It's time to start digging up those Squirrelled Nuts!!!!

Sea_Shell

fred246 said:

I'm married. Spending isn't something I have much control over so it's not worth me bothering analysing it.

My husband is a lucky man !!!

michaels

So in my annual spend I include imputed amounts for things like car depreciation, household maintenance which may be above or below actual spend, and even accrue for things like new kitchen/bathroom etc.

garmeg

fred246 said:

I'm married. Spending isn't something I have much control over so it's not worth me bothering analysing it.

Perhaps you should enlist the assistance of an IFA.

cfw1994

Sea_Shell said:

fred246 said:

I'm married. Spending isn't something I have much control over so it's not worth me bothering analysing it.

My husband is a lucky man !!!

I trust you remind him regularly of this fact   
I’m the one who can fritter money in our household....I will need to reign that in next year, once I give up the day job!!
Have a nice socially private NYE party, all.....we’re going with a raclette for a change....pretend we’re on the slopes somewhere nice!

Sea_Shell

michaels said:

So in my annual spend I include imputed amounts for things like car depreciation, household maintenance which may be above or below actual spend, and even accrue for things like new kitchen/bathroom etc.

We haven't specifically budgeted for those things, but they are always in the back of our minds.   

We've already accrued c.£7,500 of "carry over" from the last 2 years, in effect.

We would count them in the spends though, once spent.

As it appears we could easily start spending £20,000 a year, then I think we're well in on being able to accommodate those things, as and when they arise.

Sea_Shell

Well, we've updated all the financial figures and closed off for 2020.

Current pot total....£597,660.

That's an overall annual growth rate of 8.3% gross (6.28% net of spends)

DC Pensions - £345,014
S&S ISAs - £169,188
Fixed term cash - £59,237
Available (net of cc) cash - £24,220

garmeg

Sea_Shell said:

Well, we've updated all the financial figures and closed off for 2020.

Current pot total....£597,660.

That's an overall annual growth rate of 8.3% gross (6.28% net of spends)

DC Pensions - £345,014
S&S ISAs - £169,188
Fixed term cash - £59,237
Available (net of cc) cash - £24,220

Bit premature - the markets are still open (until noon I think) and any funds / unit trusts will still be using yesterday's pricing.

cfw1994

garmeg said:

Sea_Shell said:

Well, we've updated all the financial figures and closed off for 2020.
Current pot total....£597,660.
That's an overall annual growth rate of 8.3% gross (6.28% net of spends)
DC Pensions - £345,014
S&S ISAs - £169,188
Fixed term cash - £59,237
Available (net of cc) cash - £24,220

Bit premature - the markets are still open (until noon I think) and any funds / unit trusts will still be using yesterday's pricing.

Heh heh!
For years I have done a quarterly check from 5th April (tax year)....next check in 6 days.....

garmeg

cfw1994 said:

garmeg said:

Sea_Shell said:

Well, we've updated all the financial figures and closed off for 2020.
Current pot total....£597,660.
That's an overall annual growth rate of 8.3% gross (6.28% net of spends)
DC Pensions - £345,014
S&S ISAs - £169,188
Fixed term cash - £59,237
Available (net of cc) cash - £24,220

Bit premature - the markets are still open (until noon I think) and any funds / unit trusts will still be using yesterday's pricing.

Heh heh!
For years I have done a quarterly check from 5th April (tax year)....next check in 6 days.....

I will be doing it tomorrow when today's closing prices are in.

I don't think I am going to like what I see.

fred246

garmeg said:

fred246 said:

I'm married. Spending isn't something I have much control over so it's not worth me bothering analysing it.

Perhaps you should enlist the assistance of an IFA.

I am intrigued as to how an IFA can control my wife's spending. Do they have a dungeon where they keep people who refuse to pay their fees?