Not sure where November went – it was a bit of a blur.
I went to the Lake District for the first time ever to participate in my (kind of) new hobby, walking.
I know, Tuppenny, beautiful countryside merely 1.5 hours away in the car, pretty much on my doorstep and yet I’d never been before! No excuse really, just never crossed my mind!
Would definitely go back, it was lovely, although I’m not sure I’d want to live there long-term, bit too remote for my liking and I’m not fond of driving down country roads. Perhaps there’s too much of a City gal in me.
Anyway, stayed in Bowness-on-Windermere and went on the Grasmere to Alcock Tarn walk (around 9 miles).
Typically, it was raining and cold but after the extreme weather I experienced in Snowdonia, this was a bit of a doddle and felt quite mild :-). Although there was a part of the walk where we had to cross a fast flowing stream, jumping over slippery rocks and I ended up with what felt like half the stream in my boot!
Anyway, how did I get on with my savings?
I saved 36.3%, which sees my average savings rate going down a little to 43.7%.
Not bad really, although I’ve not done much in terms of any Christmas shopping yet.
For the first time, I actually bought something on Black Friday but it was on behalf of family. I did make one significant purchase this month – a new mattress after checking out Kiernan’s mattress review website as I didn’t know what to get. Suffice to say, I’m very happy with my purchase, although there were some shenanigans regarding delivery.
The above savings includes top ups from £240 matched betting profits (from last month), £10 lotto winnings and £124.50 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.
AJBell Youinvest had their own Black Friday offer (fee-free trades) so I took the opportunity to finally offload my Vodafone shares. Yield is currently an insane 7.9% but I’m not confident this will continue in the long term. With the loss in capital and dividend income over the years I held the stock, I probably more than broke even (would have been a loss if I’d paid trading fees to sell).
Speaking of AJBell, I’ve applied for shares for when they float on the stock exchange later this month. The shares probably won’t be as lucrative as the Hargreaves Lansdown ones (which sadly, I didn’t buy) but as an existing customer of theirs, I thought they’ll be worth a punt.
Current share/IT portfolio can be found here.
(Entire portfolio here)
The markets appear to have recovered a little so my Future Fund is heading in the right direction again, sitting at £146,601.
I’m resigned to the fact that I’m unlikely to end the year >£150k unless there’s going to be a really really generous Santa Rally!
Dividends and Other Income
So, wobbly markets or not, my dividends continued to roll in regardless: Continue reading