The Coronavirus outbreak will doubtless have a devastating impact on many companies and individuals. But I’m remaining positive on the longer term outlook!
There are many reasons to be positive amongst the gloom. Hopefully this post can instil a bit of hope that things will be OK!
Our investment strategy has always been 100% equities, with no allocation to bonds or other asset classes. There are several reasons we came to this conclusion, which we want to cover in this post.
When we say 100% equities, this is within our actual FI funds, which are housed in our ISA and pension accounts. Our emergency funds are in 100% cash and cover roughly 6 months of living costs. For more info on how our FI funds look at the moment see our 1 Year of Blogging post.
Our 100% equities allocation consists of index tracker funds with a global spread. This reduces the risk of being over-exposed to any particular country.
Continue reading “Why We’re 100% in Equities”Our first full month of lockdown has had a huge impact on our April spending.
Our total spend for the month was £1,559. This is well within our £2,000 target. It’s actually our second lowest month since we started tracking. Beaten only by August 2019 when we were in Africa and most of our accommodation and food was pre-paid!!
We break our main expenses down into broad categories starting with the big 3; housing, food and transport. Everything else falls into the entertainment category, with any large inclusions explained in detail.
Continue reading “Monthly Spending – April 2020”