Some personal details about me.
Sex: Male
Personality Type: INTP
Status: Married
Children: Two (a newborn and a 2 year old)
Location: Northern England
Favourite journals: bigato, akratic, C40
My personal circumstances.
Salary: Don't want to reveal the number, but mine is decent (with slight monthly variation) for the area I live in, my wife's is low as she only worked part-time
Housing: Own a house that is worth £60k, mortgage outstanding is £42k
Other debt: Student loan of £4.2k
Savings: £5k in a savings account
Pension: Current value is about £32k
On paper, I suppose that things look alright, no major debt and net assets worth about £50k. However, I still feel poor and basically live from month to month (that £5k of savings has practically went nowhere in the last 2 years). I am not quite sure how I spend so much money - I think my biggest problem is my food shopping bill (maybe £100 a week), eating out (£20-£50 a week), buying gadgets (for Christmas I spent about £1k on a home cinema). That last one makes me cringe just writing about it.
Aims.
- Become financially independent. I tolerate my current job, but would jump at the chance to be able to take a more personally rewarding job even at a lower salary. This goal is obviously very hard.
- Become mortgage free. I am not sure if the house I am currently in is the one I wish to remain in for life, but one big aim for me is to pay the mortgage off. This goal could maybe be achived in 5 years.
- Learn some skills or develop interests that lie outside of my job. Outside of accounting, I am generally ignorant (although I do read a lot of fiction)