Advent Calendar: 32

Happy New Year! Djelibeybi decided to take the day off today, so we trotted off to Whitstable and had a lovely afternoon strolling along the beach, admiring the view and the lovely houses. Photos will be on Flickr as soon as I can find the cable to attach the camera to my computer…

I did get some composing done before we went out but not a lot – a few more notes for the Rothko quartet. It was nice to get back to it after a bit of a break. I’m still really pleased with what I’ve got for this one, which is a bit of a relief. Tomorrow I need to launch myself into the 2 big pieces in a major way, but as college is finally open again tomorrow, I’ll be heading in with my laptop so I don’t have the distractions of home!

The triumph of the day though was a lot more prosaic, but as it involved ticking something off my to-do list which has been lurking and making me feel guilty for A YEAR, I’m just hugely excited about it. It also helped that it made me realise I’m a lot better off than I thought 🙂 Yup – I made 2 phone calls to Australia, updated my address details and finally got online access to the last two of my three superannuation funds. And the joy is that, thanks (HUGE thanks) to the Australian government’s compulsory superannuation scheme which came in just before I got my first permanent full-time job, I actually have a decent amount of money growing itself for my retirement. Huzzah! I’ve been reading Ramit Sethi’s book I Will Teach You To Be Rich, which may have an offputting title but is actually a really good read and about as inspirational as personal finance writing can get. He neatly freaked me out with the following table (p. 239 in my Kindle edition):

Smart Sally Dumb Dan
When beginning to invest, the person is… 25 years old 35 years old
Each person invests £100/month for… 10 years 30 years
With a 7 per cent rate of return, at age 65, their accounts are worth… £135,044 £121,287
Even though he invested for three times as long, he’s behind by £15,000

I also started hunting for a new accountant as ours, while a nice guy and pretty good, just doesn’t get the concept of a business which draws its income from creative work and property investment and normal contracting (actually, I think he doesn’t entirely get the contracting thing either) and both Djeli and I feel we really need someone who can advise us on ways we could be saving money or spending it more effectively.

Oh, and I posted my annual creative goals post too.

So, a productive day, even if not an especially musical one. I can recommend both the Sethi book and Whitstable 🙂

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