Another month has whizzed by – late nights at work, gym sessions and nights out all sort of melded together. Oh and GoT! 🙂
My spending usually starts hiking up over the spring/summer months so I really need to watch my eating out from now on, although looking at my diary, I’ve already got too many social events booked in and I have a full bank holiday weekend.
What else did I get up to in April? I was featured in a ‘Bloggers on Fire’ interview, went on a 7-mile walk, topped up my tan and also attended an ‘investment meet up’ – I’ll do a write up on this soon.
Although it looks like I’ve been doing a lot of late nights in the office, I’m not actually moaning or complaining, as things are actually pretty good at work. Business continues to grow so my volume of work has gone up. The work I do could be done at home but I don’t like working from home and I find that email or Skype tennis isn’t half as productive as face-to-face communication. I know there are ways I can work smarter but just need to smash through what I’ve got on at the moment.
Anyway, how did I get on in April with the numbers?
I saved 43.6%, only because much of my going out expenses went on my credit card so those will hit my numbers next month.
As predicted, I was not able to max out my 2018/19 ISA – I got up to £16,400 in the end and that included jiggling emergency cash and some matched betting funds into my cash ISA. I’m going to make a real attempt to max out the 2019/20 ISA, although it looks like I’ve made a poor start on this already with my spending! Must try harder.
The above savings includes top ups of £35 from TopCashback*, £200 matched betting profit (from last month) and £138.41 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.
Current share/IT portfolio can be found here.
(Entire portfolio here)
The markets have been pretty buoyant lately as my Future Fund has shot up to £164,851.
Dividends and Other Income
A record-breaking month for dividends:
The £540.53 I received was the highest ever in a single month, beating the previous highest amount received in July last year. Quite unexpected so I’m really looking forward to what I might expect over the summer!
Check out the main dividend income graph!
Matched Betting (MB)
After last month’s great profits, I was brought back down to earth again! Did badly on the football accumulators (accas) and really should have checked last year’s figures as it looks like historically, April and May are bad for accas as results go all over the place, with clubs battling against relegation etc.
Big variances with my each way (EW) betting meant that total profits from this month only came in at £124, which although seems rather rubbish, is still profit and far better than the overall loss I was expecting.
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, Racing Matcher and Acca Matcher among others. There are step by step guides and also a friendly forum for you to ask questions and get help on any of the offers.
Some people find Matched Betting boring and too repetitive, but you won’t know until you try it and for me, it’s the ideal ‘side hustle’ to do when I want to. Anyway, check out the free trial* (with no obligations).
Here’s how I’m doing versus my goals:
Passive income (dividends) absolutely battered active income (MB) in April, which is kind of great but really, the MB profits should be a lot higher.
I’m currently reading the last book from that pile I showed at the end of my last update. Have enjoyed reading these books off my shelf because I’d forgotten that I had them and they were all quite different in genres and writing styles.
It’s been a month since I visited the library as I finish off these books and I’ve really missed it. Once I’m halfway through this final book, I shall be placing a couple of library book reservations.
And that’s it from me.
I’m still behind on my blog reading and my commenting, but hope to catch up soon.