November 2016 Savings, plus other Updates

Have finally recovered from work’s Christmas party/leaving do! Hangovers get so much worse as you get older!

Anyway, it was probably one of the best parties I’ve been to – lots of mixed emotions but what I do recall was a lot of fun and laughter.

Work for me is winding down a little as I begin to hand over the rest of my responsibilities. Not long to go now.

Anyway, how do things look on the numbers front?

nov16saved

So I managed a savings rate of 38.1% – gift-buying has taken its toll a little here but still not too bad. I’ve only a few more items to get now so for me to be able to have a decent savings rate is still a big achievement for this time of year.

My average savings rate however continues its downward trend  –  it’s now at 45.2%. If I can get it to be at least 45% by the end of the year, I’ll be well happy.

This month’s income was boosted by £50 from rent received and £10.36 from TopCashback*.

Future Fund 

Markets went a little wobbly this month, so my overall portfolio dropped a little and now stands at £86,188.

Dividends and Other Income

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

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