up all ISA allowance.
  2. Keep the Emergency Fund at £31k.


Pay no more than £25k income tax in 2017/2018 tax year.

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