We are saving. We are saving. La la la lah, la la laaaaa.
Sad but true.
We are being very busy not spending money. Apart from living costs. And rent. And Vin’s livery fees.
But there is much much not spending going on.
For two reasons really.
The first is that being self-employed I sleep so much easier at night with a wodge of capital in the bank. And my contract is due to conclude with the delivery of this project – around the end of January.
The second is that we may just take a bit of a break next year; go somewhere… different. Just for us. But see above comment regarding wodge of capital.
But it’s good, all this saving stuff. It means the banks are paying us money. Even if what they’re paying us is a small portion of our money that our government has just given away to, erm, the banks.
It’s a kind of reverse arbitrage really, a credit default swap gone tits up (to use the technical phrase).
The interesting thing about all this financial tits uppery (to use the technical phrase again) is that when I was a currency dealer (just over 10 years experience of trading before I got out quickly) ever major financial institution employed people who we called limits clerks. It was the job of every limits clerk to check a proposed trade against:
* geographical limit (i.e. country!),
* financial limit (i.e. who is the party on the other side of this trade and how much are they already in to us for) and
* recovery limit (if this goes tits up, how much can we recover before we call it a dead loss).
And if any of the results of those limit searches came back negative the trade didn’t go ahead.
It seems that some simple credit protection measures we had in place once upon a time have been relaxed a little too well.
Anyway, back to the point.
We are busy not spending.
And Soph starts work in her new job on Monday.
Which will bring in more lovely money for us to stash in our bank accounts for the banks to pay us interest on with our money before the planned/not planned excursion arrives and we empty the banks of all our lolly.
Anyway, point is…
I think we (will) deserve a little break. Around Christmas, if we can juggle our time off to correspond.
But I’m fresh out of ideas and inspiration, so I thought I’d throw myself on the mercy of the court, so to speak, and see if you’ve got any helpful ideas for a short Christmas-time break for the two of us that would be to somewhere different, but isn’t going to make a significant impact on our savings.