A quieter month at work, which was just as well as there were occasions when I was feeling somewhat overwhelmed by everything, leading to a couple of (rare for me) sleepless nights.
I also seem to have lost some weight without trying, despite eating, drinking and going to the gym as normal – this has happened to me in the past before, where I think I’ve lost weight due to stress. Not sure how I feel about this, I don’t need to lose any more pounds.
I realised that some things in my life were being neglected, delayed and put off, and it was like my life was beginning to spiral out of control.
For the first time in years, I renewed my house and car insurances with the same companies, instead of shopping around. I’m normally prepared well before the policies run out but I just didn’t have the energy or inclination to find cheaper deals. As it was, the new policies weren’t too far off (though both more expensive) from what I’d paid previously but my head needs to be more organised next time.
Towards the end of September, I finally got all my personal health stuff sorted, which had been preying on my mind and feel much better after attending delayed appointments for eye test, smear test and breast screening test – all out of the way now for another 2-3 years.
I should be picking up new glasses later in the month and have gone for budget rather than designer – am past caring right now and no one notices what I’m wearing anyway (apart from family).
I knew I wasn’t quite myself this month when I found myself wanting to cancel on social events, but I went in the end and of course, I was glad that I did.
The above all might sound a bit glum but I’m actually ok, I’m not unhappy or anything, just got a lot going on in my head.
Things continue to progress at a slow pace on the house front but I’m getting there.
So, how did I get on with my savings in September?
I saved 14.4% of my net salary.
The above includes another £25 Premium Bond win, a £10 charity lotto win, £20.21 from doing Prolific surveys and £48.89 affiliate income from OddsMonkey.
Shares and Investment Trusts
I sold out of Greencoat UK Wind for a small profit – although I’ve enjoyed receiving dividends from this investment, I’ve recently felt that I was a bit too exposed to thematic energy, plus not being comfortable about the uncertain future of green energy prices. Reinvested the cash in new holding Middlefield Canadian Income Trust, a region I didn’t have any real exposure to.
Current share/IT portfolio can be found here.
(Entire portfolio here)
I’m glad I did get to celebrate hitting my £250k milestone last month because there was a rather large wobble in the markets this month and I saw my first real drop this year. Future Fund is down to £243,768, plummeting depths like that submarine in the daft (though enjoyable) TV mini series ‘Vigil‘.
When I come to withdraw the funds for the house purchase, there will be an even bigger drop but the good news is that I won’t be selling in a depressed market to get my funds – I’ve been selling bit by bit over the summer while the markets were relatively high(er) so equities sold have been at a profit.
Dividends and Other Income
Yet another record-breaking month for dividends:
I received £693.29, of which £336.97 was from my ISAs, the rest from my SIPPs. This record-breaking month (so close to £700!) was helped by dividends normally paid in October being squeezed in on the last day of September so October will look a little lean compared to previous years. All dividends received were reinvested.
Here’s the graph of all dividend income received so far:
As mentioned previously, the MB guide I subscribe to is OddsMonkey*, which is great for beginners and experienced matched bettors alike. There are step by step guides and also a friendly forum for you to ask questions and get help on any of the offers.
I might hit my ISA dividend income goal soon, which will be good to achieve seeing as a couple of the other goals will prove to be pretty impossible to achieve.
I can’t believe that it’s been two years since I stayed away from home!
Other than wanting to fly to see my family (still impossible), I’ve not felt like I’ve wanted (or needed) to go anywhere in the UK and have been quite content to stay at home. Even reading about people getting ‘back to normal’ and going on ‘staycations’ and holidays hasn’t tempted me or made me feel like I was missing out.
The last time I did go away was October 2019 on a trip to London, so it’s fitting that I will finally be breaking my two-year duck with another trip to the capital of England for an overnight social stay.
Since I have barely been spending on social activities, I’ve splurged on train travel, hotel and won’t even wince (much) about quaffing expensive beer! 😉
Looking forward to it.
How was your September?