October 2024 Savings, plus other updates

Just the numbers really as I’m flat out at work and at home.

Plus I’m exhausted.

But holiday soon though, hence the ‘busyness’.

And my wrist is better, though not 100%.

Anyway, here goes for October!

I saved 22% of my net salary. The above includes £86.94 from doing Prolific surveys and £60.03 from Google Adsense.

Shares and Investment Trusts

No change here.

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

My Future Fund continues its upward trajectory, flying in the face of doom and gloom, the government’s new budget barely caused a ripple. At the end of the month, my FF stood at £287,102.05.

Dividends and Other Income

A so-so month for dividend income: Continue reading

September 2024 Savings, plus other updates

I’ve sprained my wrist badly and have been in pain this past week or so. I’m not having to take painkillers daily any more so it must be getting better, but it’s still quite sore at times.  I am slowly getting some movement back but really need to rest my hand.

Typing one-handed has not been easy and I’ve not been able to face using my laptop outside of work hours, so apologies for the update delay.  Can’t even contemplate how I would have coped if I had a manual rather than a desk job.

How did I do it? I hurt it at the gym, as I was returning equipment… Didn’t think/know I had injured myself and carried on regardless, which was a big mistake. I forget I am not so young and invincible!

Not being able to drive had me wondering if I could survive without my weekly grocery shop and just live off what’s in my fridge, freezer and cupboards – of course, why not turn my injury into a FIRE frugality experiment, haha? 🙂

The answer was ‘yes’ – apart from a couple of jars which I couldn’t open (or didn’t want to risk getting the contents all over me), I have been fine and have had fairly decent and healthy meals. The only things I found I was low on was fresh fruit and eggs.

Perhaps I should consider periodically doing a no-shop week, just to use up what I have already.

Other things which happened this month (apart from the wrist injury):

  • I had family visiting at the beginning of the month so it was nice having them stay a while and for them to check out my pad for the first time.
  • My homebrew is still brewing, so will leave for another few weeks. I don’t drink so much these days so am glad I didn’t make a big batch!
  • Wept (with joy/emotion) when I heard Linkin Park’s first new single in 7 years.
  • Lost a friend – by ‘lost’, I don’t mean as a result of death, but as in they have decided to take their friendship elsewhere. Ghosted on WhatsApp, but not just me, all the other friends in our group too, so for whatever reason, she fell out with all of us/didn’t want to be friends with us any more after nearly 12 years of friendship. Very odd, except that this has coincided with her moving house to a quite well-to-do location in the countryside. We can only guess. We were all worried about her until we saw on FB that she had ‘new’ friends. Well, good luck to her – perhaps she needed a fresh start.
  • Won a Fitbit and £200 Amazon vouchers in work’s charity raffle – not bad for £40’s worth of tickets bought! Am well happy with that, although would have loved to have won the top prize, which was a week’s stay in the CEO’s villa in Portugal!

Anyway, how did my numbers look for September?

I saved 18.6% of my net salary. The above includes £46.14 from doing Prolific surveys and £10 bet winnings.

Shares and Investment Trusts

I sold my holding in Balanced Commercial Property Trust as the board of BCPT recommended to sell the company to a private investment company, so I decided it was time to exit after holding for many years. Funds from the sale have been split between existing holdings and new purchases in Twentyfour Select Monthly Income Fund and Global X ETFs Nasdaq 100 Covered Call ETF – will see how these two get on…the latter is a bit spicy!

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

Against the doom and gloom in the national and global press, the rocket is back! By the end of the month, my FF was up to £282,740.69.

Dividends and Other Income

A good month for dividend income: Continue reading

August 2024 Savings, plus other updates

Another blur of a month – busy at work, busy socially.

After it all ended, I felt like I had Olympics withdrawal symptoms; I had found watching all the different events just a great way to wind down – well done to all of Team GB for their efforts. I’m currently tuning in to the Paralympics.

Some good news for me this month was that the Bank of England’s base rate was cut from 5.25% to 5%.  As I am on a variable mortgage rate, my mortgage payment will be lower in September. The 0.25% I am now saving will be put towards my mortgage overpayment.

Green(ish) Fingers

Despite only garnering a single cherry tomato and a few potatoes as the sole fruits of my gardening labours so far this year (more to come, I hope!), overall I’ve been pretty happy with my efforts.

My flowers and shrubs have really bloomed this year and I’ve been doing a fairly decent job of keeping on top of the weeding and watering. I just stick a podcast on or listen to my favourite tunes and a pleasant afternoon passes by as I potter around the garden.

Aside from the paint I bought for the pallet, I’ve not really spent much on the garden this year; got some free seeds and plants from friends and did my own propagating (mostly successful) to get more plants.

Next year, I will need to spend on some bigger pots/re-potting, as some of the plants are fast outgrowing the pots they are in.

My indoor plants have done well too (pesky fungus gnats aside!) – got some lovely blooms on an orchid I bought nearly 3 years ago – only a few flowers last year, but it sprouted 14 flowers at the same time this year!

Anyway, how did my numbers look for August?

I saved 18.6% of my net salary. The above includes £59.64 from doing Prolific surveys, a £5 charity lotto win and £63.78 OddsMonkey referral fees (yes, I am still getting them, so thanks whoever!)

Shares and Investment Trusts

No change here.

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

Some volatility in August paused the rocket’s trajectory but things didn’t look too bad by the end of the month, just slightly down at £278,868.07.

Dividends and Other Income

A decent month for dividend income: Continue reading

July 2024 Savings, plus other updates

I am in dire need of a holiday.

I’ve not been able to book my annual leave as been trying to sort out the best time to see my family and seems like that won’t be til later in the year.

As it is, I am currently covering for my colleague’s annual leave and shortly after, my boss will be on her holidays. The August bank holiday weekend can’t come soon enough.

I know I have always said to myself that I shan’t sacrifice my social life in the pursuit of FIRE but I think I might need to start cutting back. Not just from a finance point of view (although it is bloody expensive going out!) but from a sanity perspective.

Last week, I attended the following:

  • Weds – Works leaving do, drinks after work
  • Thurs – Met up with ex-colleagues, food and drinks after work
  • Fri – Met up (again) with fellow FIRE blogger LateStarterFIRE, who was over from Australia, food after work
  • Sat – family meal
  • Sun – Walk in park with WI ladies

All were very pleasant and yes, I’m glad I went, and while none of them were late or drunken nights, I felt mentally exhausted after it all. Perhaps I just need to ensure I spread these dates out a bit if I am able.

Monevator’s latest post talks about introverts and I think I have become more introverted over time (with lockdown helping things along). As I mentioned in my reply to that article, a very quiet weekend might have me just talking to no one but Alexa and I’m fine with that!

I have been so glad that the Olympics have been on so that I have been able to disengage my brain and just lose myself watching supreme athletes do what they do best.

Anyway, how did my numbers look for July?

I saved 22% of my net salary. The above includes £67.94 from doing Prolific surveys.

Shares and Investment Trusts

I offloaded ADIG (abrdn Diversified Income and Growth plc) for a loss and spread the funds across other investment trusts.

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

The rocket continues to blast upwards, but with the bottom dropping out of the market these past few days, the picture will look rather different when I do my August update! At the end of July, my Future Fund was up, at £280,398.75.

Dividends and Other Income

An average month for dividend income: Continue reading