So at the end of 2018/ beginning 2019 I’ve ended up with a TNW (not including my teacher’s pension) of £156K, this is down £14K from last month because my Zoopla house valuation is now £14k less than it was last month in November for some reason….?
Anyway, no matter, I’ve still got to live somewhere so property wealth isn’t actually real anyway is it!?!?
I’ve got about £63.5K left on the mortgage, and so still about £105K equity in the house, and then plus another > £50K in diversified assets. It’s really my non-equity wealth I’m interested in.
Ideally I’d like to have enough wealth to be able just pay down my mortgage, but I’m currently about £13K shy of this, which doesn’t sound like a lot, but ATW with my monthly income deficit this gap is going to increase by somewhere between £500- £1K a month for the next few months!
All in all, November to December have seen the wealth stable, except for a small decline in the value of the crypto.
I think I might actually put more into Peer to Peer in 2019…. it gives me a solid 6% return per annum and it seems stable, and I like the ethics of it too.
Of course when my premium bonds come in and steem moons, all of this will be moot!
Happy 2019, here’s to prosperity for us all!