Happy New Year!
I was in the gym before 9am this morning – starting as I (hopefully) mean to go on, but I’m still a little jetlagged so am waking up at ridiculous hours.
Hope you all had an enjoyable festive period and NY celebrations.
Anyway, let’s just get the numbers out of the way for 2022 – I’m sure many will say good riddance to that year!
I saved 13.5% of my net salary, more than I thought I would save, given my travels and the time of year.
The above includes £48.75 from TopCashback* and £29.16 from doing Prolific surveys.
Shares and Investment Trusts
No new investments, I just topped up existing ones.
Current share/IT portfolio can be found here.
(Entire portfolio here)
It was inevitable that I would end the year with my porfolio down in the dumps. As at 31st December, my Future Fund finished up at £225,325.60.
Here’s how it all looks at the end of another year:
Much as I’d like to forget about 2022, it’s my worst investment year so far (using unitization, I’m down 8%), but I think I need it to remind me that investing is not all upward trends and bull markets. Or fun.
Dividends and Other Income
A decent final month for dividends:
I received £523.50, of which £205.71 was from my ISAs, the rest from my SIPPs.
Here’s what the graph looks like after another year:
This has been the only part of my portfolio I’ve enjoyed looking at!
And here’s how it all ended:
I’d be more upset if I wasn’t already numbed from seeing red numbers all the time this year, haha!
So close on a couple (library books and charity donations) but nowhere near the savings rate or emergency goals funds. I did read a total of 25 books (my Goodreads goal) and am pleased with hitting the non-fiction reading goal.
Am well chuffed with the dividend income – I had originally pencilled in to receive an average £250 a month for my FIRE plan, which was to cover most of my basic household expenses. I’m now averaging at £300 a month and with basic costs continuing to go up, I think I might adjust my plan to see how it looks if I aim for £350 or even £400 a month.
Yet Another Year Nobody Predicted (especially me)
It’s been a year since I bought my house.
The houseplants I bought when I moved in are still alive – my greenfingers have definitely improved!
I received Christmas cards from 4 of my neighbours, plus a little present from my immediate neighbour – I have very much settled into my home and the neighbourhood here.
My garden is still a work-in-progress, it’s getting there, though money needs to be thrown at it.
I got COVID early in the year and it wasn’t as bad as I thought it would be – I’d just rather not catch it again if I can help it.
Other than that, it’s been another year of feeling well physically and mentally, with the odd bouts of minor peri-menopausal symptoms but nothing I haven’t been able to cope with. I didn’t even put on my usual extra Christmas poundage as I somehow kept food and drink over-indulgence to a minimum (without meaning to).
I’ve remained in employment and despite working mostly from home, am keeping the powers that be happy, with them awarding me that trip to Dubrovnik and an employee of the year award. Go me!
That said, I am of course not looking forward to returning to work this week, but at least I feel like I’ve had a decent break.
My social life was good in 2022, enjoyed outings with friends, the Manchester FIRE meet ups, catching up with a fellow blogger from Oz, and a trip to see the tennis at Wimbledon.
This was also the year I finally got to see my parents after 3.5 long years.
Need to tighten purse strings for 2023 so will see how I can keep the social outings going without it breaking the bank/messing up my FIRE plans. I think one of my friends has a big birthday coming up so if there’s an overseas trip to be had, that will have to be accounted for.
New Year, Same Old, Same Old?
2023 promises to be another challenging year.
I can’t see things changing too much in the news headlines this year – the same doom and gloom, ie war in Ukraine, strikes, higher cost of living for everyone and COVID. Or might things get interesting and we get some doom and gloom of a different flavour? Mortgage defaults and house repossessions?
Being a mostly optimistic person, I’ll just keep on keeping on, adjust my life as needs be and continue to try to save and invest where I can and enjoy my life however I can.
My goals will likely end up being similar to previous ones which have never been very exciting but they keep me focused – I also don’t feel like I have the brain capacity to think of different ones, certainly not ones I will persevere with at any rate.
Anyway, here’s to a happy, healthy and hopefully wealthy 2023 to all of us!