2020

[Nomad]

Just numbers, end of January 2024

Pensions
£45000 (same)
£82338 (-781)
£82240 (-822)
£77046 (-200)
£54089 (+3224)
total = £340713 (+1421)

Savings/Assets £-3354 (+1593)

House £132000 (-500)
Mortgage £-22724 (+286)
Car £8000 (0)

Total £454635 (+2800)

[Nomad]

I decided to make a note of my January expenses.
The simplistic approach is to split everything into essential expenses at the top, then discretionary or fun spending near the bottom.
Recurrent fun items are fun things paid via direct-debit.
I also put some aside into a savings account for future travels but that is not shown as it will be spent in future months.

Home Fixed
Electricity and Gas 100.00
Council Tax 94.00
Mortgage Interest 31.28
Boiler Insurance 29.32
Internet 29.88
House Insurance 20.57
Water 18.50
Sub-Total 323.55 (29.6%)

Groceries[ (Unitemised)
Sub-Total 150.00 (13.7%)

Car
Fuel 88.00
Maintenance 40.00
Insurance 30.00
Sub-Total 158.00 (14.4%)

Recurrent Fun
Gym 20.00
YouTube 12.99
Spotify 10.99
NetFlix 10.99
Mobile Phone 10.00
Account Fees 7.00
Google Space 1.59
Sub-Total 53.56 (4.9%)

Ad-Hoc Fun
Eating Out 158.00
Dentist 135.00
Optician 10.00
Boots 80.00
Gift 10.00
Clothes 6.00
Household 10.00
Sub-Total 409.00 (37.4%)

Total £1094.11

[Nomad]

End of February 2024 numbers.

Pensions
£45000 (same)
£81776 (-562)
£81897 (-343)
£78055 (+1009)
£55751 (+1662)
total = £342479 (+1766)

Savings/Assets £-1467 (+1887)

House £132000 (-500)
Mortgage £-22440 (+284)
Car £8000 (0)

Total £458572 (+3937)
I retired 'again' at the end of February...

[Nomad]

End of March 2024 numbers.

Pensions
£45000 (same)
£86763 (+4987)
£84360 (+2463)
£79549 (+1494)
£57527 (+1776)
total = £353199 (+10720)

Savings/Assets £-2076 (-609)

House £133000 (+1000)
Mortgage £-22156 (+284)
Car £8000 (0)

Total £469967 (+11395)
I had no income in March and actually had an extended couple of holidays. Thanks to growth in investments however, I am up a lot this month.

[guitarplayer]

Your target from nearly 6 years back was £403125. I just checked and inflation adjusted from 2018 to 2024, it turns into £498994 (impressive). So with inflation adjustment - nearly there!

[Nomad]

Your target from nearly 6 years back was £403125. I just checked and inflation adjusted from 2018 to 2024, it turns into £498994 (impressive). So with inflation adjustment - nearly there!

Thanks @guitarplayer, I get about the same result. My initial target was about £400k and £500k seems like the equivalent now. I did retire in February however, so I will need to rely on growth to get me over the finish line.

I checked out your blog; we have some similarities. I play guitar and use Cakewalk. Also, I worked in IT, using Java, GitHub, Ubuntu etc.

[guitarplayer]

Ha, missed that line about Feb retirement, great! Suppose you’re sorting out quality time plans with partner then - this would be interesting to read about as well if you decide to post on it. There is quite a bit of forum activity centred on what folk do after retiring.

I share the sentiment of wanting out when it’s sunny outside (like today).

At the moment I am in a ‘merely’ analyst bucket but pivot my way to traverse across to data science or engineering and in any case working more with code. Currently I am trying to get into a job where I would build maths models of processes in R or Python, along the lines of Integer Programming (I imagine). Chime in to my journal if you have any specific UK advice, I’m in the largest Scottish city.

Cakewalk looks great, but I make a point of trying Reaper as it was made by a very wealthy guy (previously built WinAmp, then sold it) who seems not in it only for the money so chances are the $60 lifetime subscription will remain in place. With Cakewalk - it looks great but I fear they are just collecting clients before rolling out paid-for software as service.

[Nomad]

Yep, planning a lot of holidays and maybe thinking about a migratory existence, UK in the Summer and somewhere warmer at other times of the year. I will be doing more music/recording stuff too.
I will checkout your journal a bit more.
I do like Cakewalk but I'm thinking of learning Ableton too. I have no excuse time-wise