2020 Goals

I use ONS metrics for net worth related goals[1] – why reinvent the wheel?

Savings rate

Maintain a savings rate above 50%. Monthly savings rates don’t matter so long as the year to date average is at or above target.

Property wealth

Reduce the mortgage by £45,000 or more.

Pension wealth

Use up all available pension allowance.

Financial wealth

Use up all ISA allowance.


Pay no more than £47,000 income tax in 2019 / 2020 tax year.



  1. Except for property, where I don’t take into account any revaluations, hence here and everywhere else in this blog property wealth = purchase price – outstanding mortgage balance.