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! ūüôā

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! ūüôā

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 Рmuch 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

July 2019 Savings + other updates

The month of July seemed incredibly short. I enjoyed the bouts of heatwave – yes, even in Manchester!¬† Funny how the same people moaning about the heat are now moaning about the rain…

This month also saw me attempting to clear out some space around the house in anticipation of my sister and nephew moving in soon – that’s come round fast, yikes!

Anyway, how did I get on in July?

I saved 44.3% of my net salary – delayed holiday costs took the remaining chunk of my bonus so I wasn’t able to boost my savings rate after all. I am actually saving a little more though, my 3% pay rise is in there!

The above savings includes top ups of £100 from a webinar (more on this later), £20 matched betting profit (from last month) and £74.38 affiliate income from OddsMonkey (thank you to all who signed up via my links!).

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 

A combination of the rock-bottom pound sterling and markets going up has meant a big jump to ¬£173,204. I’m not getting too excited though – still plenty of political shennanigans which could make it drop right down again!

Dividends and Other Income

A record-breaking month for dividends: Continue reading

June 2019 Savings + other updates

Just back from my hols, so here’s my belated update for June.

This month saw numerous social outings with friends, interspersed with meeting new people at my second investors’ meet up in Manchester (similar to the first one, except in the evening) and attending my first crowdfunding event.

Reaching my milestone age and attending these events nudged me to reconsider the allocations in my portfolio. After revisiting some old Monevator posts, including one on age and portfolios, I’ll be starting to implement some small initial changes – I’ll sort out a post on that soon.

So, how did I get on in June?

I saved 50% of my net salary! I should have/could have saved more as I received the second part of my small annual bonus this month. However, I’ve put some funds aside to cover for some holiday spends, some of which may carry over into July. Perhaps a missed opportunity to really bump up my savings rate but it’s been an expensive month!

The above savings includes top ups of £33.68 from TopCashback*, £60 matched betting profit (from last month), £50 from another premium bond win and £74.67 affiliate income from OddsMonkey (thank you to all who signed up via my links!).

Shares and Investment Trusts

I opened a small new investment in The Renewables Infrastructure Grp Ltd (TRIG) but mostly added to existing investments. I also made a small crowdfunding top up to my Freetrade investment.

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 risen to £169,631.

Dividends and Other Income

A decent month for dividends: Continue reading

May 2019 Savings + other updates

The month started off with a welcome £50 win on the premium bonds (2 x £25).

It was then pretty much just a blur of work, gym, a lovely weekend away (which will be in a future blog post) and a trip to the cinema to watch ‘Avengers: Endgame’ (which I thought was epic). Is it wrong to take my own water and snacks to the cinema?

There were a couple of unexpected costs which had me dipping into my emergency fund – the down-pipe/gutter at the back of my house had blown down so I had to get that fixed and my car failed its MOT, requiring a new tyre and repair to windscreen washer.

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

I saved 39.3% of my net salary, which was better than I thought as some expenses (holiday ones) have been carried over into June on my credit card.

I should be due the second part of my work bonus next month, plus a small pay rise will come into effect, so should in theory, be able to save more of my salary.

The above savings includes top ups of the above-mentioned £50 premium bond win,  £67.40 from Google Adsense income and £138.30 affiliate income from OddsMonkey (thank you to all who signed up via my links!).

Shares and Investment Trusts

As mentioned recently, I sold some AJ Bell shares (which I acquired from IPO) and used this money to open up an investment in International Biotechnology Trust.

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

The markets have been rather jittery this month I believe and my Future Fund has gone a little backwards at £164,227. Nothing to worry about, just continuing to invest.

Dividends and Other Income

Compared to last month, a more typical amount of dividends received. Continue reading