2015 in Three (Money) Charts

01 FYSpend 02 FYSpend - Plan v Actual03 Networth


  • 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

  • Retrieve outstanding loans; minimise exposures going forward by instituting strong controls around loaning friends and family money;
  • Identify options to reclaim stranded EM (Nigeria) pension funds
  • Explore more aggressive investment options (funds, forex trading)
  • Deliver on 2016 stretch targets (equivalent to a 19% reduction in FY spend) focus areas will be purchases and loans.

A good month of sorts…


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.

On here, Blogging101 has been a great way for me to get back to basics and ease myself into writing again. Thanks to the various prompts, over the past month I managed to reimagine how I self classify, reflect on the why for this blog, and meet – virtually at least – a bunch of interesting folk as evidenced by my swelling reader inbox. A bonus – largely unexpected – was praise from someone whose work I am a fan of, as well as being compared to another writer whose body of work I was and still am a big fan of.

From the task for Day 15, I have decided to sign up for the Monthly Masterpiece Challenge – by blending art, faith and reflection into a coherent whole, my hope is that I can develop my practice of contemplation more. I am keen to see how that evolves.

Going forward on here, I still like the initial idea I considered at the beginning – a Friday lunch time ramble on something that catches my fancy within the normal everyday context I live my life in. For those who are still on here – whom I haven’t bored to death or scared away – thanks for surviving Phase 1. I can only hope Phase 2 is even more exciting and fulfilling.