This month saw me celebrating my birthday by playing crazy golf and drinking in the sunshine! It’s a sign of
age experience and knowing my limits that the following day, I was able to get up and go to the gym the following morning, instead of feeling utterly cabbaged and wasting the whole day hungover in bed!
I’ve loved all the hot weather we’ve had, but was glad of the rainstorms that followed, as was my poor parched garden!
Anyway, after last month’s ‘property post‘, I am so excited to announce that ‘tenants’ have moved in!
My little house appears to have attracted a diverse community – I believe I have leaf-cutting bees (yellow arrows) and mason bees (red arrows). Apparently, it’s not unusual for solitary bees of different species to nest near one another. I wonder who moved in first though? 🙂
I had noticed funny little circular chunks chewed out of the leaves of some of the shrubs in my garden, the leaf-cutting bees’ trademark. Anyway, I am delighted that these little critters have deemed my garden worthy enough to live in!
Since that photo was taken, at least another two bees have moved in and a spider or two, judging by their webs!
This month was rather expensive – car insurance renewal, breakdown cover renewal, washing machine repair (5 minutes to fix, £107!) and a new shed (to replace the dilapidated/unsafe one) – the pounds are getting really stretched, especially as I’m struggling to say no to social outings (went to another enjoyable and interesting Manchester FIRE pubmeet this month).
MOT on my car is due next month…maybe I need to just get past this expensive summer and cut back on the expenses in the latter part of the year.
So, how did I get on with my savings?
I saved 16.5% of my net salary. The above includes £59.62 from doing Prolific surveys and £10 from a charity lotto win.
Shares and Investment Trusts
I offloaded Civitas Social Housing and used the funds (plus new funds) to top up existing investments.
Current share/IT portfolio can be found here.
(Entire portfolio here)
My Future Fund seems determined to crawl along sideways. There’s not a lot I can do except to keep on investing. As at the end of the month, it stood at £229,441.
Dividends and Other Income
Thank goodness for a great month of dividends.
Matched Betting (MB)
End of season European football matches saw me eke out just £23.02 this month. I think I shall take a break in July and hopefully resume in August.
Halfway through the year, how are my goals looking?
Reckon I’m still pretty much on track for all of them aside from the emergency funds one.
These past couple of months, I’ve been trying out intermittent fasting.
A member of the family has cited that such fasting has enabled her to (safely) lose a couple of stone in weight, and keep off the weight.
Whilst I’m not seeking to lose any poundage, I read with interest the benefits of intermittent fasting, which apparently includes improved gut health, better sleep, reduced cardiovascular risk factors, including lower blood pressure and lower inflammatory markers (linked to many chronic diseases).
The 16:8 plan (eating only during an eight-hour window and fasting for 16 hours) is probably one of the least extreme ways of fasting and is what I want to achieve ultimately.
However, as I often eat late in the evening on gym nights, I’m following my own 14:10 plan – I eat between 11am and 9pm and fast for 14 hours.
So I will have a late breakfast at around 11am (usually get up between 6.30-7.30am, depending on whether I’m heading into the office), followed soon after by lunch. Or sometimes, if I’ve been busy at work, I end up just having brunch around noon.
This would have been impossible when I was younger, when I could barely function (due to hunger pangs) if I didn’t start the day off with something to eat.
I can’t say that I’ve experienced any noticeable benefits thus far – except that I can get into a pair of shorts which were on the tight side last year – but I think I’ll just continue as it seems to fit in with my lifestyle (still eating and drinking what I want), with very little effort.
Anyone else tried fasting before and how did you find it?
My next update will either be early or really late, as I’m due to go away on holiday.
If I’m organised, I’ll do a short post before I go away.
Anyway, hope you all had a great June!