Summer 2021 Update – Freedom & Self Isolation, Crypto Punt & More

Hey everyone. Hope you are all doing well as we now start to emerge into so called Freedom in the UK or England at least. It’s certainly a good time now for me to give you an update on what I have been up to the last couple of months 😀 from fun away and isolation 😮, to some crypto FOMO…

Let’s start with a good old summary review of my finances.

Finance Review

Financial Update – End of July

The below figures are taken from 25th July.

  • Monthly investment (May 21 to July 21) – £1500 each month 
  • Savings rate (May 21 – July 21)– 55% average each month
  • Investment portfolio – £220,351.52
  • Cash is king fund – £6500
  • Crypto Punt – £2005
  • Emergency fund – £1151.64
  • Big expenses / holiday fund – £1331.16

Total Liquid Funds = £231,334.32

My finances are still moving nicely in the right direction. I have maintained my £1500 monthly investments whilst still spending a good amount of money on living life well, which is the most important balance I focus trying to maintain – living for both now and the future. 

I still feel that now my portfolio is over £225k and is often above £230k. It feels so close to a quarter of a million that I often now tell myself when focusing on gratitude for what I have, that I have a quarter of a million in liquid investments as it’s so close to that now. It feels great psychologically as I don’t think it would feel that much different now at all even if I were to hit it exactly.

For those eagle eyed out there that have noticed a crypto financial figure in these numbers, I will now discuss this with a tail between my legs so to speak 😅…

Crypto Punt

What can I say? I’m now a billionaire! I didn’t think it would ever happen if I am honest but I now have over a billion….magic coins. Yes that’s right, I hope you are envious of this fact. I finally succumb even myself to FOMO and got involved in crypto.

I really don’t like crypto if I am honest, I have talked about it before on this blog. I certainly don’t believe in it long term, I don’t think it’s better than fiat currency as I think there’s so many negatives around it which I won’t go into now. Needless to say, I am not a fan. I have however been following crypto for a long time on and off and I have to be honest, there’s been lots of shadenfreude when it’s been tanking and then slight annoyance when it’s been rising.

A couple months ago I had the chance to invest in DOGE when it was 0.04cents and I was tempted on a few separate occasions to take a punt but decided against it in the end. I did partially regret missing this afterwards but when this was combined with the massive cryptomarket bull where Bitcoin reached $60k, an epic FOMO storm was created within me when the possible next DOGE was put forward, I won’t name it for now… I didn’t want to miss out on another opportunity, I felt the need to scratch the itch I’ve had with cryptocurrency and having read somewhere where it was suggested sin simple terms – would you be more annoyed having not taken a punt with an amount you can afford to lose versus annoyed with missing the chance of a large gain. I thought yeah why not, take a punt with less than 1% of your portfolio that would then still give you a nice risk reward ratio but would not change your life in anyway were you to lose it all. I would then have a small bit of skin in the game as it were and maybe this was the best compromise for me. I wanted to ride the wave of hype and collective FOMO and be able to get off before it came crashing down, easier done than said yeh?

Well fast forward to now, I got in about 3 days before crypto went on a downward spiral to where it is now. Superb timing no doubt on my part. I am now 43% down but I will not sell because of course I would risk missing out on a future rise which is certainly possible and that would be too annoying plus in a strange way it’s been pretty exciting along the way I have to admit. I did the old thing of checking the balance daily, reading Reddit, watching YouTube videos etc to now having graduated to only having some price alerts set on my phone and checking once a week or so manually. Will I lose it all or will it 10x, 100x? Who knows. All I can say is to people who have done similar to this, see you on the ******* Moon! – A cold desolate wasteland that doesn’t support life and that costs a lot of money to get to.

Liverpool weekend trip

Me and my partner really love going to Liverpool and we now almost make it a legal yearly requirement to at least go twice. We like to go once in the spring/summer and once in November/December for the Christmas winter market. I originally had booked Liverpool when Boris announced when Phase 4 freedoms would come into effect so if there hadn’t been a month delay (which I fully support) we would have been there during minimal to no restrictions and at a time what I thought would be with very low COVID numbers like last summer especially now that we have so many vaccinated, I certainly was wrong on that one!

We really had a great time as to be fair since the restrictions loosened on May 17th in England and you could once again go in doors in pubs/museums and restaurants etc, things felt normal enough minus the lack of being able to dance perhaps. We did lots of walking, shopping around, drinking & eating and saw some live music once again which was lovely.

Self Isolation 

We had a great time in Liverpool but it did come at a cost. After being home for 3 days we both got a message from the NHS app saying to isolate as we had come into contact with someone who went onto get COVID on the Sunday whilst away. This could have been from when we were queuing to get into a few pubs on the Saturday night (technically Sunday early hours) or maybe the train journey on the way back but who knows for sure. Up until this time, we had only had to isolate for one day previously when waiting for a test result of another member of the household but this time around we would need to isolate for 6 full days. 

I went back home to my house to reduce the risk in case I had got COVID but she hadn’t as I didn’t want to affect anyone else. I must say this was very strange at first to be truly under house arrest fully on my own, well I did have my cat but he isn’t the most talkative to be fair. I quickly ordered in some food shopping and a friend dropped a few odd bits around and then it was just me on my lonesome. 

This self isolation was to be put to good use though. I finally had absolutely no excuse to declutter my home once again and this time more thoroughly than I had ever done before. I planned to go through every draw, every wardrobe and all cupboards. I wanted to act as though I was moving home and even made up some cardboard moving boxes where I would put valuables of my own that were sentimental, a box for my late moms sentimental items and also boxes of other things that I would not be leaving in their final home so to speak. Everything else was to be put in my garage ready to be taken to the tip! This was the clean out of all clean outs. 

I am thrilled to report that I fully succeeded in this. It was a very mixed experience as I found many things from my childhood, many things belonging to my mother such as diary’s, pictures I had never seen, things she had kept from her youth and valentines cards my dad had sent to her, cards that I had wrote to her when I was very very young. It was half upsetting, half fascinating but was so rewarding. I felt a huge weight had lifted as I had been needing to do it for such a long time but would always find it hard to start. It was very heart warming to see my mother as being a teenager, a young woman in love and someone now my age. I found the whole thing put me in a deep reflective mood that lasted a good few days. I am so so grateful for the self isolation as strange as that sounds as it finally allowed me to get this done.

Otherwise during this isolation, my work carried on as normal as I could of course do this from home. I had to cook more for myself that I’ve been used to in the last year which was interesting too, I felt like a student again- beans on toast 🤣. I also got to play a little bit more of my PlayStation 5 so it can’t be bad can it…and most importantly, neither of us actually had COVID in the end.

Manchester weekend trip

When I booked the Liverpool trip a couple months previously, I also booked a weekend away in Manchester 2 weeks after Liverpool. Thankfully, our isolation ended before this so we could still go. We had only been once before on a day trip and we wanted to give it a proper visit by staying overnight and for a whole weekend. 

I must say, we really enjoyed it far more than we thought we would. The night life was really good and we went to an Irish bar and saw some quality live music, there was loads to do around Piccadilly gardens and with the tram so close to our hotel, Wetherspoons so close and the train station – it was all so effortless. Apart from just drinking and eating, we went to the Manchester museum and the saw that lovely T-Rex fellow in the picture who was called Stan. We also really liked the amount of shops and especially liked the Arndale centre. My only regret is not arranging to meet up with weenie who I have no doubt wasn’t all that far away ☺️. This time around, we did not get any pings to isolate when we got home thankfully.

Freedom and Dancing

So as I write this it’s almost been a week since freedom day in England. This of course has been fear day in equal measure for many people. My own thoughts on this is that I do get the argument of ‘If not now, then when?’ And that it would be worse if we did this going into the winter but I just think personally that we should have still mandated masks in supermarkets, public transport and public buildings and perhaps still limited very large events to reduced capacities. I think this would of been very important psychologically at the least in making people not forget that we are not through this yet and also to help make many people feel safer and to still reduce some risks to people no doubt without much inconvenience felt.

I could not resist however myself going out on the freedom Friday to Birmingham so that we could finally get to have a dance and some normality if just for a few hours. We stopped over night and danced for almost 3 hours straight in a cocktail bar. It was absolutely brilliant but did feel a bit strange and perhaps invoked some nervousness or Feelings of – is it right to do this? We wore masks on the trains and in other pubs until we got to the table but in the dance club, it wasn’t practical to wear masks whilst dancing so we had a few hours where it felt again like 2019. We won’t be doing it again for a while but it was great and thankfully no pings yet and for now our lateral flow tests are negative still!

Work

There really is no change on the work front. The rules haven’t changed for the NHS which I think is the right thing so we still have to have the 2 metre rule and masks whilst in the office. I still go into work on a rota 2 or 3 times max a week which continues to be a great balance.

I am very conscious now though for our hospital that the next couple of months may be very delicate and difficult for our staff. With the numbers rising and expecting to rise higher and higher we will see more patients hit our hospital which we are already seeing now. I can only hope the gamble pays off and we manage to cope until we reach the peak and then it gets better from then. Here’s to hoping for all our sakes!

Well, I hope you have enjoyed reading my update, let me know your thoughts and what you have been up to, Any dancing or is it just me that’s a bit mad?

TFJ

April FY End Update – Finance, Spending Review & More

Hey everyone. Hope you are all doing well and that you are starting to slowly but safely enjoy more freedoms now we are coming out of a full lockdown. Have fun irreversibly raising that pint just as Boris has…

What follows is a post that is rather finance review focussed with this being a FY End update post and all. As always though I will provide a personal and work update too. Let’s start with reviewing my current finances at the end of FY 20/21.

Financial Year End 2020/21 Review

Well, this has been the year of COVID and due to this, there was a huge crash followed by a huge rally. I lost £27,000 at one point which really did test my nerve in this game of FI. I passed the test for sure as I didn’t sell and I kept on investing as per normal. I am very very pleased that I did.

Financial Update – April FY End 2021

The below figures are taken from 25th April.

  • Monthly investment (Jan 21 to Apr 21) – £1500 each month 
  • Savings rate (Jan 21 – Apr 21)– 55% each month
  • Investment portfolio – £206,975.18
  • Cash is king fund – £10,000
  • Emergency fund – £1002.89
  • Big expenses / holiday fund – £2448.62

Total Liquid Funds = £220,426.69

Price difference from Predicted to Actual Finances (Late Dec 20 to April 21 = -£3.28

As I track my expenses to the penny, when it comes to reviewing my finances more in depth twice yearly at FY and Calendar Year Ends, I do a check to see how accurate my predicted finance portfolio is compared to reality. There is always a chance I have missed the odd coffee, gift or any random expense or of course simply have added things up wrong.

It turns out that I was only £3.28 down which I am happy with. It was actually £4.28 at first but then I found a pound coin when I was cleaning out my car 😀. I won’t fret over this loss that’s for sure.

FY End 2020 to FY End 2021 Comparison:

End of FY End 2020 = £169,347.41
End of FY End 2021 = £220,426.69

Increase = £51,079.28

Calendar year End 2020 to FY YE 2021 Comparison:

End of 2020 Calendar Year = £210,056.25
End of FY End 2021 = £220,426.69

Increase = £10,370.44

I am absolutely thrilled my Portfolio is as high as it is. It feels so close to that quarter of a million Base FI target of mine that I can almost taste it…and it tastes darn good. The £51k large increase year to year is partly down to the portfolio dropping substantially right at the end of last FY20/21 but still with what’s going on in the world, I am still shocked it’s recovered so well and so fast, surely a crash is coming? Yeah well if there is or isn’t, I can’t pretend to be able to predict such things. I will carry on investing and holding (Diamond hands💎 in a good rational way). 

Spending Review – My expenses 

I thought It would be good to do a mini spending review to show how some of my monthly outgoings have changed from last FY pre COVID to this FY just gone.

Monthly Average Outgoings – Select Categories

A lot of this change in spending makes sense with this last year being the COVID lockdown year. I have spent much less on fuel but perhaps not as less as some as I still have had to go into the office a couple days of the week. I have spent more money on takeaway and alcohol which is the food/drink out category whilst spending less money on going out. Most of the spend for going out was done in the summer to early autumn when things were much better and you could actually in fact legally go out.

I have saved money due to COVID in some categories but because my gift category outgoings has increased a fair bit along with smaller increases in food/drink out and purchases categories, this has resulted in balancing out my spending broadly speaking to be the same from year to year.

Disposable / Non bills monthly spending Average

I thought I would include a chart showing my disposable/non-bills average monthly spend over the last 5 years. You can see how the last 2 years have seen a big jump on the previous three. This is mostly due to me loosening up a bit and spending more money on going away on more weekend trips and just spending more money in general on activities and gifts. This has certainly been money well spent for me and I won’t be changing this any time soon.

Total Expenses monthly spending Average

Building on the last few charts, you can see how the last 2 years have seen an increase in my monthly spendings and how even with COVID happening, my overall expenses have remained pretty much the same. I am starting to confidently now think I have hit a sweet spot in my spending where any question of depriving myself whilst on the journey has certainly been quashed for now.

Post 2235 Project Thinking

In my last few update posts, I have had some musings on Post Project 2235 and this post is no different. I wanted to update you with my latest spreadsheet contents to show my further thinking on this:

I have added extra details on how long it would take me to reach £600k which I consider to be my main FIRE number whilst also adding rockstar levels of £900k and £1,000,000 FIRE 🔥. I have also noted down how much money I would have left for Big expenses spending each year at these amounts. This is on top of £1200 that is reserved for Bills/Disposable income which matches what I spend now which is where I feel comfortable at.

To recap on Post Project 2235, I currently invest £1500 a month and aim to reach £250,000 in Dec 2022 (formally known as Project 2235). After this time, I now intend to lower my investing from between £500 to £750 so that I can have my Big expenses fund topped up so I can live well along the journey. I want to fully enjoy the next 14 years so there has to be some extra money which I will also put towards doing my house up inside as well as for annual holidays and buying the odd iPad Pro etc. 

I have previously used matched betting winnings to secure this big expenses income but I have no interest in that anymore and unless there is a very very low risk, low effort way of earning the extra £500 a month then I don’t think I am interested. This also goes for pursuing a new promotion with more stress and pressure or simply getting a second job (technically third as I still have a 2nd semi permanent side hustle). I have to balance the cost of being possibly less happy at work, losing more personal time if I got a third job versus how long extra I will have to work if I invest less each month.

If I invest £500 less each month for example then this will give me £6000 big expenses money each year but will mean instead of hitting £600k at 45 years old and 1 month, I will hit it 1 year and 10 months later at 46 years old and 11 months. Now to be honest, if I can secure £6,000 a year without then needing to get promoted to a job I hate more (likely be management level where I am now) or changing jobs entirely (I really like my current job) then delaying FIRE by nearly 2 years would be worth it if the quality of those 11-12 years was far higher. This is even less of an issue when my plan is to try to work until at least 50 so I can secure a state and public service pension of £24k equivalent (£600k FIRE) as a backup or so I can use my actual £600k FIRE as a bridge into that, it helps me sleep better at night for sure.

With this in mind, if I invested £750 less each month which meant reducing investing by half then I would get £9,000 a year for big expenses which would match my £9,600 post FIRE big expenses amount which would mean I know the money I live on is the same before and after I FIRE, no deprivation at all. I would reach £600k at 48 and then work another 2 years to get my more guaranteed £600k backup FI.

I have not settled on any of this yet, I know so much could change all these plans and I am fully aware of that but it’s really fun to think about none the less 😁…

Personal & Work

And finally, a brief personal and work update. So what have I been doing? Well, things are starting to open up a bit now but really I won’t be going properly out until May 17th when you can go to pubs and restaurants and so many other places in doors. I have visited a few friends out doors but that’s about it, oh I also have been to a shopping retail park.

I have had to delay my Amsterdam trip for the third time now to September as this was planned for May 17th but you can’t currently travel to the Netherlands and with that country likely to be amber rated it’s just not worth it even if we allow travel and they do by then. I had to pay the difference in new airline and hotel rates but it only cost an extra £90 so can’t complain too much.

I have lost 6 pounds in 3 weeks as part of a six week plan to get back to my ideal weight before May 17th. I have done really well with this so far, only Fat Friday exists where I eat more and drink as well but otherwise being I am being very healthy with what I eat and also I am working out daily still at home.

As for work, things are very busy lately and I am still in the office twice a week, sometimes three and then home the other days on a rota. I am still liking this arrangement as I find it’s the perfect balance for me. The hospital is in a much better place right now thankfully, the lockdown and very successful vaccine rollout thus far has changed things so much for the better and we have very few COVID patients now and are resuming normal services.

I would love to hear from you all, let me know what you thought of this post and what you have been up to, any trips to beer gardens?

TFJ

January Update – 2020 Review, Current & Post Project 2235 Plans & More

Hey everyone, I hope everyone is continuing to keep safe and is doing as best as they can, what with it being National Lockdown 3 and all. Here is my January 2021 update! I will start with a quick review of 2020.

2020 – Quick Year Review

COVID – Global Pandemic

I think the year 2020 will certainly be memorable for quite some time for all of us no doubt. It has been a very unique experience and awful time for so many of us all around the world. It’s almost been like something akin to a world war where we are pretty much all affected and life is hindered in numerous ways.

Despite the awful nature of what has and is still happening, from a personal perspective I have so much to be grateful for during this difficult year. The most important thing by far is that none of my immediate family or friends have lost their lives to COVID and I myself have managed to avoid it which no doubt is half through effort and half or more through pure luck. I have even managed to get vaccinated against this along with my partner recently which is a huge relief.

Finances

From a financial perspective, I am still gobsmacked by the size of my portfolio given what’s happening in the world. I was very pleased that after losing well over £30,000 at one point during the initial drop that I held and didn’t panic. It was a great test of my ability to cope with big losses for the first time and I can now say I certainly passed this test. I actually enjoyed investing even more during this time of loss as I felt that in doing so, it would help me turn this around in the future as I was buying more cheap stocks/bonds so to speak. 

When it comes to my savings rate, I invested £1500 as planned every month which equates to 55%. My bills pretty much were as expected overall with some categories and items being increased whilst others decreased to balance it out overall. I have spent much less on fuel and energy for example but more on gifts and eating out/trips away. Overall the year was a huge success financially.

From the start of the calendar year to the end, my money increased as follows:

End of December 2019 = £182,819.97
End of December 2020 = £210,144.59
Increase = £27,324.62

Personal & Work

It’s been a bad year from limitation perspectives and watching the chaos that’s happening to the world but there’s also been many good things too for me in spite of all this. I pretty much moved in with my partner at the start of the original lockdown in March. This has really been good for us both. Since being able to form a bubble, we have now shared stopping at each other’s with her coming to mine for the weekends. This has worked out really well and has made the experience far different than if we were to of been separated for those first few months before bubbles were introduced.

Despite going through a pandemic, I still managed to go to London in February before it fully kicked off and have been to Liverpool, Nottingham and Birmingham for weekends away during the summer when things were much better. I also went out numerous times in the summer to the local pub and restaurants for food, I felt safe due to the low levels of COVID in circulation at the time and with being very careful hygiene wise. That could of no doubt backfired though but it didn’t thankfully.

Having moved in with my partner, I’ve had loads of new experiences and that’s probably the main reason my year has been very good on balance. I have learned to cook curries, bake cakes and create an island with cute animals on Animal Crossing… what’s not to like! Friday’s and Saturdays have been full on treat days with takeaways and/or beers. I have completed some pretty hard Lego sets during this time as well…I also now have baths every few days when I used to only have showers. Life’s been good compared to so many out there. I even managed to have a really nice Christmas and birthday at the end of the year, the day itself felt almost normal really. I had more food and drink than I think I have ever had to be fair…

My work is another area where I feel I have been fortunate. I work for the NHS which of course has been a difficult place to be throughout 2020. It has however meant I can still work and not be furloughed. I have been able to help keep systems working and build improvements to Infrastructure that has helped in our COVID response. This is about as rewarding as it gets. I deeply appreciate that I can work from home a few days a week and don’t need to wear full PPE as staff do on the front line, on the wards themselves. They are the true hero’s and I feel proud to help in supporting them in anyway I can with my role.

I could now focus on the annoyances of 2020 and start listing those things that were not so great. I just feel that everyone can already relate fully to most of those things and that it has been far better to focus on the good that’s come out of the year. 

Finance January 2021 Update

So now back to current affairs. Here is my January finances in review:

Financial Update – Jan 2021

The below figures are taken from 29th January.

  • Monthly investment (Dec 20 to Jan 21) – £1500 each month 
  • Savings rate (Dec 20 – Jan 21)– 55% each month
  • Investment portfolio – £200,435.58 (Woohoo…:D)
  • Cash is king fund – £10,000
  • Emergency fund – £958.07
  • Big expenses / holiday fund – £2154.58

Total Liquid Funds = £213,273.36

I haven’t really spent much money in January to be fair. It didn’t seem like such a long month when compared to previous years as it went so fast for me. The stand out figure in the above is that my purely Investment side of my portfolio has now also surpassed the £200,000 figure. Yay! Still can’t believe that…surely this will go down?

Personal January 2020 Update

Lockdown 3

We have now been in Lockdown 3 for almost a month with probably 1 to 2 months to go I would say. It’s not a sequel anyone really wanted but I think most would agree it was needed for sure. We have, it would seem, managed to just scrape under overwhelming the NHS which is very fortunate indeed.

Life for me has pretty much not changed much since the November lockdown. I still go to work as normal and I still get to come home to my partner at night. I never really went retail shopping but of course I miss being able to meet a friend outside for a walk. I am completely behind the lockdown so I just grit and bear it all really. This time shall pass so to speak. I really believe the summer could be just like last summer if not a little bit better, roll on that! The vaccine rollout so far in the UK is finally something to be really proud of I think. Let’s hope we can hit the ambitious targets of the four main groups by mid February.

Current & Post Project 2235 Plans

Post Project 2235

I have been looking again at Post Project 2235 plans that I discussed in the previous post. Even though this is of course completely changeable, it’s just so fun to look at figures and plan out possibilities as I’m sure many of you can relate to :D. I have added an extra few details to the below that including showing the income I would get and how much fun money I would have at these differing amounts of investments by the age of 50. 

Just to recap. If I achieve £250,000 at the end of Project 2235. I can then look at changing my monthly investment from £1500 to a lesser amount so that I have more big expenses and fun money to spend each year. For the past few years I have been devouring my matched betting profit for big expenses money which will mostly run out by the end of this year. This therefore not only needs replacing but I want to have much more money available for holidays and doing my house up, I want to live a little more essentially…

Looking at the above figures, I feel after much much thought that halving my investments to £750 to give me £9,000 a year is the sweet spot. My house indoors renovation will certainly be happy with that amount. This would also fund more holidays, more big purchases as required throughout the year and replenish my £1000 emergency fund when my other ways of replenishing it don’t meet the full amount. This would still give me £2284 as a monthly income at 50 which is more than I have now after investing and would give me even more money for big expenses (£13,000) at 50 than I get on along the way. This for me seems like the best middle ground of living for now and living for tomorrow. I can of course and most likely will flex what I spend and sometimes invest more and sometimes less throughout these years – Life happens.

Current Project 2235 Tweaking

The other thinking I have been doing around plans has been to tweak my current Project 2235 plans when it comes to my big expenses money increasing to £9,000 if switch to £750 as discussed above in Dec 2022 including until then my plans to use around £2,000 I have left from MB for this and next years big spending. I now intend to take £4,000 from my Cash is King Fund (£10,000) combining it with £1,000 of the MB money to give me £5,000 for the 2022 year so that when I become 35 I get more money to spend on that year. I feel like I will want to do so much in 2022 that it’s better to feel like I am more free to spend a year earlier than original planned. This will not impact my £250,000 goal as I will continue to invest £1500 monthly until Dec 2022. That will stay the same.

I feel this is a good choice as it means from late Dec this year, I will have plenty of cash to spend on things that bring me joy more now than before such as by going on more holidays etc. This means that this year which half of which will no doubt be a write off anyway will be the last where I can’t do as much as perhaps I want too. I have got the taste of doing more in the last couple years so this feels right for me – a good balance.

2021 Goals

I will keep this more brief than originally planned as I have wrote a fair bit already in this post. These are the kind of things I intend to achieve this year. I know I certainly should have done more with the time I was afforded in 2020 which includes becoming healthier and fitter which I had planned. You can’t win them all though right!

  • Lose 10 pounds of weight to get back to my best (Healthy eating with treats thrown in now and then)
  • Less alcohol, just once per week instead of twice lately
  • Become fitter
  • 30 press ups, 30 kettle bell lifts, 30 minute walk, 30 fast runs in my hallway with 5 runs up and downstairs daily except Sunday)
  • 8 Minute stretch, abs, arms (different one daily so doing each one twice a week. The 90s music is so corny, it’s amazing! Good routines though)
  • Declutter my home and digital life (During Lockdown 3)
  • Sail towards the Project 2235 Goal of £250,000 – £1500 Monthly Investment
  • Make the most of the second half of the year (Go away on holiday for a few weekends in the UK)
  • Keep working hard in my day job to support the NHS
  • Start reading some books and watch some video learning (TTC Videos)

I’d love to know what you thought of this post and especially of my post Project 2235 plans! Let me know how you have all been getting on.

TheFIJourney