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

July 2016 Savings, plus other Updates

Another month that went by in a bit of a blur – took some days off to spend time with the family, which coincided with the few ‘heatwave’ days that we had up here – lovely.

jul16saved

So I managed a savings rate of 41.1%, a little better than last month. Some more entertainment/outing costs with the family, some of which won’t manifest themselves until August, so those will eat into my savings rate next month.

My average savings rate has continued to drop –  it’s now at 48.2%.  Still pretty good  I guess but looking like it’s on a downward spiral at the moment!

This month’s income was boosted by £95 from rent received and a £10  win from the British Red Cross charity lottery. I also channelled another £290 of matched betting profits into Property Moose.

Future Fund 

The markets continue to be kind to my portfolio, which now stands at £77,740.29, a gain of over 7% from last month.

Dividends and Other Income

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

June 2016 Savings, plus other Updates

A bit of a topsy-turvy month – with the announcement at work and various members of my family arriving for an extended visit and birthday celebrations (mine!), things aren’t quite normal in the weenie household. Oh, and also Brexit happened….

jun16saved

So I managed a savings rate of 39.7%, my lowest so far this year. Meals out with friends and family plus shopping trips (again with family) incurred extra expenses.

My average savings rate has now sadly dropped below my target, now at 49.4%, so just below my target. With my family being around for a few more months and work being uncertain, I’m not sure when I’ll be able to drag this back up but I’ll do what I can.

This month’s income was boosted by £50 from rent received, £25 premium bond winnings and £25.05 from TopCashback*. I also made my first £100 investment using matched betting profits – more on that another time.

Net Worth and Future Fund 

I don’t report my Net Worth on a monthly basis, but here’s the detailed info after the second quarter:

Jun16networth(a) Figure based on August 2015 statement, plus overpayments made

(b) Personal Emergency Fund

(c) Emergency Fund for stuff related to BTL property

(d) On a 0% rate

(e) Zoopla estimated value of property as at 30/06/16

Brexit has actually had an initial positive impact on my portfolio – helped along with new capital, my Future Fund now stands at £72,192.02, an increase of 5.9% from last month.

Since December 2015, my net worth has increased by 15.2% (not including my work DC pension). I’m not really hung up on this number but it’s heading in the right direction, so I guess I’m happy.

 

Dividends and Other Income

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

April 2016 Savings, plus other Updates

It was always going to be tough to follow last month’s excellent savings rate but how did I do in April?

april16saved

Three birthdays this month meant that my savings rate dropped down to 43.6%!

A rather significant fall from last month but in line with my usual and it means my average savings rate now stands at 51.9%, so still on target.

This month’s income was boosted by £50 from rent received, £100 gambling winnings (my horse won in the Grand National!) and £41.92 from TopCashback*.

Future Fund 

Rising markets plus new capital means that this now stands at £66,386.77.

Dividends and Other Income

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