2020 Goals

Many of my friends and colleagues have jumped onboard the whole ‘January thing, eg ‘Dry January’, ‘Vegan January’, though I don’t know if any are daring to do ‘Januhairy‘…. Anyway, some have fallen off the wagon already.

Me, I will continue to drink, eat meat/dairy and de-fuzz as usual – this month isn’t any different from any other month.

New year, same old me, really.

10 days into the new year (as I write this) and I’ve been to the gym 4 times already (an achievement for me!) so I’m hopefully starting as I mean to go on!

 

Before I go into my actual goals, I will mention that I intend to continue to throw my spare cash into investments regardless of what may or may not happen around the world which might cause share prices to go down (or up).

I’m not planning to hoard cash because I don’t know how to time the markets and wouldn’t want the anxiety or stress of trying to decide when it’s the best time to invest so I’m just going to continue investing as soon as the cash is available (stops me from spending it anyway!).

Anyway, back to the main topic…Goals!

As with previous years, I find that I am more focused if I only set myself a few goals, with little room for distraction.

Last year’s goals were challenging (I only met two out of six) so I may as well aim for them/similar again.

Sorry that’s not very exciting but I don’t feel the urge to go for outrageous goals just for something to write about. Gone are the days when one of my goals was to learn how to complete the Rubik’s Cube (I can still do it!)! I do want to learn how to do a 4×4 Rubik’s Cube so perhaps a future goal, when I run out of things to write about!

So without further ado, here they are:

Continue reading

December 2019 Savings, plus Round Up

Happy New Year!

Hope you all had a wonderful Christmas and enjoyed the celebrations last night to see in the new year.

It’s 3.30pm as I type this and I’ve only just gotten out of my pjs so it was a late one for me! 🙂

Anyway, I had a great Christmas – no travels abroad this time but there was a 400-mile round trip over the festive period – some good times eating too much but surprisingly drinking little (apart from last night!)

So, how did I do in the last month of the year and against the targets I set?

Not flying abroad for Christmas this year meant that I more or less maintained my savings rate, ending up at 41.7%.

My average for the year stands at 46.3%. Although I didn’t achieve my goal (again) to hit that elusive 50%, I’m more than happy with this average, which is my highest to date. It’s a personal best! 🙂

The above savings include top ups from £120 matched betting profits (from last month), another £25 premium bond win and £70.67 affiliate income from OddsMonkey (thank you to all those who joined via my link – much appreciated!).

Shares and Investment Trusts

I continued to top up existing investments.

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

This time last year, my Future Fund stood at £142,831. As at 31st December, it stood at £188,605.

The total capital I invested in 2019 was £15,838 yet there’s been an extra increase in my portfolio of £29,935 over the year!  Wow – I’m astounded!

I didn’t do anything special to achieve this – all I did was ignore the noise about political uncertainty and continue to top up/buy and hold my investments, reinvesting all dividends received. I also received a good dose of LUCK with the buoyant markets.  Although I did switch some of my equity ETFs into bond ETFs (for a bit more balance and stability), this seems to have affected income rather than growth.

My investments effectively made a loss last year, so realistically, this could well happen again in 2020.  I can’t expect it to be this good every year!

Dividends and Other Income

Dividends received this month: Continue reading

April 2019 Savings + other updates

Another month has whizzed by – late nights at work, gym sessions and nights out all  sort of melded together. Oh and GoT! 🙂

My spending usually starts hiking up over the spring/summer months so I really need to watch my eating out from now on, although looking at my diary, I’ve already got too many social events booked in and I have a full bank holiday weekend.

What else did I get up to in April? I was featured in a ‘Bloggers on Fire’ interview, went on a 7-mile walk, topped up my tan and also attended an ‘investment meet up’ – I’ll do a write up on this soon.

Although it looks like I’ve been doing a lot of late nights in the office, I’m not actually moaning or complaining, as things are actually pretty good at work. Business continues to grow so my volume of work has gone up. The work I do could be done at home but I don’t like working from home and I find that email or Skype tennis isn’t half as productive as face-to-face communication. I know there are ways I can work smarter but just need to smash through what I’ve got on at the moment.

Anyway, how did I get on in April with the numbers?

I saved 43.6%, only because much of my going out expenses went on my credit card so those will hit my numbers next month.

As predicted, I was not able to max out my 2018/19 ISA – I got up to £16,400 in the end and that included jiggling emergency cash and some matched betting funds into my cash ISA. I’m going to make a real attempt to max out the 2019/20 ISA, although it looks like I’ve made a poor start on this already with my spending! Must try harder.

The above savings includes top ups of £35 from TopCashback*, £200 matched betting profit (from last month) and £138.41 affiliate income from OddsMonkey (thank you to all who signed up via my links!).

Shares and Investment Trusts

No new investments, just added to existing ones.

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

The markets have been pretty buoyant lately as my Future Fund has shot up to £164,851.

Dividends and Other Income

A record-breaking month for dividends: Continue reading

Want to Twin Your Toilet?

In my 2019 goals, I mentioned my pledge to donate at least 10% of my matched betting (MB) profits to charity.

So far this year, I’ve donated £134 and with my MB profits standing at around the £1.4k mark at the last count, I’m pretty much there or thereabouts.

I’m now in a position to donate a further £60 to twin my first toilet (of two) this year.

Since I’ve already twinned both the toilets in my house (here and here), I’d like to gift this next toilet twinning to a lucky reader.

How to Win

All you have to do is drop me a comment below and you’ll be put in the draw to win a framed photo of your twinned toilet. Simples! 🙂 This draw is open to UK readers only.

The winner will be picked out of the hat Easter Monday evening – I will contact the winner by email so please ensure you have up to date email details.

How does this benefit the Charity?

I first came across the Toilet Twinning initiative after seeing a framed photo of a twinned toilet in some pub loo! It inspired me to read more about it and to support the charity.

So, the hope here is that the winner will proudly display said framed photo of their twinned toilet for all who use their loo to see and the charity benefits as the word and idea is spread.

Anyway, on that note, I hope you all have a very happy Easter break – I for one can’t wait as I’m pretty exhausted from work and need a couple of days to empty my head of stuff and catch up on my blog reading as I’m very behind on reading and commenting.