Finding Enough

The journey to financial independence and a world of choices

Handmade lino print Christmas cards

November brought a new record for the freedom fund, and the anniversary of Mr W finishing his last office job. All our accounts have soared to new highs with my S&S ISA topping £200k for the first time. I am expecting a choppy ride ahead, but I’m happy to enjoy it while it lasts. Despite spending nearly £700 on materials for the van conversion this month, our spend remained below £2,500 and well below what a 4% SWR would give us as passive income.

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reversing camera display mounted on the windscreen like a rear view mirror

Before we start insulating the van, we wanted to fit a reversing camera to help us navigate narrow lanes and tight parking spots without incident. Having looked at various options, we decided on a camera mounted in the high level brake light at the top of the rear door, together with a display which mounts on the windscreen just like a conventional rear view mirror. There are a lot of complete kits available on Ebay, but by buying the camera kit and display separately, we managed to save a few quid (around £90 total rather than the £120-£130 for a kit).

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Autumn sunshine at a local National Trust property

Freedom Fund: £920,254

Hypothetical monthly income @4% SWR: £3,068

Actual monthly expenses: £2,436

October was a busy month and it turns out that it was good that we took the opportunity to get out and about and catch up with friends and family, as we are now back in lockdown in the UK for at least a month.

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August was an expensive month for us, mainly for vehicle related reasons and due to it being TV licence renewal month (my almost irrational hatred of subscriptions or monthly payment commitments of any kind means we pay this in full annually). It was also the month we visited a restaurant with friends for the first time in 6 months!

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