Why Series: Why Invest?

Before we consider the question, ‘Why Invest?’, let’s take a step back.  A little while back we had a little look at the question “Why Save?”.  I made some points and some readers came back with some even better points. Mrs Smelling Freedom noted that we should save “Because life is full of surprises, some sweet and others bitter, and… Read more »

May 2016 – Networth and Savings Rate Update – Climbing

Dear Savings Diary… The weather is heating up a treat, enough to have spent some time out on the bike, spinning out some nice 50+ milers at the weekend and even a couple of cheeky 30 milers before work. Roll on Sunday and the NetWorth spreadsheet is opened up and methodically updated to the background noise of some good music.  As… Read more »

Safe Withdrawal Rate Experiment – Month 17 – May 2016

The markets during May have felt like they have slowly ticked up upwards, despite concerns over the Brexit.  Let’s have a look at how the safe withdrawal rate experimental portfolio got on.  The standard recap We are now 17 months into my experiment, where Mr Z in Parallel Universe Number 1 pulled the trigger on early retirement.  This is a completely fictitious portfolio. It… Read more »

Needs and Wants

What do you Want or Need?

Our Wants & Needs are constantly doing battle for our attention, and more importantly our time. Spend too much time on our ‘Wants’ and our quality of life will actually start to decrease or we’ll start ploughing through too much money. Spend to much time on our ‘Needs’ and we start to get a bit resentful, life starts to feel… Read more »

Safe Withdrawal Rate Experiment – Month 16 – April 2016

April 2016 - Safe Withdrawal Rate Experiment - Comparison to alternative portfolio

I was away for most of April on holiday, hence the general lack of updates round ‘ere.  Let’s see how the ‘safe withdrawal rate’ experiment portfolio got on.     The standard recap We are now 16 months into my experiment, where Mr Z in Parallel Universe Number 1 pulled the trigger on early retirement.  This is a completely fictitious portfolio. It will hopefully give some… Read more »

April 2016 – NetWorth and savings rate update – Pain lingers

Savings Diary

Hey hey financial voyeurs, its monthly NetWorth and Savings rate update time.  A savings diary, you might say.  Dear Diary… April was pretty much spent at my actual wedding and then the following honeymoon, which was largely spent in San Francisco and Yosemite National Park.  Can I get a ‘Hell Yeah’ for Yosemite?  Spending a few days in a cabin in Yosemite… Read more »