Not sure where November went – it was a bit of a blur.
I went to the Lake District for the first time ever to participate in my (kind of) new hobby, walking.
I know, Tuppenny, beautiful countryside merely 1.5 hours away in the car, pretty much on my doorstep and yet I’d never been before! No excuse really, just never crossed my mind!
Would definitely go back, it was lovely, although I’m not sure I’d want to live there long-term, bit too remote for my liking and I’m not fond of driving down country roads. Perhaps there’s too much of a City gal in me.
Anyway, stayed in Bowness-on-Windermere and went on the Grasmere to Alcock Tarn walk (around 9 miles).
Typically, it was raining and cold but after the extreme weather I experienced in Snowdonia, this was a bit of a doddle and felt quite mild :-). Although there was a part of the walk where we had to cross a fast flowing stream, jumping over slippery rocks and I ended up with what felt like half the stream in my boot!
Anyway, how did I get on with my savings?
I saved 36.3%, which sees my average savings rate going down a little to 43.7%.
Not bad really, although I’ve not done much in terms of any Christmas shopping yet.
For the first time, I actually bought something on Black Friday but it was on behalf of family. I did make one significant purchase this month – a new mattress after checking out Kiernan’s mattress review website as I didn’t know what to get. Suffice to say, I’m very happy with my purchase, although there were some shenanigans regarding delivery.
The above savings includes top ups from £240 matched betting profits (from last month), £10 lotto winnings and £124.50 affiliate income from OddsMonkey (thank you to all who signed up via my links!).
Shares and Investment Trusts
No new investments, just added to existing ones.
AJBell Youinvest had their own Black Friday offer (fee-free trades) so I took the opportunity to finally offload my Vodafone shares. Yield is currently an insane 7.9% but I’m not confident this will continue in the long term. With the loss in capital and dividend income over the years I held the stock, I probably more than broke even (would have been a loss if I’d paid trading fees to sell).
Speaking of AJBell, I’ve applied for shares for when they float on the stock exchange later this month. The shares probably won’t be as lucrative as the Hargreaves Lansdown ones (which sadly, I didn’t buy) but as an existing customer of theirs, I thought they’ll be worth a punt.
Current share/IT portfolio can be found here.
(Entire portfolio here)
The markets appear to have recovered a little so my Future Fund is heading in the right direction again, sitting at £146,601.
I’m resigned to the fact that I’m unlikely to end the year >£150k unless there’s going to be a really really generous Santa Rally!
Dividends and Other Income
So, wobbly markets or not, my dividends continued to roll in regardless:
I received £259.97, which means total dividends so far this year now stands at £2,931.44. It’s more than what I was expecting this month so the good news is that it look like I should hit my dividends goal by the end of the year after all! All dividends are reinvested, bundled up with whatever extra capital I invest monthly.
So here’s how things look on the main dividend income graph:
Matched Betting (MB)
Not the best month for each way betting – hit a horribly long losing streak but managed to claw my way back into profits. In a double whammy, I made a loss on my no-lay accumulators so there was no joy there, just misery. Total profits this month came in at only £311.64.
The good news is that I’ve achieved my goal, with Total MB profits with one month to go, standing at £4,294. Perhaps I was being a tad optimistic when I said that it might have been possible to get to £5k – with a short December in terms of MB opportunities for me, Lady Luck will definitely have to be on my side from the start!
As mentioned before, the MB guide I subscribe to is OddsMonkey*, which is great for beginners and experienced matched bettors alike with quality tools such as the Oddsmatcher, Each Way Matcher, Extra Place Matcher, Dutch Finder, Racing Matcher and Acca Matcher. There are step by step guides and also a friendly forum for you to ask questions and get help on any of the offers.
Matched betting isn’t everyone’s cup of tea but you won’t know until you try it! Anyway, check out the free trial* (with no obligations).
Great to have achieved two of my goals already, especially knowing that I will definitely fail in two of the others!
I’m just waiting for my toilet twinning charity certificate so I’ll be able to take a picture of that soon.
Anyway, hope everyone had a great November and has a (mostly) stress-free December!