Part 166

Hello and welcome back to Mortgage Advisor on FIRE.  A short post to see out 2022, where I look at my goals for 2023.  

Weekly Update

The story that has dominated the week for me has been the fall and fall of Andrew Tate.  I find it hilarious that this supposed “alpha male” targeted a young woman, and got absolutely wrecked by her.  For those that missed the story, this is a brief overview…

Andrew Tate is a former kickboxer turned social media personality, who has made his name promoting misogynist bullshit.  Out of the blue, he decided to take aim at Greta Thunberg by boasting about his car collection.  Greta completely owned him with her reply.  See the images below:

Despite fucking around and finding out, Tate wasn’t finished.  His reply amounted to, “no I’m not, you are.”

In his rebuttal,  Tate made the fatal mistake of asking for some pizza, which was brought to him in a box which inadvertently gave away his location allowing the police in Bucharest to track and arrest him on suspicion of people trafficking and numerous other offences.  

So, in summary, he was burned so badly that he ended up in prison.  

Greta’s final comment on the issue was brutal:

The time between Christmas and New Year is similar to being in an airport; time means nothing.  Is it Sunday or Thursday? Who knows… Chocolate for breakfast? Why not…

It looks as though my return to a normal routine will be somewhat delayed as the hospital called me on Friday to see if I was free for surgery on January 3rd.  You may remember I was supposed to have an op to remove a large kidney stone a few weeks ago but I had to cancel when I had Covid.  As I’ll be under general anaesthetic I’ll probably not be right for work for a little while after the op, but hopefully, I’m not on the sidelines for long.  

On New Year’s Eve, we (Oana and I) went for lunch with my Dad.  We went to a Chinese restaurant, called Oisoi, in Sheffield and had a great time.  I had crab and sweetcorn soup, with some steamed pork dumplings, followed by Kung Po chicken.  Oana had a hot and sour soup followed by beef in black bean sauce.  My Dad had ribs to start, followed by a chicken curry.  After eating we went to Lykke and had a coffee before calling it a day.  It was nice to enjoy our New Year’s Eve how we wanted, in a chilled-out way.

My Kung Po chicken.

In other news, our cat Poppy has taken to sitting beneath the Christmas Tree:

2023 Resolutions

New Year’s resolutions are a bit weird when you think about them as a concept.  It’s not like we are only allowed to make positive changes to our lives when the calendar ticks over from 31/12 to 01/01.  In some ways, waiting for the new year to start can be damaging as throughout the latter part of the year people think, “fuck it, sounds like a problem for next year” and continue eating too much, spending too much, drinking too much, and so on.  

As strange as I find the concept, it doesn’t stop me from making my own resolutions or setting my own targets and goals.

Lose weight

I’m starting off with a classic, and one of the most common resolutions.  This isn’t just for appearance; I really need to lose weight for my health.  The problem is, every time I start something my body decides to spring a new injury.  For the last few weeks, I’ve been dealing with an injured elbow, which means I can’t even pick up a drink without being in pain.  The weight loss will have to come from a combination of diet and low-impact cardio.  Hopefully this time I can make a sustained go of it.  I’ve done it before, and I can do it again.

Goal: Lose 15kg by the end of June’23, with starting weight to be confirmed by next week.

Distance Challenge

Linked to the above goal, I find that having a distance goal in mind helps me with cardio.  My first goal is to complete the length of the Valles Marineris on Mars, a canyon that runs for approximately 4,000km.  The Mariner Valley is the location of multiple human settlements in The Expanse book series, and I’m a huge fan of sci-fi, so it just felt like a more appropriate challenge for me. 

Goal: 4,000km to be completed by the end of March’23, through walking and cycling.

Use all my ISA allowance

This is more of a financial year, rather than a calendar year, goal.  I’ve used up my ISA allowance for the previous two years, and the new allowance opens up at the start of the financial year.  I’m undecided about whether to use up the whole allowance as soon as the new financial year starts, or drip-feed money into my ISA through the year.  At the moment, I’m thinking I’ll do a bit of both, where I invest a lump sum as soon as I can and then follow that up with smaller sums each month.  

Goal: Invest £20,000 in my ISA by the end of the 2023/2024 financial year.

2023 Book Challenge 

Although I hit my target of new authors for 2022, I didn’t get close to my target when it came to The Classics.  I did finish some classic works, such as The Count of Monte Cristo, Don Quixote, and Dracula, which I thoroughly enjoyed, there were some I just couldn’t get into, such as Moby Dick, and War and Peace.  In 2023 I’m looking forward to revisiting some of my favourite books, but I’m also going to set a few other goals;

1: Finish ten books by female authors I’ve not read before.

2: Finish ten books by foreign authors I’ve not read before.

3: Finish ten classics I’ve not read before.

If you have any recommendations for books, please let me know.

Support Mortgage Advisor on FIRE

I love writing this blog but maintaining a website costs money.  If you want to say thanks for the content I publish, consider donating to my virtual tip jar at the link below:

https://www.buymeacoffee.com/davidscothern

Financial Update

Assets

Premium Bonds: £19,350.00 (no change). 

Stocks and Shares ISA: £63,591.10 (-£499.72). 

Fuck It Fund: £0.00 (no change).

Pensions: £55,104.02 (+£147.09). 

Residential Property Value: £233,989.00 (no change). 

Buy-to-Let Property Value: £150,993.00 (no change). 

Total Assets: £523,027.12 (-£352.63). 

Debts

Credit Card: £0.00 (no change).

Loans: £10,000.00 (no change).

Residential Mortgage: £180,028.08 (no change). 

Buy-to-Let Mortgage: £105,101.46 (no change). 

Total Debts: £295,129.54 (no change). 

Total Wealth: £227,897.58 (-£352.63).

Investment Income in 2023: £0.00 (target £8,500).

A somewhat shorter post than normal this week.  I just wanted to say a huge thank you to everyone who reads this blog, and to everyone who messages me on social media and through the comments section.  If you have any questions or feedback, please do get in touch.  I hope you have a healthy, happy, and prosperous 2023.  

Disclaimer

The views and opinions in this blog are my own, and do not represent the views or opinions of my employer, nor should they be considered advice.

If you want personalised financial advice, seek an appropriate professional.  If you are in financial difficulty, seek advice via the resources below:

StepChange

MoneyHelper

Biolink and other links

You can now find all my social media pages by checking out my Biolink:

bio.link/davidscothern.

Also, check out Darren Scothern’s blog which talks about autism, being autistic, and general mental health:

www.darrenscothern.com

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