My family’s visit has come to an end and the house is all quiet again. Things should be be back normal again but I’m finding myself somewhat lacking a little on the motivational front.
Work has been really chaotic (we’ve all been given brand new laptops and telephones and system migration is taking place) and people are starting to leave so that’s probably one thing that’s distracting me. I’ve also been scheduled my first workshop sessions with the back-to-work specialists to help put me on the right job-hunting path, ie sorting out CV etc.
Another reason for distraction is that things haven’t worked out with the guy I’ve been seeing for the past 1.5 years…let’s hope I don’t feel the urge to write sad posts about frugal dating at some point…
Anyway, back onto more relevant topics, let’s have a look at some numbers:
So I managed a savings rate of 42%, which is better than last month.
My average savings rate continues to drop – it’s now at 46.5%. This is still a pretty good number, but as I said in the last update, I don’t have many months left in the year to try to drag it up to my target of 50% so I will settle for getting as close as possible!
This month’s income was boosted by £50 from rent received and £19.17 from TopCashback*. There was also an unexpected £500 referral fee, which came from a Manchester property developer – I’d put them in touch with my aunt, who had ended up making a purchase – boom! A nice little windfall and although tempting to just spend it, I’ve whacked it all into investments!
I also chucked some more of my matched betting profits into some property crowdfunding via Property Moose*.
The markets continue to be pretty steady for my portfolio, (although there was a small wobble last week) which now stands at £82,888, a small gain of just 2% from last month.
Dividends and Other Income
Dividends received this month (which will be reinvested):
I received a nice sum of £83.29 in dividends, which compares favourably with last September’s £46.70.
Total dividends received this year now stand at £638.09, so my target of £720 is pretty much in the bag – I think I should hit it next month, looking at dividends in the pipeline. Average dividend income so far is £70.90 per month, average over 12 months now at £53.
Anyway, here’s my dividend income progress:
Shares and Investment Trusts
No new investments in shares or investment trusts this month – I just topped up a couple of my existing funds/ETFs.
As per my post over the weekend, I sold three of my Monkey Stocks, so that money isn’t reflected in the portfolio as it’ll be invested next month. I also took the opportunity to sell the few South32 Ltd shares I owned, which were a spin-off from BHP Billiton plc.
Current portfolio can be found here.
With the house back to myself, I should have taken the opportunity to throw myself into matched betting.
However, as well as being a little distracted, I was having deep thoughts about my matched betting so instead, I ended up
wasting time enjoying some binge-watching (‘Peaky Blinders‘ series 2 & 3, and ‘Stranger Things‘) and catching up on some reading.
Non-Financial Goals Update
Here’s how things look on the goals front in brief:
When she was over on her recent visit, my Mum decided that she wanted some new kitchen furniture – I chipped in towards it and ended up dipping into my emergency fund.
It’s unlikely now that I will hit my target of £1k by the end of the year, but I’ll be topping the fund up with my redundancy money in any case.
Still plugging away with the reading and currently on another finance-related book (again from the library), so will do a little review at some point.
Hope everyone had a good September – roll on the winter months!