Category Archives: Portfolio

March 2018 Savings, plus other updates

Posted on by
33

Sorry, you’re probably getting fed up seeing this image again but I’m not! 🙂 Another premium bond win of £25 means three wins in a row (a ‘Turkey‘, if I was ten pin bowling!), a record for me!  Can I make it a four-bagger!?

At work, it was decided that despite the company not hitting their global year-end target, we would still be paid a bonus. That bonus was a whopping 1% but hey, I’m not complaining as that’s still more than zero. Anyway, with nothing better to do with it, I’ve invested the full bonus amount.

So, how did that affect my savings this month?

I saved 56.6%! My average savings rate has now gone up to 53%.  I however still haven’t gotten round to booking my holiday, plus I have a super-busy social calendar in April so the high rate may provide me with a bit of a cushion when my rate drops over the next month or so!

The above savings was topped up with my £25 Premium Bonds win, £62.81 affiliate income from OddsMonkey (thanks to all who signed up via my links!), £300 matched betting profits and £50 rent received.

As I don’t earn enough to max out my ISA (the max being £20k in a tax year), this past week has been spent shaking down piggy banks and scrabbling behind the sofa to find anything to top it up before the end of the tax year, due to the ‘use it or lose it’ factor.

I managed to find a bunch of old £1 coins so these have been banked – every pound counts and they went towards helping me pay £15k into my ISA. Last year, I managed this amount with the help of some of my redundancy pay (when the max for an ISA was £15k) so I’m really chuffed with this achievement.

I’m sure some of you might be wondering why I’m also paying into my Emergency Fund instead of concentrating on my ISA – well, I took a chunk out for ’emergencies’ last year so need to top it back up. Once I get it back up to >3 month’s worth of expenses again, I can chuck more into my ISA.

Shares and Investment Trusts

I started investing in HICL Infrastructure Company Ltd this month. Think that’s it for new investments for a while, I’ll just top up existing ones for the rest of the year.

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

Wobbly markets again apparently. As before, I didn’t follow the daily ups and downs, just got the month-end figure for my update. My Future Fund stands at £130,574 – it’s down 1% from last month, but whatever, I’ll just continue investing as normal.

Dividends and Other Income

Dividends received this month: Continue reading →

February 2018 Savings, plus other updates

Posted on by
37

Perhaps it was just as well that I had a frugal January, which was quiet and without incident, seeing as February was almost the opposite, though it was a mix of good and not-so-good.

Good Stuff

Several social outings with friends did the world of good to banish away some January blues!

Work has been manic but manageable –  the leadership team were over from the US, and my colleague and I were described as a ‘Dream Team’ – hope they remember that when they’re dishing out the pay rises, haha!

I received a surprise letter from a building society regarding a ‘failed’ PPI claim I’d made last year, which advised me that following the FCA’s updated regulations, I was actually entitled to payout so I received £74.40 – thanks very much!

Then, it was another month, another premium bond win, with £25 going into the pot with the other winnings!

Also, I kicked off my home brewing again as I had a ‘window of opportunity’ before work on my kitchen is finally completed. I’d forgotten how much effort it all takes but it was an enjoyable kind of effort and my kitchen smells like brewers hops now! A full update once I have a (hopefully) nice IPA to sample!

Chinese New Year came and went with its usual associated family expenses which were (mostly) budgeted for. May the Year of the Dog be a happy, prosperous and lucky one for all!

Not-So-Good Stuff

That first cold snap we had in the month, my boiler broke down so I was without heating and only intermittent hot water for 3 days. Fortunately, I still had the use of a gas fire, made the most of the shower facilities in my gym, plus the call out and subsequent repair was covered by my boiler plan.

Next, my PC of 8 years decided to break down. I spent 3 days trying to fix it myself (via youtube vids) but as I didn’t want to make the problem any worse, I had to call in an expert. The repair and replacement hardware took a chunk out of my emergency fund but it’s all running like new again so here’s to another 8 years.

Savings Stuff

So, how did I get on with my savings this month?

Ok, I saved 43% – not as bad as I thought it was going to be if I’m honest. My average savings rate now drops to 51.2%.  As I’ll be booking my holiday in the next month or so (which may turn into a ‘holiday within a holiday’), I’ll just need to keep a cap on some other spending over the next couple of months so my average doesn’t drop too much, though I won’t go full-out frugal again like last month (too soon!).

The above savings was topped up with my £25 Premium Bonds win, £74.40 from the PPI claim and £85.73 affiliate income from OddsMonkey (thanks to all who signed up via my links!)

Shares and Investment Trusts

I started investing in Scottish Investment Trust this month, for more diversification.

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

The news in February was all about the crisis – I’m talking stock market, not KFC chicken, haha – which I pretty much ignored at the time.

What I do know is that at the end of the month, my Future Fund stands at £132,249 – yes, it’s gone down a bit from last month, but in line with my long-term plan, I’ll just continue investing as normal.

Dividends and Other Income

Dividends received this month: Continue reading →

January 2018 Savings, plus other updates

Posted on by
29

Anyone do ‘Dry January’? Although some of my friends and family did, I didn’t bother. Since I don’t drink during the week, I see little point in depriving myself at weekends. Apparently, my sister failed on day THREE, haha!

Anyway, this month I tried to lead a frugal nun-like existence. That meant turning down social events, no eating out/takeaways (massive assumption here that nuns don’t have social events, eat out or have takeaways…).

My only purchases were basic groceries (including necessary toiletries), a gift voucher (for nephew’s birthday), stamps and a pair of socks. No January sales for me.  Packed lunches for work, except for perhaps on 4 occasions where I spent less than £2 on my lunch.

On the one hand, it felt great knowing that I was going to save more of my salary this month. On the other, the frugal existence didn’t make me feel too happy and in the end, to preserve my sanity, I succumbed and forked out to see the latest Star Wars film at the cinema.

I think I already have my expenses and spending down to a decent level allowing me to save/invest whilst enjoying life – there was probably no need for me to do a frugal January but I thought I’d try it anyway. I have to say it’s not something I’ll be attempting again in a hurry, not to this extreme.

So, did my being very frugal affect how I much I saved in the first month of the year?

Yes, because I saved 59.3% – it could have been more if I didn’t have some December expenses on my credit card bill.

I know, I know…imagine if I could do this every month! But no, living like this isn’t something I would choose to do long-term, even knowing that it would help me achieve my goals quicker. I guess I’m just not in that much of a rush!

The above savings include my £25 Premium Bonds win, £16.32 from TopCashback*, £63.22 from Google Adsense (my annual payout!), £71.16 affiliate income from OddsMonkey, £130 matched betting profits, and £50 rent received.

Shares and Investment Trusts

I started investing in Witan Pacific IT this month, for some diversification.

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

The rise of sterling and small wobbles in the market caused my Future Fund to stay pretty much the same at £133,045, despite the capital injection this month. Whatever, I’m just going to continue investing anyway.

Dividends and Other Income

Dividends received this month: Continue reading →

December 2017 Savings, plus Round Up

Posted on by
29

Well, I hope you all had a fabulous Christmas, full of sumptuous food, loads of drink and festive cheer! I travelled south to celebrate the holidays and spent some excellent quality time with some family and friends, increasing my waistline further in the process!

Interesting sights in London (Peckham)…

Not even missing my flight home on Boxing Day (the M25 was closed for several hours following an accident, so I couldn’t get to the airport in time) really spoiled things for me – I booked myself into a hotel, spent the evening reading and took the first flight home the following day.  Of course I wasn’t particularly happy that I had to unexpectedly fork out an extra £150 but I’m just glad that my flight wasn’t grounded by snowy weather.

So, how did I do in the last month of the year?

I saved 37.8% – surprisingly higher than expected but some expenses will appear on next month’s credit card.

My average for the year ended up at 42.4%. Although I didn’t achieve my goal (again) to hit that elusive 50%, I’m pretty happy with this average.

Anyway, December savings include £62.81 affiliate income from OddsMonkey (thank you to all those who joined via my link – much appreciated and hope you’re enjoying matched betting!).

Shares and Investment Trusts

I just topped up existing investments this month.

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

I believe Santa put in a Rally, pushing the FTSE 100 to yet another all time high –  my Future Fund ends the year at £133,063, an increase of 46% from the start of 2017!  This increase is almost entirely due to extra capital invested (mostly from my redundancy payment) and not from any ‘investing skills’. I will add however that my investments have benefited from dividends re-invested and uplift from the downtrodden sterling.  I continue to creep towards my next big milestone, for now!

Dividends and Other Income

Dividends received this month: Continue reading →