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Please, Sir, I Want Some More

Prior to Christmas we were entertained by the stage version of Charles Dickens’ “A Christmas Carol”, in which Ebenezer Scrooge is converted to the spirit of Christmas following visits from the ghost of his business partner and the spirits of Christmas Past, Present and Yet to Come.

Post Christmas he probably returned to his real job of usurious money lender!

It reminded me that Dickens created in Mr Micawber (from “Pickwick Papers”) an early financial planner. Mr Micawber’s take on money management (which he did not personally follow) was this simple tenet - "Annual income twenty pounds, annual expenditure nineteen [pounds] nineteen [shillings] and six [pence], result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery."

It still makes sense today although there are lots of people happy to spend other peoples money, and quite a few misery bags around who are unhappy because they can ONLY spend 19/6.

Like Oliver Twist they would like more.