Author Topic: Happy New Year everyone  (Read 950 times)

Distant dreamer

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Happy New Year everyone
« on: January 01, 2019, 04:55:38 AM »
HNY folks! Hereís to all your 2019 planned adventures.

I was wondering if we should do a mini 2019 goals thread for us UKers to keep us on track?

I have all the standard ones....get fit, recover from my injury, be healthy, look after myself mentally after what has been a very difficult year plus....pay off the mortgage, save £25k, and take a very non MMM trip to Asia.

I reckon that should do it for now.

never give up

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Re: Happy New Year everyone
« Reply #1 on: January 01, 2019, 09:26:22 AM »
Happy New Year Distant dreamer! I like all of your goals. To pay off the mortgage and save £25k sounds most impressive. Good luck with them all.

Iím still compiling mine but I will provide an update on them when I know myself. Iíve had a NYD buried in spreadsheets!

Distant dreamer

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Re: Happy New Year everyone
« Reply #2 on: January 01, 2019, 09:46:20 AM »
Yep, not sure how feasible it is given both of us are standard rate tax payers and donít earn heaps but Iím going for some stretch goals : )

I done my 6 monthly finances yesterday with lots of pretty coloured graphs. Not really sure what they tell me but......they look pretty.

Manchester

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Re: Happy New Year everyone
« Reply #3 on: January 02, 2019, 03:28:51 AM »
I'm hoping to get past £25k N/W this year.  Which is a bit of a stretch on what I earn, but I have plans in place. :)

Distant dreamer

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Re: Happy New Year everyone
« Reply #4 on: January 02, 2019, 03:57:22 AM »
I'm hoping to get past £25k N/W this year.  Which is a bit of a stretch on what I earn, but I have plans in place. :)

Good luck Manchester! I think itís always good to push. How does the saying go....if you reach for a star you may not get one. But you wonít come up with a handful of mud either.

PhilB

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Re: Happy New Year everyone
« Reply #5 on: January 02, 2019, 05:02:45 AM »
As a 2018 FIREee my goals for 2019 are basically not to freak out too much if and when the market slide continues.  More generally, after years of planning for the future I need to accomplish the transition to living much more in the moment and enjoying the freedom I worked for.
Good luck to all of you whatever stage of the journey to FIRE you have reached - may 2019 move you all further down the road to freedom.

cerat0n1a

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Re: Happy New Year everyone
« Reply #6 on: January 03, 2019, 02:16:10 AM »
Happy New Year everyone.

Just back from spending a couple of weeks off-grid in Skye (really beautiful place, but a lot of us tourists even in late December...) Still adjusting to this RE thing, particularly with regards to being at home with my wife in the day time, and being able to meet up with friends during the day.

My goals for the next 3 months include completing the first draft of a book I'm writing, to make something from the large pile of hazel coppice I've cut from the garden (probably a bench...) and to ramp up my running mileage with the aim of running the Hebridean Way once the days get a bit longer.

UK Dancer

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Re: Happy New Year everyone
« Reply #7 on: January 03, 2019, 05:32:51 AM »
Snap, Ceratonia! New year on Arran for us, similarly off-grid and actually remarkably few visitors, it was beautiful!

cerat0n1a

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Re: Happy New Year everyone
« Reply #8 on: January 03, 2019, 06:27:24 AM »
I keep making half-hearted plans to run the Mull of Kintyre half marathon (every May) and to go there via Arran, but once again, not this year.

MarcherLady

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Re: Happy New Year everyone
« Reply #9 on: January 05, 2019, 08:31:12 AM »
Hi everyone, sorry, late to the party.  My goals this year are more about life-stuff than money stuff:
  • Sell my house and move 'oop North
  • Buy a house (we're probably going to rent first due to a fear of building a chain of sales during Peak Brexit (although Nadir Brexit might be a better term)
  • Achieve 1 and 2 while remaining married.
  • Don't say 'oop North to any of my new neighbours. EVER. (I am the Southernest of Southeners)
  • Get a new job and retain my mental health.
  • I'm also thinking that hubs and I have got rather complacent and need to <<!Face!Punch!>> ourselves into being more mustacian, but I feel like goals 1-5 might be more than a stretch so, we'll see.

TacheTastic

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Re: Happy New Year everyone
« Reply #10 on: January 06, 2019, 09:07:49 AM »
Happy New Year everyone!

My goals for this year are mostly non-financial, but the whole year has a long-term financial goal.

1 - Finish my degree (aiming for a 1st for pure vanity reasons).
2 - Take a really amazing graduation holiday.
3 - Continue to save my student loan installments.
4 - Get a full time job and then move close enough to have the smallest possible commute.
5 - Continue to see how my (relatively new) relationship pans out.

2019 holds a lot of changes for me and I am really excited.

shelivesthedream

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Re: Happy New Year everyone
« Reply #11 on: January 07, 2019, 02:56:51 AM »
1. Stay married
2. Ensure BabySLTD feels loved and cherished.
3. Become more physically robust.
4. Keep the house cleaner.
5. Come up with A Plan for our next move in June 2020.
6. Make some money (and save it, obviously!)

Zola.

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Re: Happy New Year everyone
« Reply #12 on: January 07, 2019, 04:49:38 AM »
Happy new year all!

SLTD has similar goals to mine, I just tweaked them a bit!

1. Stay married
2. Ensure BabyZola feels loved and cherished.
3. Get stronger in the gym, add 15-20lbs of new muscle
4. Keep the house cleaner.
6. Make some money (and save it, obviously!)
7. Develop career further




frugledoc

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Re: Happy New Year everyone
« Reply #13 on: January 07, 2019, 10:09:41 AM »
1) work less
2) take most fridayís off

Squelchy

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Re: Happy New Year everyone
« Reply #14 on: January 08, 2019, 08:49:48 AM »
Happy New Year!
1. Finish our first tax year of putting income, expenditure and investment into a proper spreadsheet.
2. Keep expenditure below the 2017-2018 levels in 2018-2019. A specific target for investment is harder as my main contract comes to an end before then, but we aim to automate it so we are left with only as much as we need for spending.
3. Find a replacement job without compromising anyone's wellbeing (which, given childcare issues and the fact that I work in a field with very high dropout/divorce/suicide/alcoholism/depression rates probably means part time).
4. Grow or forage at least a third of our own fruit, and grow at least five types of vegetable.
5. Exercise at least twice a week.
6. Buy nothing new for myself this year, except necessary materials to help me finish projects using up my fabric and yarn stash.
7. Take advantage of having more time to carry out various works around house to solve condensation issue, upgrade poor insulation and create a viable space to work from home in preparation for being busier next year.

Distant dreamer

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Re: Happy New Year everyone
« Reply #15 on: February 02, 2019, 07:21:04 AM »
HNY folks! Hereís to all your 2019 planned adventures.

I was wondering if we should do a mini 2019 goals thread for us UKers to keep us on track?

I have all the standard ones....get fit, recover from my injury, be healthy, look after myself mentally after what has been a very difficult year plus....pay off the mortgage, save £25k, and take a very non MMM trip to Asia.

I reckon that should do it for now.

Iím checking in for an update. As of today we are mortgage free wooohoooo! The rest is all still on hold as Iím still off work and broken but Iím trying very hard to not let that put a dampener on an otherwise awesome day! Oh, and the sun is shinning.


never give up

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Re: Happy New Year everyone
« Reply #16 on: February 02, 2019, 07:25:00 AM »
Congratulations Distant dreamer thatís an amazing accomplishment. Very well done. Your cash flow will improve significantly and youíre certainly entering a new financial phase now on your route to FIRE. I hope you recover fully soon.

Distant dreamer

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Re: Happy New Year everyone
« Reply #17 on: February 03, 2019, 05:06:59 AM »
Thanks NGU. It does feel rather good. We ploughed money in to it in the past so will certainly have more cash now than I think we ever have had.

MarcherLady

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Re: Happy New Year everyone
« Reply #18 on: February 03, 2019, 05:30:14 AM »
Congratulations, it's a great feeling isn't it?

shelivesthedream

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Re: Happy New Year everyone
« Reply #19 on: February 03, 2019, 07:01:09 AM »
Great job, Distant dreamer! Nice to tick one off so early!

Distant dreamer

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Re: Happy New Year everyone
« Reply #20 on: February 03, 2019, 07:24:23 AM »
Congratulations, it's a great feeling isn't it?

It hasnít quite sunk in yet tbh, and Iím not sure it will until I get to keep my next wages at the end of the month. For the last couple of years my entire salary save for about £30 each month has gone to it so it is sure going to be different.

UK Dancer

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Re: Happy New Year everyone
« Reply #21 on: February 04, 2019, 05:10:00 AM »
Massive congrats distant dreamer, I dream of that day, probably still 5 or 6 years away though...

PhilB

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Re: Happy New Year everyone
« Reply #22 on: February 04, 2019, 03:33:14 PM »
Shhh!  Someone will tell you off for paying of your mortgage rather than investing the surplus cash and beat you to death with maths!

robartsd

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Re: Happy New Year everyone
« Reply #23 on: February 04, 2019, 04:34:28 PM »
Shhh!  Someone will tell you off for paying of your mortgage rather than investing the surplus cash and beat you to death with maths!
No doubt an American who assumes 30 year fixed rate mortgages exist everywhere in the world.

Distant dreamer

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Re: Happy New Year everyone
« Reply #24 on: February 05, 2019, 08:55:05 AM »
Shhh!  Someone will tell you off for paying of your mortgage rather than investing the surplus cash and beat you to death with maths!

Oh Iím sure there are plenty but we thought about it long and hard and are happier with it gone. Once you get to the 20k mark itís surprising how few lenders will touch you and ending up on variable rates of 4.5%. At that point investing vs not lining the pockets of bankers seemed an easier choice to make.