2024 Goals

A week into 2024 and already, the boom we saw at the end of last year is beginning to fray a little around the edges. This is more or less how 2023 started so are we going to get more of the same?

The doomsters are still shouting the loudest and while I intend to try to avoid falling into the pit (of doom) they are digging, I’ll just roll with the challenges as they come and will as usual try to make the most of what is thrown at me.

So here goes with my Goals!

Please contain your excitement, there will be nothing radical or wildly different here.

I still prefer to keep to simple annual goals, ones which have some meaning to me, even if they might be meaningless to others. They provide me with some focus while I get on with the humdrum day-to-day stuff.

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December 2023 Savings, plus round up

Happy New Year!

I was in the gym on New Year’s Eve and out litter-picking on New Year’s Day morning – starting as I mean to go on!

Anyway, let’s just get the numbers out of the way for 2023!

I saved 12.1% of my net salary – not great, but a big credit card bill to cover gifts and social outings meant that I didn’t save as much as I would have liked.

The above includes £67.92 from doing Prolific surveys. I also received £103.83 from TopCashback* but ended up spending that on socialising.

Shares and Investment Trusts

No new investments, I just topped up existing ones.

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

Well, a mediocre year for investing ended up somewhat better than expected!

The Santa Rally did its thing and resulted in me achieving my £250k milestone for the first time since August 2021! Woohoo! 🙂

As at 31st December 2023, my Future Fund stood at £250,605.80.  After the painful sideways crawl of my investments over the past year or so, I am very happy and somewhat relieved that I’ve hit the milestone again.

Here’s how it all looks at the end of another year:

However, I had believed (hoped) that after raiding my Future Fund for my house deposit in 2021 (the big dip in Oct 21), the pot would have recouped/grown quicker but sadly, it was not to be.

Using unitization, I’m up just 5.8% this year across all my investments. This figure includes my dividend income portfolio, where stock prices continue to remain fairly depressed.

Nothing as spectacular as the growth that some other investors have reported, but after the nightmare of 2022, it was most comforting that things finally appear to be heading in the right direction.

Still, I daren’t be too hopeful for 2024 – it just feels like everything (at home and abroad) is teetering precariously on a knife edge and things liable to tip one way or another, causing tremors and disruption (or boom, if we’re lucky) in the stock markets.

Dividends and Other Income

A decent final month for dividends:

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Interim December 2023 update

The full December update will include my progress (or lack of!) over 2023, how I did versus my goals and if the Santa Rally continued until the end of the year. I’ll then be setting some new goals for 2024.

Thought I’d get this interim post off in the meantime to get some things off my chest (so to speak) before the festive shenanigans get underway and I don’t find the time to post.

Not Nice Stuff Alert!

This month tried its best to be a “Mensis Horribilis” but fortunately, didn’t quite succeed.

I’ve mentioned that I’ve been run ragged with work this past month or so, but what’s probably made things worse is that I’ve been worried about my health at the same time.

It appears that I’ve lost nearly half a stone through stress and that’s not good as I didn’t have half a stone excess weight to lose!

Anyway, I feel somewhat less stressed now that I know what’s going on and what’s going to happen.

In the new year, I will be having surgery to have a lump removed from my breast.

As far as they are currently aware, it’s benign and not immediately life threatening but surgery is nonetheless required, in case this changes. My Mum had breast cancer so you could say I have been somewhat distracted to say the least.

[Ladies, I can’t stress how important it is to check yourselves regularly and visit your GP if you have any worries or concerns whatsoever].

At most, I’ll be out of action post-surgery (for physical exertions, including driving) for two weeks but hopefully it won’t take that long to recover properly. I can’t see me taking the full two weeks off work for sick/medical leave but I will see how I feel.

I can’t fault the NHS at all – it took just a matter of weeks from initially seeing my GP with my concerns, through to hospital scans, biopsy and surgery diagnosis, although it did feel like the longest weeks ever to me at the time.

Perhaps I should be kind of grateful that work was so busy that I was focusing more on that, than anything else.

Anyway, now that I know what’s going on, I can just get on with the festivities and whatnot!

Right, got that out of the way, let’s get on to less gloomy stuff! 🙂

Glad Tidings

People at work have acknowledged the long hours I’ve been putting in, and this was shown via another Employee of the Month award I received, so that was nice. Although really, there’s probably something not right about awarding people for working outside of their normal hours!

Ironically, I had too much to do and decided not to attend the Christmas drinks party after the awards ceremony, haha!

I was in the office the following day and witnessed lots of sore heads, which was good as it meant I was left in peace to get on with my work with very little disturbance and distraction!

Fractional Fun Update

After my call for stock suggestions for my ‘One Share Portfolio’, I narrowed it down to two in the end, Hershey and Berkshire Hathaway. Then, with the death of Warren Buffett’s right hand man, Charlie Munger, I was guided by my heart and went for the latter, buying a bit of BRKB.

With the share price at around $362, it will take many fractional purchases using spare quids in my account to build up to one share to complete my portfolio! Currently, I own just  0.07th of a share!

Social and Relaxation Stuff

Aside from the above works do which I bailed out on, I made sure to attend all other social events I was invited to, including a leaving do, several Christmas meals already (gotta put some weight back on!) and a couple of weekend lunches to catch up with friends.

I didn’t think about buying Christmas presents until last week but I took a couple of days off work to do the shopping (needed to use my hols or lose them), and fortunately was done pretty quickly. I did buy some gifts online but I’m finding these days that it’s not always cheaper online and with some things, for quality purposes, it’s better to see/feel the actual item before buying.

With the social outings and present buying, my credit card has taken a hammering but it’s just once a year and I can handle that.

Been enjoying catching up on some TV programmes (now that my head’s clearer, I can concentrate on plots and storylines again!) – some enjoyable escapism shows I’ve just finished watching include S1 of ‘The Lazarus Project’ (sci-fi) and S1 of ‘Slow Horses’ (spy/thriller), both with a great British cast. Looking forward to watching S2 of both.

I can’t wait to binge-watch some other shows from my growing To-Watch list and also binge-read during my time off, but mostly, I really can’t wait to just empty my brain of everything for a while and lounge in my pyjamas, drinking mulled wine! 🙂

And on that note,  I wish you all a Merry Christmas and a happy and prosperous New Year – eat, drink and be merry!


2023 Goals

I think most will agree that 2022 was not a particularly great year.

Who knows what 2023 will bring? The optimist in me hopes that it will be better but the realist in me reckons it will be much of the same, just a slightly different flavour.

Regardless,  I’ll just roll with life and its challenges and will try to make the most of what is thrown at me.

So here goes with my Goals!

Please contain your excitement, as there’s a fair bit of of copying and pasting here!

I still prefer to keep to simple annual goals, ones which have some meaning to me, even if they might be meaningless to others. They provide me with some focus while I get on with the humdrum day-to-day stuff.

Continue reading