2020
Re: 2020
Bit bored, decided to create a lockdown budget for April.
House
125 Council tax
70 Elec/Gas
23 Phone/Internet
22 Water
15 Boiler
13 Insurance
12 Netflix
Me
100 Food
27 Online books/video training subscription
12 Mobile
267 Loan
Car
0 Insurance (paid)
0 Fuel (full tank)
0 Maintenance (not expecting anything)
Budget = exactly £700.
House
125 Council tax
70 Elec/Gas
23 Phone/Internet
22 Water
15 Boiler
13 Insurance
12 Netflix
Me
100 Food
27 Online books/video training subscription
12 Mobile
267 Loan
Car
0 Insurance (paid)
0 Fuel (full tank)
0 Maintenance (not expecting anything)
Budget = exactly £700.
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- Posts: 5404
- Joined: Wed Jul 28, 2010 3:28 am
- Location: Wettest corner of Orygun
Re: 2020
How did April's budget go? (real/estimated)
House
(126/125) Council tax
(56/70) Elec/Gas
(23/23) Phone/Internet
(21/22) Water
(25/15) Boiler
(13/13) Insurance
(12/12) Netflix
Me
(130/100) Food
(26/27) Online books/video training subscription
(12/12) Mobile
(267/267) Loan
(15/0) Charity
(87/0) Booze
(12/0) Garden
(18/0) Medicine
Car
(0/0) Insurance (paid)
(0/0) Fuel (full tank)
(0/0) Maintenance (not expecting anything)
Spent = £843 from budget of £700.
House
(126/125) Council tax
(56/70) Elec/Gas
(23/23) Phone/Internet
(21/22) Water
(25/15) Boiler
(13/13) Insurance
(12/12) Netflix
Me
(130/100) Food
(26/27) Online books/video training subscription
(12/12) Mobile
(267/267) Loan
(15/0) Charity
(87/0) Booze
(12/0) Garden
(18/0) Medicine
Car
(0/0) Insurance (paid)
(0/0) Fuel (full tank)
(0/0) Maintenance (not expecting anything)
Spent = £843 from budget of £700.
Re: 2020
House
(?/125) Council tax
(?/70) Elec/Gas
(?/23) Phone/Internet
(?/22) Water
(?/15) Boiler
(?/13) Insurance
(?/12) Netflix
Me
(?/100) Food
(?/27) Online books/video training subscription
(?/12) Mobile
(?/267) Loan
(?/15) Charity
(?/40) Booze
(?/0) Garden
(?/0) Medicine
Car
(?/0) Insurance (paid)
(?/0) Fuel (full tank)
(?/0) Maintenance (not expecting anything)
Budget = £741
(?/125) Council tax
(?/70) Elec/Gas
(?/23) Phone/Internet
(?/22) Water
(?/15) Boiler
(?/13) Insurance
(?/12) Netflix
Me
(?/100) Food
(?/27) Online books/video training subscription
(?/12) Mobile
(?/267) Loan
(?/15) Charity
(?/40) Booze
(?/0) Garden
(?/0) Medicine
Car
(?/0) Insurance (paid)
(?/0) Fuel (full tank)
(?/0) Maintenance (not expecting anything)
Budget = £741
Re: 2020
Well, I've been in lockdown and not working for about 50 days. The main thing I've been able to do is starting mountain biking again and getting some fitness back and do some gardening. Finances have actually recovered during this time of economic inactivity due to the market bounce back and few opportunities to spend money.
Re: 2020
Three monthis into retirement and spending has been less than investment growth so net worth has increased.
Note that the house has been revalued by Zoopla.
a) £41671
b) £79572
c) £25131
d) £89544
Pensions total = £235918
Savings/stuff £37410
House £100000 (+2000)
House Mort £-35000
Car £7200
Todays total is £345528 ( up £21151 on the retirement amount £324377 )
86.4% of target
Note that the house has been revalued by Zoopla.
a) £41671
b) £79572
c) £25131
d) £89544
Pensions total = £235918
Savings/stuff £37410
House £100000 (+2000)
House Mort £-35000
Car £7200
Todays total is £345528 ( up £21151 on the retirement amount £324377 )
86.4% of target
Re: 2020
Markets drop again, dead cat bounce?
a) £41671
b) £79054
c) £25143
d) £88855
Pensions total = £234723 (-1804)
Savings/stuff £36549 (-249)
House £100000
House Mort £-34685
Car £7100
Todays total is £343687 ( -2053 )
85.9% of target
a) £41671
b) £79054
c) £25143
d) £88855
Pensions total = £234723 (-1804)
Savings/stuff £36549 (-249)
House £100000
House Mort £-34685
Car £7100
Todays total is £343687 ( -2053 )
85.9% of target
Re: 2020
End of June monthly numbers.
a) £41671 (same)
b) £81449 (+1877 growth)
c) £25721 (+590 growth)
d) £91642 (+2098 growth)
Pensions total = £240483 (+4565 growth)
Investments £24554
Savings/stuff £12297
House £100000 (same)
House Mort £-34585 (+316)
Car £7100 (-100)
Todays total is £349724 ( +4221 on the month)
a) £41671 (same)
b) £81449 (+1877 growth)
c) £25721 (+590 growth)
d) £91642 (+2098 growth)
Pensions total = £240483 (+4565 growth)
Investments £24554
Savings/stuff £12297
House £100000 (same)
House Mort £-34585 (+316)
Car £7100 (-100)
Todays total is £349724 ( +4221 on the month)
Re: 2020
The figures for June are derived from these inputs/outputs.
Inputs
Investment growth £5052
Rent a room £280
Total Incoming = £5332
Outputs
Shopping/Spent £-918
Mortgage Interest £-47
Car Depreciation £-100
Car Depreciation £-50
Total Outgoing = £-1111
Inputs
Investment growth £5052
Rent a room £280
Total Incoming = £5332
Outputs
Shopping/Spent £-918
Mortgage Interest £-47
Car Depreciation £-100
Car Depreciation £-50
Total Outgoing = £-1111
Re: 2020
With regard to things other than the numbers, I've been not working for 3 months now but during that time the pandemic has restricted travel to only the absolute essentials.
I've been cooking all my own food rather than any premade sandwiches at work and I've lost a few pounds, now at 181 pounds, just 3 pounds over normal weight. My gym membership is on hiatus but I dug out my old mountain bike and discovered the Strava app. Turns out that real cycling is much more fun.
I have made at start at gardening and the tomatoes/onions are doing well but ideally, I would like the entire garden to be a kind of forest garden/permaculture affair - however my knowledge is very limited at present.
I have been looking at places to visit besides the UK and Ireland, mainly the Med or South East Asia especially the Philippines. In particular I want to get out of the UK for the Winter period - which is fairly horrendous to me. The short days do nothing for my mood.
To enhance the travel experience and make it more immersive, I've been looking at learning a language. The front runner at the moment is Spanish, so I'm hoping to learn atleast a basic understanding of phrases before taking an extended or otherwise visit.
On a strategic note, I am still living on a tight budget at the moment hoping for my investment returns to kick into runaway accumulation mode
I've been cooking all my own food rather than any premade sandwiches at work and I've lost a few pounds, now at 181 pounds, just 3 pounds over normal weight. My gym membership is on hiatus but I dug out my old mountain bike and discovered the Strava app. Turns out that real cycling is much more fun.
I have made at start at gardening and the tomatoes/onions are doing well but ideally, I would like the entire garden to be a kind of forest garden/permaculture affair - however my knowledge is very limited at present.
I have been looking at places to visit besides the UK and Ireland, mainly the Med or South East Asia especially the Philippines. In particular I want to get out of the UK for the Winter period - which is fairly horrendous to me. The short days do nothing for my mood.
To enhance the travel experience and make it more immersive, I've been looking at learning a language. The front runner at the moment is Spanish, so I'm hoping to learn atleast a basic understanding of phrases before taking an extended or otherwise visit.
On a strategic note, I am still living on a tight budget at the moment hoping for my investment returns to kick into runaway accumulation mode
Re: 2020
July 18th
a) £41671 (same)
b) £83064
c) £26040
d) £93399
Pensions total = £244174
Investments £25809
Savings/stuff £10665
House £101000
House Mort £-34417
Car £7000
Today's total is £354231 (88.6%)
Still spending less than investment growth - maybe this is retirement?
a) £41671 (same)
b) £83064
c) £26040
d) £93399
Pensions total = £244174
Investments £25809
Savings/stuff £10665
House £101000
House Mort £-34417
Car £7000
Today's total is £354231 (88.6%)
Still spending less than investment growth - maybe this is retirement?
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- Posts: 228
- Joined: Tue Oct 09, 2018 4:55 am
- Location: Oxbridge, UK
Re: 2020
How do you get the precise and regular home valuations, going up by £1k every month or so?