Monthly Archives: December 2015

The Finance Zombie’s Absolutely Smashing 2016 Goals

After rounding up my 2015 goals, it’s time to set some brand spanking new ones for 2016.  They should be achievable, simple and challenging, or my sporadic mind will begin to wander.Goal 1 – Savings rateWe have more control over our savings rates than our Networth, try as I might the market won’t listen to my meditation, chanting and sacrificing… Read more »

How stable does your Financial Independence bridge need to be?

After posting some thoughts on what my (or your) allocation should be between an ISA and a Pension there was bunch of constructive and thoughtful comments.  They kept me wondering about this Bridge to Financial Independence. While passers by were checking out a good looking lady or guy, while colleagues were discussing the latest sports results or while people were… Read more »

November Update : NetWorth and Savings Rate

Well howdy doody. The start of an uncharacteristically warm December week brings another Net Worth update.  I hope you’ve all been fighting stoically against the marketers and advertisers that are trying to spin you into a Christmas spending frenzy.  Frugality armour polished and at the ready, a wry nod towards the advertisers efforts, but it’s not working.  Not on YOU…. Read more »

SWR 4%: An ongoing thought experiment – November Update

Ohhhh yeah, roll on the weekend.  And what better way to start than with thinking about a fake portfolio.    The standard recap Back to the beginning.  We are now eleven months into the experiment where Mr Z in Parallel Universe Number 1 pulled the trigger on early retirement.  This is a completely fictitious portfolio and just a little experiment, hopefully giving some insight… Read more »