I'm ennjoying running more again after feeling lazy about it since the half-marathon was cancelled. I never stopped entirely, but I went out less than I liked, and enjoyed it less than I was. It's nice to be doing it on a less rigid routine now. Not sure how much longer I'll keep it up for the commute, it really depends on how wet the autumn and winter are; I can shelter from the rain better when walking, which reminds me I need to get an umbrella.
It is going to be getting colder, so I need to start a kettlebell routine again. I want to do a set workout in the mornings, make it particularly intense, in the hopes this keeps my temperature higher for longer.
Guitar
Continuing to practice positioning for F chord, as well as changing between it and C, C/E. Starting to get a hang of the posture required for each note to sound, but I think it is going to take a while before changes seem even remotely fluid. I can change to C and back quite quickly, but the resultant F chord is dull.
Practising the posture for F exposed that I had been resting my thumb too high on the back of the fret board. This is making it harder to change chords as my fingers are less mobile, it's also meant my hand is weaker for playing barre chords. I've started shifting my thumb down the back of the fret board to rectify this, but looks like it is already habitual for it to end up at the top after a few changes.
Economics
Started working through the McConnell-Brue Economics textbook this month rather than picking up where I was with Bodie. As time has gone by, and particularly with the prospect of us paying off the mortgage next year, I've become more patient with learning this material, and would rather go over fundamentals that I likely already know than cut corners that may cause pain later. I'm onto the macroeconomics chapters now, looking at the link between income and consumption. Most of the content so far has been merely a refresher on things I already understood, but I'm starting to see bits of information creep in that I didn't know about/understand before, hopefully that continues to increase and reading the book becomes more worthwhile.
Finances
Focusing on getting expenses down to shift paying off the mortgage perhaps a month nearer seems to be having an effect: average savings rate is continuing to trend upwards. I think we're just being that much more careful before spending anything beyond bills.
I've included our capital including home equity this month, as I already track this myself, and if we do pay off the mortgage next year, I don't want it to appear as though we suddenly have no capital at all. The amount that I normally post simply denotes liquid capital.
- Capital: £138,055.96
- Capital w/ home equity: £181,298.82
- Average savings rate: 60.53%
- Average savings rate TTM: 68.12%
Note also that the jump in capital plus equity is simply because I cannot be bothered to back-calculate it further than then.