June 2024 Savings, plus other updates

June was a mix of work, social activities and work social activities. Oh and watching lots of football on tv (and not always enjoying it, in the case of England!)

I also celebrated my birthday this month – another year older, maybe or maybe not another year wiser!

I still don’t feel my age, although the occasional thing does make me consider how ancient old I’ve somehow become:

  • Attending a colleague’s (the bride’s) wedding and finding out that I’m older than her mother by a number of years;
  • Watching the youngsters knocking back their free drinks at work’s summer party, whilst I nursed my second pint and sloped off early, my thoughts on how I needed to function the following work day without a hangover/late night;
  • Overhearing a colleague sitting behind me ask her neighbour, “What’s a fax machine?” I felt compelled to explain to her and felt so old as I quipped “It’s how we sent documents before the internet…”.
  • Finally being able to draw down on my SIPP – I won’t yet, of course!

For my birthday, I had a day out at the races (Haydock) with friends, which was followed by a Pete Tong Presents Ibiza Classics gig. Not sure that was a mix which really worked that well, but it was a fun day/night out nonetheless.

I had some family stay with me this month, and we had a day trip to North Wales. Weather was beautiful for a bit of walking.

Cup and Saucer Waterfall, in Erddig, North Wales.

Anyway, halfway through the year already, how did my numbers look for June?

I saved 15.8% of my net salary. The above includes £40.63 from doing Prolific surveys, £5 charity lotto win and the £100 which Nationwide Building Society paid out to all its members.

Shares and Investment Trusts

I just topped up existing ones, no new investments, aside from an addition to my One Share Portfolio where I bought 1 share (using the above-mentioned Nationwide payout) in Novo Nordisk – I can’t ever see me needing to take a fat-busting drug but seems a lot of people do so for a variety of reasons, so now I got a bit of skin in that game!

This month, I also ditched my single share in Starbucks and jumped back on the Nvidia bandwagon. I had intended to only have 10 shares in this fun portfolio, yet now I have 11 – might just have to make it a sweet dirty dozen at some point…thinking about it!

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

The rocket continues its upwards journey! At the end of the month, my Future Fund was up, at £272,964.64.

Dividends and Other Income

A record-breaking month (for me) for dividend income:

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May 2024 Savings, plus other updates

May seemed to come and go in a blur of bank holidays.

I made the most of the long weekends and the decent weather – all fence panels (front and back) have been wood stained and I even did a paintjob on a pallet my sister was about to throw out:

Also an achievement of sorts for me – I’ve managed to somehow keep the poinsettia plant I bought at Christmas alive. I buy one every year for the festive period, and usually, all the lovely red leaves drop off one by one and I’m left with a dead plant by January.  This time however, I noticed that a few leaves were resolutely clinging on, so I continued to water it and then noticed that new leaves were growing!

Whilst my garden is looking quite green with early summer blooms, my veggies don’t seem to be doing that well; the spinach bolted (for the first time) and my tomato plants don’t look that great (started off some more seedlings to see how those will go). The courgettes are looking so-so, my spuds might be ok, but let’s see.

Anyway, how did my numbers look for May?

I saved 19.2% of my net salary. The above includes £38.75 from doing Prolific surveys and a £100 premium bonds win.

Shares and Investment Trusts

No new investments, I just topped up existing ones.

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

Buoyant markets saw the rocket make its return! At the end of the month, my Future Fund was sitting at £268,131.35.

Dividends and Other Income

A good month for dividend income:

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April 2024 Savings, plus other updates

Update is later than usual and I blame the sunny evenings and weekends, which had me spending more time outside, less indoors on my laptop (wi-fi isn’t great in the garden!).

April started off well with an evening out at the darts to witness teenage sensation, Luke Littler trounce seasoned pros – so cool and calm for such a young lad! This was my first time watching darts live – we knew what to expect, it was rowdy, noisy (a lot of singing which we took part in), the beer was expensive and the testosterone in the air was so thick you could cut it with a knife, but it was a fun evening!

Packed on a school night

However, the month didn’t end so great as I had various major repair works done on my car, which came to a total cost of £1,718.93.

Ouch! I was expecting a bill of at least £1k and my heart sank when they gave me the full quote but hurrah, my emergency funds came to the rescue! I need to focus more on topping it up to replace that big chunk removed.

Anyway, how did my numbers look for April?

I saved 15.8% of my net salary. The above includes £46.52 from doing Prolific surveys and £12 Grand National bet winnings.

Shares and Investment Trusts

No new investments, I just topped up existing ones.

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

No rocket in April as the markets appeared to stabilise. My Future Fund remained flat at £262,558.40 at the end of the month.

Dividends and Other Income

An average month for dividend income:

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March 2024 Savings, plus other updates

The days have brightened up and a bit of winter sun has been great for my spirit and soul!

I had a few extra days off as well as the Easter days. Over the bank holiday, I did the usual thing of going to B&Q and came away with a couple of plants and paint for the garden fences  (front fence now done).

Have enjoyed some nice relaxing days, pottering around the house and garden, planting some things so will see if those are successful.

Anyway, another month, another NI reduction, resulting in some extra pay in my wage packet. As with the last reduction, I will use this extra to overpay my mortgage.

Also, another month, another work bonus! This time, the annual discretionary bonus I get if the company hits its profit/growth targets and partly linked to my own performance.

I’m sure there was a time when I would have gotten hugely excited about getting a bonus, probably because it would have been already spent  on ‘stuff’ (and then some) in my head! When I saw it in my wage slip, I just thought, oh that’s nice and mentally divvied up how it would be invested etc. As with the last bonus, I split it across my ISA, SIPP, emergency funds and mortgage overpayment.

And on that positive note, how did my numbers look for March?

I saved 50.3% of my net salary. Normal savings rate shall resume next month! The above includes £87.44 from doing Prolific surveys and £50 football predictions winnings.

Shares and Investment Trusts

No new investments, I just topped up existing ones.

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

The rocket continues onwards and upwards, my Future Fund hitting £262,470.89 at the end of the month. Looks great but I can’t bring myself to get too excited about it (much!).

Dividends and Other Income

An average month for dividend income:

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