Category Archives: Books

July 2018 Savings, plus other updates

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So it was back down to earth again this month – back to work, back to a mix of sunshine and rain – a great British summer!

I’ve had my sister and nephew staying with me, spent a nice weekend with them, so while they’re visiting friends, I’ve been able to update the blog, do my numbers and also catch up on a bit of blog reading.

My fridge freezer finally arrived and so my kitchen is complete at last! However, I keep inadvertently going back to the old fridge which is now empty – I guess it will have to revert back to being my ‘beer fridge’!

Anyway, how did I do with my savings in July?

I saved 40.3%, which sees my average savings rate going down to 46.2%.  A little higher than expected but some costs are on my credit card which won’t be settled til next month.

The above savings was topped up with £64 matched betting profits (from last month), £50 premium bond win – woo hoo! 🙂 and £63.98 affiliate income from OddsMonkey (thanks to all who signed up via my links!).

Shares and Investment Trusts

No new investments, I just topped up existing ones.

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

The markets mostly went up for me this month and with the extra capital, my Future Fund now stands at £147,993, still steadily making progress towards my next big milestone.

Dividends and Other Income

Dividends received this month: Continue reading →

June 2018 Savings, plus other updates

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Hello, I’m back so here’s my belated June update – I’ll do a bit of a write up on my holiday when I’ve got some time, have loads of admin work and reading to catch up on.

So how did I do with my savings in June?

I saved 40.9%, which sees my average savings rate going down to 47.2%.  As mentioned previously, the summer is going to be rather ‘spendy’ and I ended up borrowing some spending money from my sister, which I will have to pay off over the next month or so.

The above savings was topped up with £62.81 affiliate income from OddsMonkey (thanks to all who signed up via my links!).

Shares and Investment Trusts

No new investments, I just topped up existing ones.

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

The markets did what they usually do, ie go up and down and with the extra capital, my Future Fund now stands at £144,498, still steadily making progress towards my next big milestone.

Dividends and Other Income

Dividends received this month: Continue reading →

May 2018 Savings, plus other updates

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After what felt like the longest winter ever, we were able to bask in a glorious and sunny May!  Being a ‘sun worshipper’, I enjoyed hours of reading and topping up my tan in the garden. It’s probably just as well that we don’t have that much sunshine here normally, else I’d get absolutely nothing done over the weekends!

And who didn’t shed a tear watching the Royal Wedding? Ok, maybe it was just me! I’m a fan of the TV show Suits so still can’t believe ‘Rachel Zane’ has married a prince!

Anyway, how did I get on with my savings this month?

I saved 36.3%! My average savings rate has now gone down to 48.5%.  Had a couple of unplanned social outings and as mentioned last month, I had to pay my sister back as she’d booked and paid for my ‘holiday within a holiday’ (a few days in Thailand). These next few months are going to be rather ‘spendy’ so I probably won’t be able to tighten up the finances until after the summer.

The above savings was topped up with £24.80 from TopCashback*, £500 matched betting funds (used to invest in Freetrade as per my previous post), and £133.91 affiliate income from OddsMonkey (thanks to all who signed up via my links!).

Shares and Investment Trusts

No new investments, I just topped up existing ones.

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

The markets have been going up, although shenanigans around the world might make it go down again. Whatever. In any case, my Future Fund has jumped quite a bit, now at £143,620, steadily making progress towards my next big milestone.

Dividends and Other Income

Dividends received this month: Continue reading →

April 2018 Savings, plus other updates

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Ok, so I had some second thoughts after reading some of the comments from last month’s post about pulling out all stops to top up my ISA, so with just a few hours to go before the tax year deadline, I opened a cash ISA account – nowt like living on the edge, haha!

Sadly, I wasn’t able to max my ISA, but I did add another £2.5k to make it over £17.5k (moved some of my emergency cash over and withdrew some matched betting funds) – I’m in a better position than I was before so thanks to all who made me reconsider and not dilly dally! 🙂

I went for Nationwide Building Society as I already bank with them so it was quick and easy to open the account – interest is 1.4% (Nationwide gave me an extra 0.1% loyalty bonus – woo hoo, I guess!) and the account has limited access but I’m ok with that.

Let’s see how I get on with this tax year’s ISA – I’m going to have try to top £17.5k now, aren’t I? Eek!

Anyway, how did that affect my savings this month?

I saved 45.3%! My average savings rate has now gone down to 51.1%.  I have now booked my holiday to HK – have paid for my flight in full (most of it via my ‘holiday fund’) but my sister has paid for my ‘holiday within a holiday’ (a few days in Thailand) so I’ll need to pay her back by next month.

The above savings was topped up with £1020 matched betting funds (I withdrew some cash from my betting and exchange accounts) and £68.54 affiliate income from OddsMonkey (thanks to all who signed up via my links!).

Shares and Investment Trusts

No new investments, I just topped up existing ones.

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

The markets must have recovered a bit – after months of going backwards,  my Future Fund now appears to be heading in the right direction again at £138,939, back on track towards my next milestone.

Dividends and Other Income

Dividends received this month: Continue reading →