Money-Matters

Notes 3% reduction in overall networth vs YE 2014; driven mainly by the impact of the crash in the value of the Nigerian Naira on my Nigeria domicilled bits and bobs Full Year (FY) spend was 96% of net earnings (v. 104% for FY 2014); non-charity spend at 71% of net earnings (v.74% for FY 2014). Unsustainable in the long run but headed in the right direction I believe. FY spend ~12% above plan, main driver being expenditures related to my decision to live alone from May (and outfit my house) Main exposure is ~£4k in outstanding loans; not including the £1.5k I wrote off at YE 2014. Key 2016 Actions ...

Image Credits - Joey Rozier, Flickr It has been a fascinating month of sorts on here - and also in real life where the issues which drove my sense of dissonance and the need to begin again have eased off. I would be remiss if I said I was out of the woods completely, but there certainly is a sense of significant progress and building traction in the right direction. The money numbers were pretty much bang on plan - just under £0.01 actual vs planned - which allowed me put away twice what I planned at the beginning of the month. I did spend more than planned on transport and purchases, main driver being the need to head down south for a weekend at short notice and the bits and bobs I purchased to support that. For the interested (waves at SisiOnABudget), here are two charts (by category, plan vs actuals) with a little more detail. ...