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Actually I've been working on this post in my head for a good couple of weeks.
Crystalised around![[livejournal.com profile]](https://www.dreamwidth.org/img/external/lj-userinfo.gif)
geolbt's quoted quote.
It is a rare year in that I have something resembling goals that I can write down. The last couple of years I knew what I was going to do, if not where it would take me. Prior to that I was pretty much in a rut.
Now we've swung back to what feels like something of a steady course, in that I expect to be in about the same place workwise at the end of the year as I am at the beginning (touch wood) so I feel comfortable making plans for that timeframe.
My present goals are mostly material in nature. I've given up trying to pursue the other kind, in the face of history.
They boil down to:
- Make more money than last year.
- Spend less money than last year (off to a bad start on this one) unless making a lot more money than last year.
Concrete ideals: At the end of the year I would like the solar hot water heating in, the carpets replaced, and the mortgage back down to <3k. Enough extra to pay off the student loan would be a bonus.
Realistically I think I'll have to settle for one of the carpets/solar and the mortgage at about the 10k mark.
I am not prepared to sacrifice
- my current daily lifestyle
- trips to Dunedin
- 20-30 hour work week on my terms (although interesting incidentally paying projects around the edges would be considered)
Auxilary goals
- keep up the cycling to work
- don't take on work for clients who do not have an understanding or clear concept of what they are wanting, or aren't prepared to supply the necessary information and ongoing enthusiasm from their end. - this includes freebies for a good cause.
- run at least one decent rpg campaign (OK, that's a given).
Some of that passive income would be nice, but I don't have the foggiest where to start and doubt I want to spend the time to spend on building it up. There's no such thing as easy money. I'm thinking I'd still like to get into rental property, but I fully intend bringing this place up to scratch before I start on another.
A decade ago I hoped to be well on my way to a passive income of ~$50k/year by this point, or at least own a couple of extra properties. Maybe in another 10 years. I'm not too unhappy with where I am at now.
~~~
As an aside I was thinking about the question "how much money would be enough". I've decide that the tipping point is when I can spend money on myself as happily as I can spend money on other people.
- it may not necessarily be the amount of money I have/earn that needs to change to bring about this condition.
~~~
I should probably filter this sort of stuff, but hey, if you're interested enough in my life to wade through all that who am I to deny you?
Crystalised around
geolbt's quoted quote.If 2008 was the best year of your life, what would happen? How much would you earn? What would your health be like? How much would you weigh? What would your family life be like? What kind of lifestyle would you be living? How much money in the bank would you have? And how much passive income would you be earning each month?
It is a rare year in that I have something resembling goals that I can write down. The last couple of years I knew what I was going to do, if not where it would take me. Prior to that I was pretty much in a rut.
Now we've swung back to what feels like something of a steady course, in that I expect to be in about the same place workwise at the end of the year as I am at the beginning (touch wood) so I feel comfortable making plans for that timeframe.
My present goals are mostly material in nature. I've given up trying to pursue the other kind, in the face of history.
They boil down to:
- Make more money than last year.
- Spend less money than last year (off to a bad start on this one) unless making a lot more money than last year.
Concrete ideals: At the end of the year I would like the solar hot water heating in, the carpets replaced, and the mortgage back down to <3k. Enough extra to pay off the student loan would be a bonus.
Realistically I think I'll have to settle for one of the carpets/solar and the mortgage at about the 10k mark.
I am not prepared to sacrifice
- my current daily lifestyle
- trips to Dunedin
- 20-30 hour work week on my terms (although interesting incidentally paying projects around the edges would be considered)
Auxilary goals
- keep up the cycling to work
- don't take on work for clients who do not have an understanding or clear concept of what they are wanting, or aren't prepared to supply the necessary information and ongoing enthusiasm from their end. - this includes freebies for a good cause.
- run at least one decent rpg campaign (OK, that's a given).
Some of that passive income would be nice, but I don't have the foggiest where to start and doubt I want to spend the time to spend on building it up. There's no such thing as easy money. I'm thinking I'd still like to get into rental property, but I fully intend bringing this place up to scratch before I start on another.
A decade ago I hoped to be well on my way to a passive income of ~$50k/year by this point, or at least own a couple of extra properties. Maybe in another 10 years. I'm not too unhappy with where I am at now.
~~~
As an aside I was thinking about the question "how much money would be enough". I've decide that the tipping point is when I can spend money on myself as happily as I can spend money on other people.
- it may not necessarily be the amount of money I have/earn that needs to change to bring about this condition.
~~~
I should probably filter this sort of stuff, but hey, if you're interested enough in my life to wade through all that who am I to deny you?
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no subject
Date: 2008-01-11 08:18 am (UTC)From:I'm expecting mine to get back over 200K.
Dang.
no subject
Date: 2008-01-11 08:24 am (UTC)From:We did not buy at a good time :(
no subject
Date: 2008-01-11 08:46 am (UTC)From:Don't know about your area, but out our way the values have come up quite a bit.
One place that sold for $245K around 4 years ago is now advertised at $415K. I was surprised.
no subject
Date: 2008-01-11 08:49 am (UTC)From:no subject
Date: 2008-01-11 08:28 am (UTC)From:Interest rate on a flexi isn't pleasant though :( Nothing on the monthly cost of a real grown-ups mortgage with a proper principal sum of course.
no subject
Date: 2008-01-11 08:26 am (UTC)From::D
no subject
Date: 2008-01-11 08:34 am (UTC)From:no subject
Date: 2008-01-11 12:03 pm (UTC)From:Aside from that, here's me wishing you the very best of luck with everything else :) *hands you a horseshoe*