Safe Withdrawal Rate Experiment – Month 20 – August 2016

Well hello there dear reader.  Time has sure been flying by recently, so much that I am only just sneaking this in before the end of the month! The standard recap We are now 20 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 insight… Read more »

August 2016 – NetWorth and Savings Rate Update – Habits

Dear Savings Diary… Work has ramped back up again and it’s been another month of 12 hour days working for that bastard, the SalaryMaster. Got to keep your priorities, though. I’ve still been getting to gym nearly every work day.  The one-handed handstand edges ever closer. Across the bank holiday weekend this zombie spent his time ripping up carpets and… Read more »

Salary – the most addictive drug?

Look around you, nearly everyone is addicted.  Your co-workers, your friends, your family, hot-fucking-dam maybe even you are.  Addicted to that monthly high. Most are going through the same monthly pattern, an oscillation determined by the corporate diary.  Towards the end of the month the Horde show restraint shown out of necessity and spending is curbed.  But there’s something fizzing… Read more »

Safe Withdrawal Rate Experiment – Month 19 – July 2016

It’s been a busy July for poor old Mr Zombie at work in this universe, but Mr Zombie in parallel universe number one just continues to live off his portfolio;  The standard recap We are now 19 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… Read more »

July 2016 – NetWorth and Savings Rate Update – Habits

Dear Savings Diary… As I hinted at in an earlier post I’ve been crazily busy with work which has left precious little time for anything other than my normal half hour spent at the weekends updating my NetWorth spreadsheet. I must apologise for not responding to any comments that people have left on this blog, but alas when free time… Read more »

So…What Next?

Blimey, it’s been a busy few weeks at Work.  Work in the mornings before going into Work.  Work in the evening before climbing into bed to get some rest for getting up for Work.  Work at the weekends, that traditional break from Work. I don’t mind busy periods at work, but this one is stretching out towards a month and… Read more »

Safe Withdrawal Rate Experiment – Month 18 – June 2016

Brexit came clattering onto our plates in June.  Let’s have a look at how the safe withdrawal rate experimental portfolio got on with that huge shock;  The standard recap We are now 18 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 insight into what… Read more »

June 2016 – NetWorth and Savings Rate Update – A peak reached?

Dear Savings Diary… Another month rolls on, I saved some money and the world inched forwards.  Well, maybe it inched backwards following the Brexit result.  Sad times indeed, but as The Escape Artist points out the world continues and it’s not the coming of the Fourth Reich. Indeed, it seemed to have a positive impact on many people’s NetWorth, if we… Read more »

Why Series: Why Invest?

Why Invest? To protect against inflation.

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 »