The Crossover Point

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  • Zola.
    Zola. Posts: 2,204 Forumite
    First Anniversary Photogenic Name Dropper First Post
    Here we are in November...
    My wife has now finished work as we wait on the baby, I feel a little bit of nervousness now I have to say..!


    November update:


    S&S ISAs vs Mortgage Debt: 74.67% (+5.09%)    

    All Investments & Cash Vs Mortgage Debt: 104.98% (+8.61%)  

    Currently Mortgage Neutral!  :smile:  


    I plan to break this out a bit more going forward to track other metrics, such as my Bitcoin hedge. I anticipate this area will be a real rollercoaster, given Bitcoin's volatility. However, I have at least a five-year plan with it and I do plan to buy up the inevitable crashes, and less so at market tops. I am almost a year into investing in this space and have already seen a 50% haircut, but it has also surged back and I am up 40% for the year as of now. I think the end of the bull cycle could be around the corner, (which usually brings a two or three-year bear cycle with a massive crash), despite that,  I don't want to sell any now, as the threat of missing a rocket is always there as well. 

    Index investing will always be my main priority and key monthly funding, along with a minor bit of active investing and of course mortgage overpayments. 


    Bitcoin vs Mortgage 18.33%
    ISAs vs Mortgage 74.67%
    ISAs & Cash Vs Mortgage 86.62%
    ISAs & Bitcoin vs Mortgage 93.00%
    ISAs, Bitcoin & Cash vs Mortgage 104.98%
  • Zola.
    Zola. Posts: 2,204 Forumite
    First Anniversary Photogenic Name Dropper First Post
    edited 14 December 2021 at 11:40AM
    Almost Christmas time :)
    Delighted to say our second child was born last week, a baby girl. Everyone is safe and well. Back to broken sleep for a while!! 

    I need to make one or two medium-large purchases in the new year, so a couple of weeks back I took some Bitcoin chips off the table (sold roughly 1/3 of my stack), and it's sitting in cash.  I made a good profit on this so I am happy with the timing, as the price has dropped considerably further since I sold. I do plan to go back to drip-feeding my bitcoin stack more slowly again, especially when the prices are lower and many are feeling bearish. Bitcoin now only makes up about 5% of my investments. 


    December Update:

    Bitcoin vs Mortgage     9.70%   (-8.63%)
    ISAs vs Mortgage     76.23% (+1.56%)
    ISAs & Cash Vs Mortgage     92.38% (+5.76%)
    ISAs & Bitcoin vs Mortgage     85.93% (-7.07%)
    ISAs, Bitcoin & Cash vs Mortgage     102.08% (-2.9%)





  • Jessy103
    Jessy103 Posts: 1,824 Forumite
    First Anniversary First Post Name Dropper Photogenic
    Congratulations!!! Best wishes to you and the family x
    Mortgage Balance as of Jan 24 £36,500 Starting Mortgage Balance (June 2019) £72,000. 2024 Overpayment Challenge: Jan £558.40, Feb £588.11, Mar £497.32
  • Zola.
    Zola. Posts: 2,204 Forumite
    First Anniversary Photogenic Name Dropper First Post
    Thanks @Jessy103 :)
  • savingholmes
    savingholmes Posts: 27,345 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Congratulations on your new addition to the family ❤️
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26%
    2) Spend on handyman & external building works & new patio door £11.9K
    3) CC £3.9K on 0% spends card but offset by £34.1K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value @15/4
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • Zola.
    Zola. Posts: 2,204 Forumite
    First Anniversary Photogenic Name Dropper First Post
    edited 13 January 2022 at 1:10PM
    2021 Review
    • Closed out the year with a total savings rate of 49.97%
    • 'FIRE' number grew closer from 17% to 30%
    • Added about £80k to investments (boosted by a 25k inheritance)
    • Mortgage down from £101,000 to £93,000
    • Got a new job with a 40% pay increase
    • Gained a beautiful daughter!
    I don't imagine next years review will be as strong as my wife is on maternity until September and so the earnings will drop considerably for the year... we will also be hammered with double nursery fees when she goes back to work, good Lord! All well at home, but we think that is definitely us done on the kids front. One of each is plenty :)

    January Update

    Bitcoin vs Mortgage9.95%.    (-0.25%)
    ISAs vs Mortgage76.28%.   (+0.05%)
    ISAs & Cash Vs Mortgage91.37%.   (-1.01%)
    ISAs & Bitcoin vs Mortgage86.23%.   (+0.3%)
    ISAs, Bitcoin & Cash vs Mortgage101.32%.  (-0.76%)
  • savingholmes
    savingholmes Posts: 27,345 Forumite
    Name Dropper First Anniversary Photogenic First Post
    That is huge progress. Congratulations. 
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26%
    2) Spend on handyman & external building works & new patio door £11.9K
    3) CC £3.9K on 0% spends card but offset by £34.1K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value @15/4
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • Zola.
    Zola. Posts: 2,204 Forumite
    First Anniversary Photogenic Name Dropper First Post
    Thanks @savingholmes ! :)
  • Zola.
    Zola. Posts: 2,204 Forumite
    First Anniversary Photogenic Name Dropper First Post
    edited 14 February 2022 at 10:58AM
    I am glad to see mid February now, mornings and evenings starting to get a little brighter. 
    January flew by, despite being relatively uneventful. My wife and baby daughter have now both caught covid, but managing well, mostly head cold symptoms. My son and I are testing negative still. 

    Paydays from the end of February and beyond are down to me and stat maternity pay for my wife until the end of September (less than £500 for stat pay).. which will be a little shock to the system... I will have to tighten a few things up with groceries and takeaways to try and keep the current account healthy, whilst maintaining the investments and life enjoyment..

    My son is dropping down to 3 days in nursery from next month, which will save us a few hundred a month and will help a bit.

    The stock market continues to be a bit jittery, but it could be worse.

    February Update

    Bitcoin vs Mortgage11.19%.    (+1.24%)
    ISAs vs Mortgage76.57%.    (+0.29%)
    ISAs & Cash Vs Mortgage91.23%.    (-0.14%)
    ISAs & Bitcoin vs Mortgage87.76%.    (+1.53%)
    ISAs, Bitcoin & Cash vs Mortgage102.43%.  (+1.11%)
  • Zola.
    Zola. Posts: 2,204 Forumite
    First Anniversary Photogenic Name Dropper First Post
    edited 14 March 2022 at 5:21PM
    And here is March
    A depressing couple of weeks with the war in Ukraine.. The world feels extremely fragile right now and the TV has been pretty grim. I was glued to the news for the first week, quite shocked that the war actually kicked off. I had to disengage from it and now I only glance at headlines once a day, as its all too depressing. 

    This month and next month will be quite expensive months I imagine, one international flight with work and one European one for a stag do! 

    Quite a few larger house expenses this month and the numbers have taken a bit of a hit all round. Such is life! Normal drip feed investing to vanguard etc as per usual. 

    On the upside I got a 5% pay rise, and a lot more RSU stock units from work. These are tied in for 4 years but drip feed out in parts once a quarter and can make a real difference to the pay packet. I plan to use this money for ISA investing mainly..


    March Update

    Bitcoin vs Mortgage11.92% (+0.73%)
    ISAs vs Mortgage74.45% (-2.12%)
    ISAs & Cash Vs Mortgage87.03% (-4.2%)
    ISAs & Bitcoin vs Mortgage86.37% (-1.39%)
    ISAs, Bitcoin & Cash vs Mortgage.    98.95% (-3.48%)
     
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