October 2017 Savings, plus Other Updates

Another blur of a month, not one of my favourites with the beginning of winter and the dark mornings/evenings.

A new member to the team at work has kept me extra busy but in a good way.  I can’t believe I’ve been at the company for 6 months already – time evidently flying while I’m having fun…

Still no progress on the kitchen – I’m facing a real possibility of it not being completed before the end of the year!

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

I saved 37.8%. Surprisingly a slight improvement on last month but not by much. With Christmas shopping in my sights (at some point very soon), it’s not going to really get any higher than this.

My average for the year has now dropped to 44.6%. I’m not going to reach my target  but will be satisfied with it above 40%.

The above savings includes £575 matched betting profits (which includes the purchase of some shares in BrewDog* as mentioned in a recent post) and £98.05 affiliate income from OddsMonkey (thank you to all those who joined via my link – much appreciated!).

Shares and Investment Trusts

I sold my De La Rue shares to take 53% profit (including dividends received over the three years I’ve held the stock).

I don’t usually sell any of my shares, mainly because my strategy is to buy and hold, but as I want to simplify my portfolio, I’m selling off stocks off bit by bit and reinvesting the profits.

The funds from this sale will be added to my usual monthly capital to top up one of my existing ITs.

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

Markets were on the up this month, boosting my Future Fund, which now stands at £129,187. Another step towards my next big milestone!

Dividends and Other Income

Dividends received this month: Continue reading

Toilet Twinned

I’ve committed to donating at least 10% of my matched betting* profits to charity by the end of the year. So far, I have donated a total of £460.

In the scheme of things, it’s a tiny amount, but it’s still a few hundred quid which I could be chucking towards my own savings and investments (or holidays!) and it’s more than I’ve ever donated in the past.

One of my goals this year was to ‘twin’ my toilet with a block of toilets at a school via Toilet Twinning for a £240 donation and I have now achieved my goal (this amount is included in the above £460 figure).

We are far from living in the dark ages yet there are still millions of people around the world today who are not able to ‘do their business’ in a sanitary and safe toilet. Imagine having to worry about your own health and safety every time you wanted to go? Stressing about whether there’s any toilet paper seems so trivial in comparison!

Anyway, I’ve made my donation and have received a nice framed certificate/photo of my twinned toilet (in Guatemala):

 Some might think this framed photo is an extravagance on the charity’s part, but Toilet Twinning first came to my attention when I saw a similar framed photo in the toilet of some pub. Perhaps guests to my house might be intrigued enough with the photo to find out more about the charity.

I intend to continue to support this cause so will aim to twin another toilet block next year (to the other toilet in the house!).

According to the website, it’s possible to twin someone else’s toilet, so perhaps in the future, I’ll twin a ‘lucky’ reader’s loo, if there’s any interest for that sort of thing, haha!

Other charities I’ve been supporting on a regular basis are Age UK, Macmillan Cancer Support and British Red Cross as well as adhoc charities (eg sponsoring friends and colleagues).  I’ll probably add one or two more to this list as time goes on.

[*referral link]

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

August 2017 Savings, plus Other Updates

A month of distraction, therefore a month of higher-than-usual spending and I think some of this might overlap into next month as I used my credit card to pay for some stuff towards the end of the month.

I had family staying (again) so enjoyed some days out, quite a bit of eating out and also had some fun playing cricket in the garden with my nephew. Don’t ask me the rules though, I only know the bare minimum!

Had a weekend away at V Festival (the awesome Pink was headlining). As well as for the music and the atmosphere, I love going to festivals as they’re the only places where I think you can safely people watch (as in really people watch), ie staring at what they’re wearing (or not as the case may be!) and at their tattoos (of which a lot were on show) and nobody bats an eyelid! There’s only so much of that you can get away with on a night out in town without causing trouble!It’s a pity that the only thing available to drink was crap beer (“probably the best worst lager in the world”) but that didn’t stop me from drinking large quantities of it! My fellow festival goers were on wine, which I believe was not a great vintage vile and just got them drunk quicker – apparently, as time went by, it started to taste better!  The weather wasn’t great and although we had a few hours of sun, it was just rain later on but we were prepared!

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

Well, I saved 36.2%. Although still a fairly decent chunk of my salary, as expected, it’s lower than my usual figure.

My average for the year has now dropped to 46.3%. With only four months of the year left, I have a feeling I am going to struggle to hike it back up on track. My social diary is starting to fill up, I have a pretty big holiday in a couple of months time and although I will try to keep spending in between these events low, inevitably, my savings rate will continue to take a hit.

Of course, I could always sacrifice my social life just so that I could hit my goals but that’s not something I’m prepared to do right now or in the foreseeable future, if I’m honest. As and when I get close to my end goal however, I may change my tune.

The above savings includes £100 from matched betting profits and £62.81 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 portfolio can be found here.

Future Fund 

Despite the slight wobble in the markets, with extra capital added, my Future Fund continues to grow and now stands at £125,946. Slowly plodding on towards my next big milestone!

Dividends and Other Income

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