Author Archives: Mr Zombie

Savings Diary: August 2017 Update – Volatile

Blimey, it’s been over two weeks since my last post.  I’ve drafted about 6 posts, finished none and posted none.  Oh well, among all that inefficiency I have carried on my weekly habit of updating a spreadsheet that tracks my spending and NetWorth. <Repetition Alert> The most important of these goals is my savings rate. For the last couple of years I’ve… Read more »

Safe Withdrawal Rate Experiment – Month 32 – July 2017

<Standard Introduction> So I’ve been running an experimental portfolio for, blimey, two and a half years now.  The idea was to start with a fund of £625k and then withdraw 4% annually, in monthly instalments, just to see what happens.  The would give someone £25,000 a year to live off. Historic investigations concluded that a 4% withdrawal rate gives a reasonable… Read more »

Forons

Mr Zombie   July 31, 2017   21 Comments on Forons

The financial side of my brain has been programmed over the last few years to make quick and beneficiary financial decisions (at least in the sense that they aid my quest for financial independence). Sure, there are some circumstances that require deeper thought, a bit of prodding about inside my grey matter,to come up with a sound decision.  But for… Read more »

Safe Withdrawal Rate Experiment – Month 31 – June 2017

<Introduction> So I’ve been running an experimental portfolio for, blimey, nearly two and a half years now.  The idea was to start with a fund of £625k and then withdraw 4% annually, in monthly instalments, just to see what happens.  The would give someone £25,000 a year to live off. Historic investigations concluded that a 4% withdrawal rate gives a reasonable… Read more »

Savings Diary: June 2017 Update – What a Cracker

I managed to squeeze in a couple of weeks off work last month.  Most of it was spent at home, fixing up some old reclaimed Victorian doors and hanging them, playing video games and just relaxing.  An introduction to Financial Independence. At the time of starting to write this is, it’s been less than a week since returning to and… Read more »

A Rough Life

Mr Zombie   June 20, 2017   11 Comments on A Rough Life

He is awoken from slumber by a repetitive beeping.  Rolling over, he silences the alarm for exactly ten minutes.  He’s tired. 10 peaceful minutes pass, then he climbs out from a warm cocoon made of blanket and mattress to an indoor atmosphere, perfectly heated to a cosy 21 degrees celsius.  Swings his bare feet onto plush carpet and yawns.  Another… Read more »

Safe Withdrawal Rate Experiment – Month 30 – June 2017

So I’ve been running an experimental portfolio for, blimey, nearly two and a half years now.  The idea was to start with a fund of £625k and then withdraw 4% annually, in monthly instalments, just to see what happens.  The would give someone £25,000 a year to live off. Historic investigations concluded that a 4% withdrawal rate gives a reasonable chance… Read more »