Assets and Liabilities Check 3/11/24
Assets
Property - £966,000
Saleable collections - £38,000
Car - £10,000
Pension 1 - £1,023,000
Pension 2 - £95,000
Pension 3 - £138,000
Professional assets - £260,000
ISAs - £0
NS&I - £0
Cash - £4,000
Gross assets- £2,534,000
Liabilities
Credit cards - £8,000
Loans - £28,000
Mortgage - £558,000
Professional loans - £260,000
Gross liabilities- £854,000
Net - £1,680,000.
Values of assets went down a bit so total net went down but it's still basically chatter - still third highest total ever. Knocked a few quid off the debts.
£10,926 was the spending figure. Major categories of expenditure were a contribution to my mother's building repairs, £3,060, dinners out a staggering £1,959, wine £1,217, food £865, interest £848.
12,167 steps average, 8 exercise sessions, 1 yoga session. 218 pounds. Getting back in to exercise after covid has been good but I was grazing too much on food so piled on weight.
Repairs to my mother's house in the country are ongoing. The roof repair has now become a roof replacement and is going to cost about £90,000 and take four months. It's an absolutely huge roof, much bigger than the house in terms of square footage, and of welsh slate. It is what it is. Sold some more stuff last week to help defray the costs. At least there is stuff to sell.
Kipling's Journal
Re: Kipling's Journal
Assets and Liabilities Check 02/12/24
Assets
Property - £966,000
Saleable collections - £38,000
Car - £10,000
Pension 1 - £1,079,000
Pension 2 - £95,000
Pension 3 - £138,000
Professional assets - £260,000
ISAs - £0
NS&I - £0
Cash - £9,000
Loans out - £1,000
Gross assets- £2,596,000
Liabilities
Credit cards - £10,000
Loans - £22,000
Mortgage - £555,000
Professional loans - £260,000
Gross liabilities- £847,000
Net - £1,749,000.
A great month on the stock market has seen the pension fund take another leap - again, my tilt towards the US (and Berkshire Hathaway in particular) doing the heavy lifting. I also got paid out a chunk of profits by the business, so income was high. Overall NW up £69,000.
£9,607 was the spending figure. Major categories of expenditure were flights for a trip next year £2,327, wine £1,477, seasonal and birthday presents £950, food £779, interest £831, car service and parking permit £685.
Have just spent another weekend in the country clearing things up at my mother's house, facilitating electricians visiting and filling another skip with rubbish - 17 of probably 25 skips that will be necessary. Repairs to the chimneys there are complete, which is a relief as there were some fairly serious gales last week and I have been worrying all year that a gale would bring one down before the work was complete. A bullet dodged.
16,944 steps average - marathon training is clicking into high gear and, as part of the journey, I did two half-marathons in November and a fifteen-miler in the rain yesterday. I am now fit enough to go out and run for three hours without expecting to feel crippled the following morning; it's a good feeling.17 exercise sessions, 0 yoga sessions - yoga will be an additional focus for December. Weight down to 211 pounds as of this morning.
Since I now earn too much to be able to put much into my pension, the financial priorities for the next 4 years are (i) get the work on my own house finished, and (ii) chisel away at the debts. After those are sorted it's going to be about saving as much as I can outside the pension to enable me to not touch the pension for a while when I pull the ripcord. Target NW is somewhere between £3m and £4m, but it's a little uncertain as it's dependent on the number that spending settles down to after the renovations and debts are gone.
A good month. I am thankful.
Assets
Property - £966,000
Saleable collections - £38,000
Car - £10,000
Pension 1 - £1,079,000
Pension 2 - £95,000
Pension 3 - £138,000
Professional assets - £260,000
ISAs - £0
NS&I - £0
Cash - £9,000
Loans out - £1,000
Gross assets- £2,596,000
Liabilities
Credit cards - £10,000
Loans - £22,000
Mortgage - £555,000
Professional loans - £260,000
Gross liabilities- £847,000
Net - £1,749,000.
A great month on the stock market has seen the pension fund take another leap - again, my tilt towards the US (and Berkshire Hathaway in particular) doing the heavy lifting. I also got paid out a chunk of profits by the business, so income was high. Overall NW up £69,000.
£9,607 was the spending figure. Major categories of expenditure were flights for a trip next year £2,327, wine £1,477, seasonal and birthday presents £950, food £779, interest £831, car service and parking permit £685.
Have just spent another weekend in the country clearing things up at my mother's house, facilitating electricians visiting and filling another skip with rubbish - 17 of probably 25 skips that will be necessary. Repairs to the chimneys there are complete, which is a relief as there were some fairly serious gales last week and I have been worrying all year that a gale would bring one down before the work was complete. A bullet dodged.
16,944 steps average - marathon training is clicking into high gear and, as part of the journey, I did two half-marathons in November and a fifteen-miler in the rain yesterday. I am now fit enough to go out and run for three hours without expecting to feel crippled the following morning; it's a good feeling.17 exercise sessions, 0 yoga sessions - yoga will be an additional focus for December. Weight down to 211 pounds as of this morning.
Since I now earn too much to be able to put much into my pension, the financial priorities for the next 4 years are (i) get the work on my own house finished, and (ii) chisel away at the debts. After those are sorted it's going to be about saving as much as I can outside the pension to enable me to not touch the pension for a while when I pull the ripcord. Target NW is somewhere between £3m and £4m, but it's a little uncertain as it's dependent on the number that spending settles down to after the renovations and debts are gone.
A good month. I am thankful.
Re: Kipling's Journal
Assets and Liabilities Check 20/1/25
Check in for December, but very late. Had a brutal period of work.
Assets
Property - £966,000
Saleable collections - £38,000
Car - £10,000
Pension 1 - £1,107,000
Pension 2 - £95,000
Pension 3 - £138,000
Professional assets - £260,000
ISAs - £0
NS&I - £0
Cash - £0
Loans out - £2,000
Gross assets- £2,616,000
Liabilities
Credit cards - £4,000
Loans - £25,000
Mortgage - £552,000
Professional loans - £260,000
Gross liabilities- £841,000
Net - £1,775,000.
Another all time high in net worth, driven by pension fund powering through £1.1m due to market frothiness.
£9,893 was the spending figure. Major categories of expenditure were wine £2,225, decorating £1,857, food £947, interest £847 and a whole array of small one-offs.
Recourse was had to the usual crutches of exercise, food, and spending money on wine as work otherwise all-consuming.
Christmas break was spent doing decorative tasks on London home, in advance of and after the professionals being in, before round of the aged relatives between seasonal break and new year. Another skip filled at my mother's place in the country. Roof works have finally started there, delayed until now by bad weather.
19,253 steps average – an all time high due to marathon training.18 exercise sessions, 0 yoga sessions. Weight down to 210 pounds – a fail, but not a bad one in the difficult circumstances.
Onwards.
Check in for December, but very late. Had a brutal period of work.
Assets
Property - £966,000
Saleable collections - £38,000
Car - £10,000
Pension 1 - £1,107,000
Pension 2 - £95,000
Pension 3 - £138,000
Professional assets - £260,000
ISAs - £0
NS&I - £0
Cash - £0
Loans out - £2,000
Gross assets- £2,616,000
Liabilities
Credit cards - £4,000
Loans - £25,000
Mortgage - £552,000
Professional loans - £260,000
Gross liabilities- £841,000
Net - £1,775,000.
Another all time high in net worth, driven by pension fund powering through £1.1m due to market frothiness.
£9,893 was the spending figure. Major categories of expenditure were wine £2,225, decorating £1,857, food £947, interest £847 and a whole array of small one-offs.
Recourse was had to the usual crutches of exercise, food, and spending money on wine as work otherwise all-consuming.
Christmas break was spent doing decorative tasks on London home, in advance of and after the professionals being in, before round of the aged relatives between seasonal break and new year. Another skip filled at my mother's place in the country. Roof works have finally started there, delayed until now by bad weather.
19,253 steps average – an all time high due to marathon training.18 exercise sessions, 0 yoga sessions. Weight down to 210 pounds – a fail, but not a bad one in the difficult circumstances.
Onwards.
Re: Kipling's Journal
Assets and Liabilities check 09/02/25
Check in for January while on a long train journey. I am spending a lot of time on trains at the moment, 14 hours this week, 6 hours last week. Mainly visits of obligation rather than pleasure.
Assets
Property - £966,000
Saleable collections - £38,000
Car - £10,000
Pension 1 - £1,108,000
Pension 2 - £95,000
Pension 3 - £138,000
Professional assets - £260,000
ISAs - £0
NS&I - £0
Cash - £0
Loans out - £2,000
Gross assets- £2,617,000
Liabilities
Credit cards - £8,000
Loans - £20,000
Mortgage - £549,000
Professional loans - £260,000
Gross liabilities- £837,000
Net - £1,780,000.
Marginally, another net worth high.
Spending £9,254.
Major items were a large annual subscription £1,855 (last time for that one), wine £1,475, decorating £1,393, interest £855, a couple of presents for myself £393, food £392.
Another month of being flat out at work. Need to recuit more people with a specific skill set but the HR guy is too busy to pay attention. Team are (quite reasonably) getting shirty about it.
Finished the marathon I had planned but suffered a recurrence of a knee injury about 3/4 way through so had to walk last 10k. Time accordingly poor. But, I finished. Irritating knee niggle since, still not fully resolved, but did a gentle 10k this morning in cold sunlit countryside. Averaged 14,767 steps.
New roof going on mother's house in the country. It's costing a fortune but looks really great and won't need to be touched again for 50 years. Filled another skip with rubbish (skip #20) and seem to be making real progress on the tidying up. Booked skip #21 for a couple of weeks from now.
Sold another bunch of my late father's possessions at auction raising another £7,000 net. That's going to pay for one of the sections of roof, anyway. Most of the selling done now - maybe another £5,000 of stuff to go. Will be done by the summer.
Completed my mother's and my own tax returns. I have an income about 10 times as high as my mother but pay about 25 times as much tax. Welcome to the UK's progressive taxation regime. Allowed myself my annual half hour of being deeply upset about how much of the money I give to the tax man is being wasted, before putting that anger in a box for the year and turning the key. It is what it is.
Painted my kitchen ceiling over a couple of weekends - it needed a lot of prep work and three coats of emulsion.
Need to find time to commission substantial works on own home now.
Feels like there's not been a lot of fun in my life recently, this morning's 10k excepted. Lot of time spent shovelling other people's ordure. I appreciate that I am in the period in my life where I am being paid the most money I will ever get, and that I get paid that money because I can manage complexity. But it is very wearing.
Check in for January while on a long train journey. I am spending a lot of time on trains at the moment, 14 hours this week, 6 hours last week. Mainly visits of obligation rather than pleasure.
Assets
Property - £966,000
Saleable collections - £38,000
Car - £10,000
Pension 1 - £1,108,000
Pension 2 - £95,000
Pension 3 - £138,000
Professional assets - £260,000
ISAs - £0
NS&I - £0
Cash - £0
Loans out - £2,000
Gross assets- £2,617,000
Liabilities
Credit cards - £8,000
Loans - £20,000
Mortgage - £549,000
Professional loans - £260,000
Gross liabilities- £837,000
Net - £1,780,000.
Marginally, another net worth high.
Spending £9,254.
Major items were a large annual subscription £1,855 (last time for that one), wine £1,475, decorating £1,393, interest £855, a couple of presents for myself £393, food £392.
Another month of being flat out at work. Need to recuit more people with a specific skill set but the HR guy is too busy to pay attention. Team are (quite reasonably) getting shirty about it.
Finished the marathon I had planned but suffered a recurrence of a knee injury about 3/4 way through so had to walk last 10k. Time accordingly poor. But, I finished. Irritating knee niggle since, still not fully resolved, but did a gentle 10k this morning in cold sunlit countryside. Averaged 14,767 steps.
New roof going on mother's house in the country. It's costing a fortune but looks really great and won't need to be touched again for 50 years. Filled another skip with rubbish (skip #20) and seem to be making real progress on the tidying up. Booked skip #21 for a couple of weeks from now.
Sold another bunch of my late father's possessions at auction raising another £7,000 net. That's going to pay for one of the sections of roof, anyway. Most of the selling done now - maybe another £5,000 of stuff to go. Will be done by the summer.
Completed my mother's and my own tax returns. I have an income about 10 times as high as my mother but pay about 25 times as much tax. Welcome to the UK's progressive taxation regime. Allowed myself my annual half hour of being deeply upset about how much of the money I give to the tax man is being wasted, before putting that anger in a box for the year and turning the key. It is what it is.
Painted my kitchen ceiling over a couple of weekends - it needed a lot of prep work and three coats of emulsion.
Need to find time to commission substantial works on own home now.
Feels like there's not been a lot of fun in my life recently, this morning's 10k excepted. Lot of time spent shovelling other people's ordure. I appreciate that I am in the period in my life where I am being paid the most money I will ever get, and that I get paid that money because I can manage complexity. But it is very wearing.
Re: Kipling's Journal
Console yourself that you still get to consume more in a month than most people do in a year.Kipling wrote: ↑Sun Feb 09, 2025 1:04 pmWelcome to the UK's progressive taxation regime. Allowed myself my annual half hour of being deeply upset about how much of the money I give to the tax man is being wasted, before putting that anger in a box for the year and turning the key. It is what it is.
Re: Kipling's Journal
@ chenda - quite so.
Re: Kipling's Journal
Assets and Liabilities check 02/03/25
Did the calculations last weekend, didn't have time to write them up as I was gearing up for a hearing yesterday. Chores (and work) getting in the way of contemplation of strategy is a recurring them in my life, and of course that of many others, even here. Hmm.
Assets
Property - £966,000
Saleable collections - £38,000
Car - £10,000
Pension 1 - £1,142,000
Pension 2 - £95,000
Pension 3 - £138,000
Professional assets - £260,000
ISAs - £0
NS&I - £0
Cash - £10,000
Loans out - £2,000
Gross assets- £2,661,000
Liabilities
Credit cards - £9,000
Loans - £18,000
Mortgage - £545,000
Professional loans - £260,000
Gross liabilities- £832,000
Net - £1,829,000.
A new net worth high. Got paid out a chunk of cash from the firm, and the stock market was going gangbusters. I've had a wonderful 18 months from that point of view (and in truth, many other points of view, as I've climbed out of post-parental-demise triste).
September 2012 - 500k
October 2013 - 600k
February 2014 - 700k
March 2015 - 800k
July 2016 - 900k
May 2017 - 1000k
June 2019 - 1100k
September 2020 - 1200k
April 2021 - 1300k
February 2023 - 1400k
January 2024 - 1500k
March 2024 - 1600k
August 2024 - 1700k
March 2025 - 1800k
Spending £5,963
Major items of expenditure were that perennial favourite wine, £1,956, house insurance, £871, interest, £852, food, £664, and an item connected to my collecting interests, £355.
Averaged 14,746 steps a day. Weight 212 pounds. Preparing for another half marathon, but also eating too much, first half of the month. Have made a concerted effort since then to do batch cooking to make sure there is good nutritious food in the fridge and freezer so it is easier to eat healthily even when working 13 hours a day.
On my mother's house in the country, re-roofing works still going on. New guttering next. Skip #21 filled, almost done with the basic clearing up.
Going north to commission repair works on my mother's second house next weekend.
Have had a general contractor round to see if he can undertake works on the exterior of our house in London. Quote awaited, with some trepidation. Also had all the chimneys swept and checked - sweep said some of them hadn't been done for thirty years, so very pleased I did that before lighting any fires...
Things starting to ease a bit at work. Financial year end is end of this month, so a push on billing things out, but my team are all set, we've had a cracking year.
Feeling like things are moving a bit. And, it's spring in London!
Did the calculations last weekend, didn't have time to write them up as I was gearing up for a hearing yesterday. Chores (and work) getting in the way of contemplation of strategy is a recurring them in my life, and of course that of many others, even here. Hmm.
Assets
Property - £966,000
Saleable collections - £38,000
Car - £10,000
Pension 1 - £1,142,000
Pension 2 - £95,000
Pension 3 - £138,000
Professional assets - £260,000
ISAs - £0
NS&I - £0
Cash - £10,000
Loans out - £2,000
Gross assets- £2,661,000
Liabilities
Credit cards - £9,000
Loans - £18,000
Mortgage - £545,000
Professional loans - £260,000
Gross liabilities- £832,000
Net - £1,829,000.
A new net worth high. Got paid out a chunk of cash from the firm, and the stock market was going gangbusters. I've had a wonderful 18 months from that point of view (and in truth, many other points of view, as I've climbed out of post-parental-demise triste).
September 2012 - 500k
October 2013 - 600k
February 2014 - 700k
March 2015 - 800k
July 2016 - 900k
May 2017 - 1000k
June 2019 - 1100k
September 2020 - 1200k
April 2021 - 1300k
February 2023 - 1400k
January 2024 - 1500k
March 2024 - 1600k
August 2024 - 1700k
March 2025 - 1800k
Spending £5,963
Major items of expenditure were that perennial favourite wine, £1,956, house insurance, £871, interest, £852, food, £664, and an item connected to my collecting interests, £355.
Averaged 14,746 steps a day. Weight 212 pounds. Preparing for another half marathon, but also eating too much, first half of the month. Have made a concerted effort since then to do batch cooking to make sure there is good nutritious food in the fridge and freezer so it is easier to eat healthily even when working 13 hours a day.
On my mother's house in the country, re-roofing works still going on. New guttering next. Skip #21 filled, almost done with the basic clearing up.
Going north to commission repair works on my mother's second house next weekend.
Have had a general contractor round to see if he can undertake works on the exterior of our house in London. Quote awaited, with some trepidation. Also had all the chimneys swept and checked - sweep said some of them hadn't been done for thirty years, so very pleased I did that before lighting any fires...
Things starting to ease a bit at work. Financial year end is end of this month, so a push on billing things out, but my team are all set, we've had a cracking year.
Feeling like things are moving a bit. And, it's spring in London!
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- Posts: 1683
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- Location: Scotland
Re: Kipling's Journal
Assets and Liabilities check 04/04/25
Did the calculations last week so reporting them as done. Markets obviously a bit windy since!
Assets
Property - £966,000
Saleable collections - £38,000
Car - £10,000
Pension 1 - £1,118,000
Pension 2 - £95,000
Pension 3 - £138,000
Professional assets - £290,000
ISAs - £0
NS&I - £0
Cash - £4,000
Loans out - £2,000
Gross assets- £2,661,000
Liabilities
Credit cards - £5,000
Loans - £7,000
Mortgage - £541,000
Professional loans - £290,000
Gross liabilities- £843,000
Net - £1,818,000.
A modest decline in net worth due to stock market movements, but a payout from the firm got rid of a chunk of debt so that buffered things. Stock markets seem to be moving into correction territory but since my horizon is 5+ years I am sitting on my hands.
Spending £7,185.
Major items of expenditure were wine, £2,671, meals out £1,180, interest £822, food £698, electricity, gas and water £622.
Q1 spending £22,402… but that's still £10,016 less than Q1 last year.
Averaged 14,632 steps a day. 10 exercise sessions. Did a half marathon in a this-decade record time for me so was in reasonable shape for that. But, weight probably 215 pounds now - haven't checked - as a deluge of work hit – March was probably the hardest I have worked in several years, and so I have been back to unhealthy ways - tube at least one way to work, and eating processed food to save time for working. We have at least had an absolutely belting year financially, which will enable me to push to reward my top performers.
I have realised that for me wine buying is something I do more of when I am stressed about work / doing more hours. That's an interesting correlation for me to think about, not least because of the effect on the number needed for retirement. I will run some comparative numbers.
On my mother's house in the country, re-roofing works still going on but nearing completion, looks great, guttering going up next. Skip #22 filled, done with the basic clearing up save for tidying the edges. Repair works on my mother's second house have been commissioned, starting late May. Refurbishment of some exterior elements of my house commissioned, starting late April.
Onwards…
Did the calculations last week so reporting them as done. Markets obviously a bit windy since!
Assets
Property - £966,000
Saleable collections - £38,000
Car - £10,000
Pension 1 - £1,118,000
Pension 2 - £95,000
Pension 3 - £138,000
Professional assets - £290,000
ISAs - £0
NS&I - £0
Cash - £4,000
Loans out - £2,000
Gross assets- £2,661,000
Liabilities
Credit cards - £5,000
Loans - £7,000
Mortgage - £541,000
Professional loans - £290,000
Gross liabilities- £843,000
Net - £1,818,000.
A modest decline in net worth due to stock market movements, but a payout from the firm got rid of a chunk of debt so that buffered things. Stock markets seem to be moving into correction territory but since my horizon is 5+ years I am sitting on my hands.
Spending £7,185.
Major items of expenditure were wine, £2,671, meals out £1,180, interest £822, food £698, electricity, gas and water £622.
Q1 spending £22,402… but that's still £10,016 less than Q1 last year.
Averaged 14,632 steps a day. 10 exercise sessions. Did a half marathon in a this-decade record time for me so was in reasonable shape for that. But, weight probably 215 pounds now - haven't checked - as a deluge of work hit – March was probably the hardest I have worked in several years, and so I have been back to unhealthy ways - tube at least one way to work, and eating processed food to save time for working. We have at least had an absolutely belting year financially, which will enable me to push to reward my top performers.
I have realised that for me wine buying is something I do more of when I am stressed about work / doing more hours. That's an interesting correlation for me to think about, not least because of the effect on the number needed for retirement. I will run some comparative numbers.
On my mother's house in the country, re-roofing works still going on but nearing completion, looks great, guttering going up next. Skip #22 filled, done with the basic clearing up save for tidying the edges. Repair works on my mother's second house have been commissioned, starting late May. Refurbishment of some exterior elements of my house commissioned, starting late April.
Onwards…
Re: Kipling's Journal
Assets and Liabilities check 05/05/25
Assets
Property - £966,000
Saleable collections - £39,000
Car - £10,000
Pension 1 - £1,121,000
Pension 2 - £95,000
Pension 3 - £138,000
Professional assets - £290,000
ISAs - £0
NS&I - £0
Cash - £2,000
Loans out - £2,000
Gross assets- £2,663,000
Liabilities
Credit cards - £7,000
Loans - £5,000
Mortgage - £542,000
Professional loans - £290,000
Gross liabilities- £844,000
Net - £1,819,000.
Stock market rebound takes me to second highest net worth ever, but the impending retirement of the Sage of Omaha is likely to take some of the shine off in the short term.
Spending £8,294.
Major items of expenditure were wine, £2,844, holiday bookings £2,414, interest £822, food £541, an item connected to one of my collecting interests £425.
Averaged 13,604 steps a day, way too many days spent sitting in a car. But 14 exercise sessions, 9 yoga sessions, really pleased to be getting back into the latter. Have been in the US for the past week and a half and eating US portions mean the scales will not be a good sight tomorrow.
Refurbishment works have not yet started on my house, contractor is sick. Almost there on my mother's primary residence though.
Onwards…
Assets
Property - £966,000
Saleable collections - £39,000
Car - £10,000
Pension 1 - £1,121,000
Pension 2 - £95,000
Pension 3 - £138,000
Professional assets - £290,000
ISAs - £0
NS&I - £0
Cash - £2,000
Loans out - £2,000
Gross assets- £2,663,000
Liabilities
Credit cards - £7,000
Loans - £5,000
Mortgage - £542,000
Professional loans - £290,000
Gross liabilities- £844,000
Net - £1,819,000.
Stock market rebound takes me to second highest net worth ever, but the impending retirement of the Sage of Omaha is likely to take some of the shine off in the short term.
Spending £8,294.
Major items of expenditure were wine, £2,844, holiday bookings £2,414, interest £822, food £541, an item connected to one of my collecting interests £425.
Averaged 13,604 steps a day, way too many days spent sitting in a car. But 14 exercise sessions, 9 yoga sessions, really pleased to be getting back into the latter. Have been in the US for the past week and a half and eating US portions mean the scales will not be a good sight tomorrow.
Refurbishment works have not yet started on my house, contractor is sick. Almost there on my mother's primary residence though.
Onwards…
Re: Kipling's Journal
Assets and Liabilities check 03 June 2025
Assets
Property - £966,000
Saleable collections - £40,000
Car - £10,000
Pension 1 - £1,088,000
Pension 2 - £94,000
Pension 3 - £138,000
Professional assets - £290,000
ISAs - £0
NS&I - £0
Cash - £17,000
Loans out - £2,000
Gross assets- £2,645,000
Liabilities
Credit cards - £7,000
Loans - £6,000
Mortgage - £539,000
Professional loans - £290,000
Gross liabilities- £842,000
Net - £1,803,000.
Decline in the value of the dollar takes the value of my US - heavy pension fund down a notch but I am still wealthier than I have been in my entire life up to February this year.
Desperately busy at work.
Spending £12,074
Major items of expenditure were holiday bookings £2,315, wine, £2,314, house insurance £1,132, interest £822, a set of sessions with my personal trainer £750, meals out £726, an item connected to one of my collecting interests £497. Now on a six month wine buying moratorium again. I have enough for a long time.
Averaged 11,077 steps a day, a multi-year low. 9 exercise sessions, 4 yoga sessions, just not enough. Weight was ballooning so I'm now on a 'no exercise session in a day, no carbs in that day' regime. Let's see how that helps.
Refurbishment works are ongoing on exterior of my house. On to final phase on my mother's place.
Onwards…
Assets
Property - £966,000
Saleable collections - £40,000
Car - £10,000
Pension 1 - £1,088,000
Pension 2 - £94,000
Pension 3 - £138,000
Professional assets - £290,000
ISAs - £0
NS&I - £0
Cash - £17,000
Loans out - £2,000
Gross assets- £2,645,000
Liabilities
Credit cards - £7,000
Loans - £6,000
Mortgage - £539,000
Professional loans - £290,000
Gross liabilities- £842,000
Net - £1,803,000.
Decline in the value of the dollar takes the value of my US - heavy pension fund down a notch but I am still wealthier than I have been in my entire life up to February this year.
Desperately busy at work.
Spending £12,074
Major items of expenditure were holiday bookings £2,315, wine, £2,314, house insurance £1,132, interest £822, a set of sessions with my personal trainer £750, meals out £726, an item connected to one of my collecting interests £497. Now on a six month wine buying moratorium again. I have enough for a long time.
Averaged 11,077 steps a day, a multi-year low. 9 exercise sessions, 4 yoga sessions, just not enough. Weight was ballooning so I'm now on a 'no exercise session in a day, no carbs in that day' regime. Let's see how that helps.
Refurbishment works are ongoing on exterior of my house. On to final phase on my mother's place.
Onwards…
Re: Kipling's Journal
Assets and Liabilities check 02 July 2025
Assets
Property - £966,000
Saleable collections - £40,000
Car - £9,000
Pension 1 - £1,080,000
Pension 2 - £96,000
Pension 3 - £160,000
Professional assets - £290,000
ISAs - £0
NS&I - £0
Cash - £3,000
Loans out - £2,000
Gross assets- £2,647,000
Liabilities
Credit cards - £7,000
Loans - £5,000
Mortgage - £535,000
Professional loans - £290,000
Gross liabilities- £837,000
Net - £1,810,000.
Decline in the value of the dollar continues to suppress the value of my US - heavy pension fund but UK denominated assets are up slightly and so I remain wealthier than I have been in my entire life up to February this year.
Still desperately busy at work. Got a whopping profits allocation bump as a result.
Spending £16,563
Refurbishment works are ongoing on exterior of my house. Probably another month to go. On to the very final elements of the structural work on my mother's place in the country. Skip #24 filled last weekend.
Major items of expenditure were builders £8,690, wine £3,429 (the vast majority ordered a couple of years ago but not billed until now), car insurance £966, interest £850, food £710, dental treatment £600.
Averaged 13,259 steps a day, back on track there. 33 exercise sessions, 2 yoga sessions, good on the former, not enough on the latter. More attention to diet and a good number of alcohol-free days, and much more exercise mean weight is down to 212 lbs.
Onwards…
Assets
Property - £966,000
Saleable collections - £40,000
Car - £9,000
Pension 1 - £1,080,000
Pension 2 - £96,000
Pension 3 - £160,000
Professional assets - £290,000
ISAs - £0
NS&I - £0
Cash - £3,000
Loans out - £2,000
Gross assets- £2,647,000
Liabilities
Credit cards - £7,000
Loans - £5,000
Mortgage - £535,000
Professional loans - £290,000
Gross liabilities- £837,000
Net - £1,810,000.
Decline in the value of the dollar continues to suppress the value of my US - heavy pension fund but UK denominated assets are up slightly and so I remain wealthier than I have been in my entire life up to February this year.
Still desperately busy at work. Got a whopping profits allocation bump as a result.
Spending £16,563
Refurbishment works are ongoing on exterior of my house. Probably another month to go. On to the very final elements of the structural work on my mother's place in the country. Skip #24 filled last weekend.
Major items of expenditure were builders £8,690, wine £3,429 (the vast majority ordered a couple of years ago but not billed until now), car insurance £966, interest £850, food £710, dental treatment £600.
Averaged 13,259 steps a day, back on track there. 33 exercise sessions, 2 yoga sessions, good on the former, not enough on the latter. More attention to diet and a good number of alcohol-free days, and much more exercise mean weight is down to 212 lbs.
Onwards…