Being busy on the social front this month made it easy for me to ignore all the negative doom and gloom stuff that dominates the national news.
Reasons to be Cheerful
- We had a bit of a heatwave and it finally felt like summer!
- Me celebrating my birthday – another year older, am I any wiser? What do I know now that I didn’t know a year ago? Only that I look and feel the same, although I will likely have squarer-eyes this time next year as my sis got me 12 month’s Netflix subscription as a present!
- Attended our twice-postponed works’ Christmas/Summer Party, which was a real blast, hugely enjoyable. A great turn out and I finally got to meet some ‘new’ colleagues who had already celebrated their two-year anniversaries at work but whom I’d never met as they joined during the pandemic and they’re not in the office on the same days as I am!
- Made use of our twice-postponed Centre Court tickets at Wimbledon and watched Rafa Nadal progress through to the next round – this might be his last Wimbledon so it was great to catch him in action. It was a glorious day out, rain started just as we were ready for the train home so the timing was perfect!
- Attended another Manchester FIRE Pub Meet – as usual, a decent turn out and a good mix of new and old faces. These meet ups are always fun and interesting. One guy turned up with his boss – yup, both on their separate FIRE journeys and wanting to leave the rat race, it was fascinating!
So, how did I get on with my numbers in June?
I saved 17% of my net salary. The above includes a £50 premium bond win, £10 charity lotto win, £30 from winning football predictions at work and £78.94 from doing Prolific surveys.
Shares and Investment Trusts
No changes here, I just topped up existing investments.
Current share/IT portfolio can be found here.
(Entire portfolio here)
The markets went into bear territory.
Monevator did an excellent post recently on bear markets.
Since I have no idea what’s going to happen, there’s been no change to my strategy. I have just continued investing as normal, flinging my money at this bear market, topping up my holdings as the prices go down, just as I was topping up when the prices were going up.
My Future Fund plummeted to £219,428 by month end. I’m now down -5.6% YTD.
I’d be lying if I said I was completely unmoved and unconcerned at the continued downturn and lack of progress.
Whilst I’m not stressing or having sleepless nights over this, I am experiencing little pangs of worry as I look at my numbers, which I try not to do too often but needs must, to do my updates! All I can do right now is to keep calm and carry on investing.
Dividends and Other Income
Hallelujah for dividends, shining a bit of light during these dark days of investing!
I received a record-breaking £852.48, of which £402.90 was from my ISAs, the rest from my SIPPs. I think some dividends which I previously received at the beginning of July were paid at the end of June instead. All dividends were reinvested.
Here’s the updated graph:
Matched Betting (MB)
Was too busy with work and going out to do any MB this month so no profits (or losses!).
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.
Here’s how my goals look at the halfway stage:
Struggling a bit with the savings rate and it looks like that I am going to miss my emergency funds goal completely as an emergency has just come up. More on that in July’s update…
And that’s it
Can you believe that I’ve been in my house for six months already? Where has that time gone?
Proud to say that I’ve yet to order any takeaway deliveries and while it’s just me in the house, I think that should be easy to maintain indefinitely.
I think the house is finally starting to feel like home to me.