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Year In Review - 2023 Monthly Expenses
It is about time I reviewed my monthly expenses for the past year. I do this activity at the start of every year. There are two kinds of expenses I track. One is monthly expenses which sort of appear most months like food expenses, internet etc. Then there are those expenses that occur once a year or once every few years. Those are considered as annual expenses. In today’s post I will go over the monthly expenses of last year and how it compares with the budget I made at the start of 2023. Lets also look at inflation since my retirement. Later in the post I will inflate my monthly expenses and set a budget for 2024. Lets dig in then.
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An Unexpected Encounter
It was January 2020 when we made an unexpected trip to Thirthahalli, a beautiful remote village in Karnataka. One of our newly made friends was born and brought up in Thirthahalli and they are planning to purchase a farmland near there. They invited us to visit their house for a fun trip and join them in their search for a farm. At this point in time, we were not even prepared to purchase a farm. We tagged along because our friends were on the search and we thought we can get some experience of the process if we ever want to go that route. But how did we meet these folks and what led us to believe we could do farming?
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What Unschooling Kids Might Be Missing Out
I have only seen two kinds of responses when someone learns that we are unschooling our daughter. Either they are worried about education or they are worried about social skills. The former manifests into questions such as “how will she manage life without knowing math and science”, or “how will she get a job or go for higher education without a certification” etc. I understand their anxiety in this matter and sometimes even I wonder how we can be so chill about it. The fact of the matter is that I know she can’t get a high paying job, But if she can understand that living happily on a small income is better than seeking peer praise and recognition for a lot of money and living in stress, then my job is done. Or at least that is what I have come to realize after all these years on the planet.
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Year In Review 2023
I know I am a little bit late for the “year in review” series but I was busy publishing other posts that were in backlog. Finally I got some time to reflect back on the year that has gone by. Every year at the beginning of a new year, I look back at the previous year and pen down some of the highlights and interesting events that transpired. So here goes. Last year was better than 2022 both in terms of finance and personal life. While a new war has started, it has now become a common place for wars to start and then people forgetting about it. Anyway, COVID-19 and the dark shadow it has cast on us is finally really over, although there are still some cases here and there. But those are all global events. Lets talk about what happened in my personal life.
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Dark Theme In Jekyll
Did you notice anything different about the blog? Well, I introduced a dark theme. Can you find how to change the theme by just looking at my blog? No? If you’d like to switch the theme to dark or light mode, read the last section of this post. Now, some of you may know that I migrated my blog from WordPress to Jekyll. Jekyll for those of you who don’t know, is a tool that transforms markdown text into static websites and blogs. If you are left wondering what all that mumbo jumbo was about, then it will perhaps serve you better to skip this post :). For some time now, I have been wanting to add a dark mode for my blog. But it never came up high enough in priority to give it my attention. That changed with the new year. I decided to add dark theme to my blog in 2024.
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The Markets Of 2023
The year 2023 is behind us, and this year was definitely less eventful than the past 3 years. Since COVID hit, things have changed quite a bit. It all started with the virus of course that wreaked havoc all over the world at the same time. There were a lot of side effects. Many lost loved ones, we were restricted to home isolation and lock downs were introduced. For the first time ever, we had everything closed including schools. Only the emergency services were running. The new work from home culture started. Then came pumping money in the fear and anticipation of reduced spending. The free flow of money caused inflation because people now had more money but nowhere to spend. Remember, everything was closed, so you could spend on nothing but food and health. Then came interest rate hikes to control the inflation. What a crazy ride.
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Our First Step Towards True Retirement - Part 2
Happy new year everyone! I want to continue where I left off in my previous post, so if you haven’t read that, I suggest you head over there first to get some context. The year was 2022, and like I mentioned in the previous post, we were thinking about farm life and were not sure if we can adapt to it after living in the city for such a long time. Since a few of our unschooling friends were living on farms far away from the city we thought it would be a good idea to visit their farm and see how they live and take care of their daily activities in such remote places. It will help us answer some long standing questions.
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Our First Step Towards True Retirement - Part 1
If you have been paying attention to the last few posts, you know that we are cutting down our sustainability efforts here at home. We first stopped rain water harvesting. Then slowly started to reduce our organic gardening footprint. None of these decisions were taken on a whim. They were deliberate and well thought out. While I mentioned some of the reasons for slowing down the projects, one reason which I did not mention was that we were not finding enough time. Yes I know, it sounds strange coming from a person who (and his better half) have completely retired and have not worked for money for more than 5 years. Yet, here we are. We finally realized our long-held dream of becoming owners of a farm and that kept us busy.
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Terrace Gardening Update
There are three places where we have been doing organic gardening. One on either sides of the house, two on the terrace and three outside of our compound wall. I already gave an update on the garden on either sides of the house. Since I’d like to keep you guys up to date, in this post I am giving an update on the terrace garden and the garden that is outside. Now for the bad news. We recently stopped doing the terrace gardening. There are a few reasons which I will get to in a minute. Meanwhile, our outside garden is still doing fine, but not to the level we want.
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A Confusing Time In Stock Market
The Indian stock market has been unrelenting in its growth. It feels like yesterday when I wrote that Sensex crossed the 60,000 milestone. Now, just 2 years later it is about to cross 70,000. But there is nothing impressive about it because that is a relatively low growth rate of 8%. Hardly anything to write about since we expect markets to do at least double digit growth. What is really impressive is that the market doubled in just three and a half years, which is a solid 22% growth. In June 2020, Sensex was around 35,000. The long term Sensex returns are around 13-14%. So should we be worried about a market crash?
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