I’m just coming to the end of a very busy holiday season and two weeks off and I can’t believe I’m only now getting round to writing here. Although seeing family and friends with plenty of food and drink is fun, I’m at that deflated stage where I’m starting to want to be more healthy and get back to some semblance of a routine!
Christmas wasn’t the usual huge expense. We dialled back on presents only buying jointly for our two nieces and two nephews and then doing a Secret Santa for siblings and in-laws. I then really only bought two presents – a trip to Rome for my boyfriend at just over £300 (but I get to enjoy that present too!) and a portrait of my nan who passed away in the summer for my mum and dad at £120. The other big expense for the month was my annual fee as a member of the Institute of Chartered Accountants in England & Wales (ICAEW) but I will be able to claim that back once I’m in the office again.
In terms of my net worth, I feel like I ended the year pretty strongly despite market volatility. My assets increased slightly to £408k and my liabilities decreased slightly to £186k giving me a net worth of £240k an increase of 1% compared to November 2018. My liquid assets are increasing nicely and I’ve easily sailed past the £10k mark which I’m really proud of bearing in mind that 12 months ago I had less than £2k in cash!
I’ll be posting about my goals for 2019, financial and otherwise, soon – particularly because one of these is to post here at least once a fortnight! I hope you all had a lovely holiday season and feel refreshed for the New Year and new challenges! I’m looking forward to reading everyone’s end of year posts.