September 2017 Savings, plus Other Updates

No idea where this month went – I had one weekend away (cocktails are never a good idea!) and that’s pretty much it. No progress on the kitchen so it’s still only half done, but at least I can cook now so the poor diet from previous months has improved. Hopefully, all will be completed by the end of this month.

So, how much of my net salary did I save this month?

I saved 37.5%. An improvement on last month but not by much. I think this is going to be as good as it gets, especially with the more ‘expensive months’ coming up.

My average for the year has now dropped to 45.4%. I’m not going to reach my target  but I think I’ll be happy if I can keep it above 40%.

The above savings includes £200 matched betting profits, £7.50 from TopCashback*, £50 rent received and £93.57 affiliate income from OddsMonkey (thank you to all those who joined via my link – much appreciated!).

Shares and Investment Trusts

Nothing new was purchased, I just topped up existing holdings.

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

Markets were a little volatile, which caused my Future Fund to drop slightly in value, despite the extra capital added.  It now stands at £124,961. Just a small step backwards but I’m still slowly plodding on towards my next big milestone!

Dividends and Other Income

Dividends received this month (which will be reinvested): Continue reading

October 2016 Savings, plus other Updates

I was a little distracted last month and this continued to be the case this month. With various social outings, the weeks have just gone by in a haze.

Work has continued to be chaotic and also very weird, as my boss has now been laid off and I have a new boss, someone I had a dotted line report to previously. Whilst I get on with my interim boss, I miss my old boss already!

On a personal front, I actually secured a date the old fashioned way! That is, there wasn’t a Tinder-swipe or online dating profile in sight! I got dancing with someone at my friend’s wedding, we swapped numbers, we went out on a date. Ok, so there was to be no 2nd date (sorry, he had too many young children to support!) but hey, it’s good to see that old-school ways can still work in today’s dating environment! 😉

Anyway, how do things look on the numbers front?

oct16saved

So I managed a savings rate of 40.7%, not quite as good as last month but not bad considering the social events.

My average savings rate continues its downward trend  –  it’s now at 46%.  I accept that it’ll be impossible for me to achieve my end of year target of 50% – even 45% might be a stretch with the festive season coming up. I’ll keep going anyway.

This month’s income was boosted by £50 from rent received and £39.97 from TopCashback*.

I also chucked some more of my matched betting profits into some property crowdfunding via Property Moose*. The website has now introduced a secondary market so it is now possible to sell or buy ‘shares’ if you wish, although of course, if selling, these need to be purchased by other members of Property Moose.

Future Fund 

The falling sterling and buoyant markets continue to be good for my portfolio, which now stands at £86,509, a gain of 4.3% from last month.

Dividends and Other Income

Dividends received this month (which will be reinvested): Continue reading

September 2016 Savings, plus other Updates

My family’s visit has come to an end and the house is all quiet again. Things should be be back normal again but I’m finding myself somewhat lacking a little on the motivational front.

Work has been really chaotic (we’ve all been given brand new laptops and telephones and system migration is taking place) and people are starting to leave so that’s probably one thing that’s distracting me. I’ve also been scheduled my first workshop sessions with the back-to-work specialists to help put me on the right job-hunting path, ie sorting out CV etc.

Another reason for distraction is that things haven’t worked out with the guy I’ve been seeing for the past 1.5 years…let’s hope I don’t feel the urge to write sad posts about frugal dating at some point…

Anyway, back onto more relevant topics, let’s have a look at some numbers:

sept16saved

So I managed a savings rate of 42%, which is better than last month.

My average savings rate continues to drop  –  it’s now at 46.5%.  This is still a pretty good number, but as I said in the last update, I don’t have many months left in the year to try to drag it up to my target of 50% so I will settle for getting as close as possible!

This month’s income was boosted by £50 from rent received and £19.17 from TopCashback*. There was also an unexpected £500 referral fee, which came from a Manchester property developer – I’d put them in touch with my aunt, who had ended up making a purchase – boom! A nice little windfall and although tempting to just spend it, I’ve whacked it all into investments!

I also chucked some more of my matched betting profits into some property crowdfunding via Property Moose*.

Future Fund 

The markets continue to be pretty steady for my portfolio, (although there was a small wobble last week) which now stands at £82,888, a small gain of just 2% from last month.

Dividends and Other Income

Dividends received this month (which will be reinvested): Continue reading

August 2016 Savings, plus other Updates

The weeks have flown by in the blink of an eye and it’s time for another update.

aug16saved

I managed a savings rate of 39.4% – entertainment/social costs with the family, and birthday outings added to the expenses.

My average savings rate has continued to plummet –  it’s now at 47.1%.  It’s not been easy keeping to my usual spending routine with family around. Still pretty good I guess but I don’t have many months left in the year now to try to drag it up to my target of 50%. I’ll just try to get as close as possible in that case.

This month’s income was boosted by £50 from rent received and £20.42 from TopCashback*. I also channelled another £300 of matched betting profits into Property Moose (property crowdfunding).

Future Fund 

The markets continue to be buoyant in the face of Brexit doom-gloomers and my portfolio now stands at £81,511, a gain of over 4.8% from last month. It didn’t seem that long ago that I broke the £70k barrier, yet here I am sliding past the £80k mark – a combination of new investment capital and investment gains. I know that this figure could just as easily drop (eg when Brexit actually happens) but right now, my portfolios are heading in the right direction.

Dividends and Other Income

Dividends received this month (which will be reinvested): Continue reading