The year of 2016 has been a year of growth, in many aspects of life. Financially, relationships, goals, prospects, meaning…
The FI journey is important in that you need to evaluate what is important in your life first and foremost. Most things in life we have is finite, time, money, food, resource.. The earlier you realise that the earlier you can focus on living in the moment and investing for the future.
The principles you value, the friends you enjoy just being with, the people you meet along the way that you look at them with your heart and think these are beautiful people with beautiful lives. The key thing though is that you need to live to figure these out. My predilection for stories, fiction or not and the moral of the story helps in some way to gain some sort of insight (whether true or false).
It seems that I am doing fairly well being in positive balance most months of the year. The missing months of July and August is down to poor record keeping. However because of how I track my net cash worth, it will likely reflect in the following months values, hence the yearly net savings value should still be fairly accurate.
One method I found that was very motivating for helping me keep up to speed on a monthly basis was to join a savings community online. There are various threads over at the MoneySavingExpert Forums where people keep each other motivated with their monthly savings and what’s been happening in their various lives that makes savings difficult or easier. Unfortunately, this is not so much as an exciting topic over dinner with friends or mates over beer, hence I have to do it over the online community to gain some encouragement.
My YTD value of my portfolio is up just about 12%. How well have I done compared to the indices?? Worst than some, better than some… Does it really matter? Perhaps. Would it change anything I do? I hope I have better sense than that. I am waiting for a bear market at a appropriate circumstances where I am in a stable financial situation to sort out my mentality with regards to risk. That would be the real test of my mettle I reckon.
This is all really a big ‘experimentation’. I mean you can only know how much you hate or enjoy the rollercoster only after you have experienced it right? However, better buckle up my safety harness!
Decade of Deaths, Weddings, and all the rest.
2016 is also the year when my granddad passed away. This was a fairly novel experience for me and my generation and it has taught me some lessons. There are people you love, and you want to be with them when they need you. You want to be able to be with them when they need you. That is important. Two of my friends my age had similar experiences as well and I think I can see some similar reflections on their part. This will happen more often from now on, this is inevitable.
The ages of 20s is also when there are numerous wedding invitations flying across through the mail and where social media is just flooded with wedding photos. I attended 2 of them myself this year and I took it more of an opportunity to reminiscence with old friends and also to figure out what it is all about. I enjoyed it immensely but hope not to get caught up in the hype. I really wished them all well and hope to see them do well themselves.
So the Decade of 20s is now known as the decade of Deaths and Weddings.. Perhaps by the late 20s, I will be used to this.
Imagine a Life of You and I
Everlasting Strawberry Summers
Sneezing at pink blossoms
Sharing stories like no tomorrow of soft rye, work and adventure
Morning coffees on rain fell weekends
Late night brews and chats
Train rides across the city
Napping in front of moving pictures
The heart yearns for The silhouette of my dreams and likewise the mind is occupied
yet Life is such a stoic existence that the only way is to
Swallow that bittersweet feeling and call it living
–Pieces of Me by haleshine
I hope you had a decent 2016. Time provides all and takes all in the end. Enjoy the journey.