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

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