Have finally recovered from work’s Christmas party/leaving do! Hangovers get so much worse as you get older!
Anyway, it was probably one of the best parties I’ve been to – lots of mixed emotions but what I do recall was a lot of fun and laughter.
Work for me is winding down a little as I begin to hand over the rest of my responsibilities. Not long to go now.
Anyway, how do things look on the numbers front?
So I managed a savings rate of 38.1% – gift-buying has taken its toll a little here but still not too bad. I’ve only a few more items to get now so for me to be able to have a decent savings rate is still a big achievement for this time of year.
My average savings rate however continues its downward trend – it’s now at 45.2%. If I can get it to be at least 45% by the end of the year, I’ll be well happy.
This month’s income was boosted by £50 from rent received and £10.36 from TopCashback*.
Markets went a little wobbly this month, so my overall portfolio dropped a little and now stands at £86,188.
Dividends and Other Income
Dividends received this month (which will be reinvested):
A nice little sum of £92.33 in dividends hit my accounts. In October 2015, I only received £26.17.
Current total received stands at £862.46. There is a good chance that I may reach £1000 by the end of the year – wow, I’ll be sooooo chuffed if that happens!
Average dividend income so far is £78.41 per month, average over 12 months now at £71.87.
Anyway, here’s my dividend income progress:
Shares and Investment Trusts
This month, I opened up an investment in Dunedin Income Growth IT.
Current portfolio can be found here.
Matched Betting (MB)
Back to a normal month for me after last month’s disastrous one for MB.
I made £394 in profit, which is slightly above average for me. This was pretty much entirely on football bets only (including accumulators), although there was a bingo offer in there too.
I’ve now made £3,372 so far from MB since I started in March, which I’m really pleased about. I can’t say that it’s ‘easy’ money as you need to put in effort to make the money but I still enjoy it and I don’t have any other hobby which makes me money.
As I’m not going to be about for the last week of December, profits will likely be low so if I can hit a nice round £3.5k by the end of the year, I’ll be happy.
The matched betting guide I subscribe to is OddsMonkey*. It’s a great website for beginners and seasoned matched bettors alike – for beginners, there are plenty of tutorials which provide you with step-by-step guides on how to make profits and to work through special offers. For the more experienced, the tools offered by OddsMonkey are fantastic, including the Each Way Matcher, Dutch Finder and Acca Matcher, all of which I have used successfully. There’s also a friendly forum for you to ask any questions. Anyway, you can join for free to try it out.
Here’s how things look on the goals front in brief:
Only one more book to go and I achieve my library book goal!
Also, only one more financial related book to go and I bag the other goal – ploughing through that one right now so hopefully a brief review soon.
Anyway, hope you all had a great November!