November 2019 Savings, plus other updates

So it was Black Friday the other day – anyone pick up any bargains?

I should have probably done some Christmas shopping but the only thing I purchased  that day were more investments! My FIRE focus didn’t waiver!

Were the investments ‘on sale’? No idea – I’m sure I’m not alone in not checking the price of a Vanguard ETF before investing, except to make sure I’ve enough cash to invest.

I feel like I’ve caught up a bit on things this month, got myself a bit more organised, including sorted out my tax stuff. I even got round to having my tattoo to commemorate my half-century – it’s only visible when I remove my clothing so I’m not growing old too disgracefully!

In terms of blog reading/commenting, I’ve found that many of the usual blogs I follow haven’t been updating as much as before – have we reached Peak FIRE?

Still discovering and enjoying new UK blogs, but some of the older ones have been pretty quiet lately – hopefully they’re just too busy just getting on with the business of aiming for FIRE.

So, how are my numbers looking?

I saved 44% of my net salary! A larger than usual credit card bill due to social activities meant that I didn’t hit 50% but I’m happy with this.

The above savings includes top ups of £40 matched betting profit (from last month), £133.15 affiliate income from OddsMonkey (thank you to all who signed up via my links!), £10 lotto winnings and £50 Premium Bond 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 

Either the markets were buoyant or it’s just a result of pound sterling taking a bashing  (probably the latter) but my Future Fund jumped quite a bit this month, up to £182,861.46.   And there was me hoping that I would end the year at £180k but we’ll see what happens after the General Election…

Dividends and Other Income

A better month for dividends: Continue reading

October 2019 Savings, plus other updates

Hope you all had a happy Brexit Day Halloween!

My ‘confused’ effort on the right!

October felt like a month where I had a lot going on but hardly anything was achieved.

I’m behind on loads of things – my reading, my paperwork, my tax return (meant to submit this month), my TV watching, my blog reading/commenting, my blogging.

That said, I bought a new mobile phone as my old one has been freezing and rebooting for months (used matched betting profits again for the purchase) and I’ve been out on a few social outings, completed a 13-mile walk in the rain (again!) for charity with work and been to the cinema a couple of times (to see Ad Astra and Terminator: Dark Fate).

My social calendar is pretty much filled up for November already so I hope I don’t continue to fall behind on stuff.

Am I also behind on my numbers? Let’s see how I did….

I saved 51.3% of my net salary! With my sis contributing towards household bills, I’m able to put away more of my money but as mentioned before, at some point, all my utilities direct debits will go up so my savings rate will revert closer to the norm.

The above savings includes top ups of £40 matched betting profit (from last month), £67.74 affiliate income from OddsMonkey (thank you to all who signed up via my links!), £30 from Siteground* affiliate income (thanks Tom!) and £57.01 from TopCashback*.

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 markets were all over the place this month and despite adding new capital, my portfolio value went backwards down to £178,832.19. As usual, I’m keeping calm and carrying on investing!

Dividends and Other Income

A slightly disappointing month for dividends: Continue reading

September 2019 Savings, plus other updates

Update is later than usual but this might become the norm, not sure. Still no real blogging routine yet and I wasn’t about during the weekend to get this out.

Anyway, for those concerned, my nephew survived the few days with me, wasn’t late for school once and didn’t miss his bedtime (by much… 🙂 )

So how did I get on in September with my savings?

I saved 52.9% of my net salary! This was the first month that my sis contributed to household bills since she moved in and I invested the cash straight away.

Of course, at some point, all my utilities direct debits will go up, with me no longer being in the house on my own, but I’ll save as much as I can while I can!

The above savings includes top ups of £120 matched betting profit (from last month) and £126.22 affiliate income from OddsMonkey (thank you to all who signed up via my links!).

Shares and Investment Trusts

Thinking about greener investments, I started investing in Greencoat Wind UK plc.

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

With the pound taking a pounding and markets generally on the up, at the end of the month, my portfolio stood at £179,130.49. This puts me in really good stead in my race to £200k, although with Brexit (or not) looming, who knows how things will look by the end of October.

Dividends and Other Income

Another fairly average month for dividends: Continue reading

August 2019 Savings

Just the basic numbers update as I’ve found only a small window of opportunity to post this!

So how did I get on in August?

I saved 46.5% of my net salary – not bad, and the good news is that this should continue to improve as my family settle in (separate post on that at some point…).

The above savings includes top ups of £43.27 from TopCashback*, £80 matched betting profit (from last month) and £68.74 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 lot of up and downs but my portfolio seems to have weathered it quite well, not moving much at £174,085.

Dividends and Other Income

A fairly average month for dividends: Continue reading