March 2022 Savings, plus other updates

In my world, March was another good month – funny how just a bit of sunshine really lifts the spirit.

Courgettes and leek sprouting, with the help of recycled toilet roll tubes and food cartons!

I tentatively planted a few seeds and these are doing well already.  Hoping to do more over the coming weeks.

There was good news work-wise – firstly, I got paid my (discretionary) annual bonus.

Secondly, I was among several employees who picked up an award for ‘exceptional services’ in 2021 – our reward will be a trip somewhere in Europe (once Covid restrictions have died down), so that’s something to look forward to. It would be great if it’s a country I’ve never visited before.

Anyway, with one quarter of the year over already, let’s take a look at my numbers:

I saved 34.1% of my net salary.  The above includes £92.99 from doing Prolific surveys.

Previous years have seen me achieve a savings rate of over 60% or 70% during bonus time, but although I would have loved to have been investing more while the markets are still down, the large majority of the bonus will have to go towards some critical work which I’m getting done in a couple of weeks (sorting out my unsafe driveway).

Shares and Investment Trusts

No changes here, I just topped up existing investments.

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

Did the stock markets hit rock bottom last month?

Who knows but signs of a recovery propelled my Future Fund back up a little, finishing at £232,209 by month end, pretty much back to where I was at the end of 2021. Check out that ‘W’!

Dividends and Other Income

I love seeing my dividends roll in and it was another decent month for income:

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February 2022 Savings, plus other updates

Thoughts go out to the people of Ukraine.

I can do nothing except make a financial donation to charities helping the people in crisis over there.

Meanwhile…

In My Little World

In my little world, February was a good month, including several social nights out with friends and an actual works leaving do  – colleagues had been slinking off over the past year or so with no thanks or fanfare so it was nice to give someone a good send-off.

There was also the Manchester FIRE pubmeet, which was the usual eclectic mix of people at all different stages of their FIRE journeys, and was the usual engaging, enjoyable and interesting event.

Work ran a ‘Compliment a Colleague’ on Valentine’s Day, where you could submit an anonymous (or not) Valentine’s compliment or message to a colleague (all compliments and messages vetted by HR to ensure nothing inappropriate was sent, otherwise it could have been carnage, with an office full of young twenty-something lads…)

I received the following compliment:

Dear Weenie

You are awesome at your job and so patient with people!

I appreciate our chats and think you’re an amazing person – kind, smart and funny. You rock!

It was sent anonymously but I know who sent it and I was extremely touched to receive the compliment from them!

Anyway, enough of that warm fuzziness, let’s take a look at the numbers for this month:

 

I saved 22.6% of my net salary.  The above includes £37.96 from doing Prolific surveys and £61.63  from Google Adsense.

Shares and Investment Trusts

No changes here, I just topped up existing investments.

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

It’s obvious that war causes uncertainty and volatility so the markets continued to dip.

I have no insight (who does?) as to what will happen next but as I think my portfolio is mostly diversified, I just continued to invest as normal according to my plan.

My Future Fund continued to fall, settling at £223,780 by month end, down by 3.6% YTD.

 

I’m almost back to where I was a year ago!

Dividends and Other Income

Another hurrah for dividends, which are a welcome sight when stock prices are plummeting:

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January 2022 Savings, plus other updates

I was in the supermarket doing my weekly shop when my phone rang and I saw it was my sister.

“I’ve got COVID,” she mumbled, “You’d better get tested asap!”

Great – I’d been round at hers for dinner the night before!

I finished my shopping as quickly as I could (fortunately, I had continued to wear my mask), giving wide berth to other shoppers where I could.

The good news was that I was negative, so I’ve managed to escape it for another day!

However, I feel like I’m living on borrowed time and that it will get its grubby little viral mitts on me at some point.

Not today!

PS – sis is ok, just has mild flu-like symptoms.

So where has this month of January gone – it’s just whizzed by!

The bursting inbox I faced upon my return to work starkly reminded me of why I continue to pursue FIRE – at some point, I’ll be able to choose not to have to deal with crappy unimportant emails!

Boris said it was safe to go back into the office so I did and it was nice to catch up with colleagues and be in the city centre. I took the opportunity to visit the library and it was so nice to browse the bookshelves.

I think post-COVID (such as it will ever be), the company will continue to implement a hybrid working policy, which is fine by me.

House-wise, all immediate repairs/replacements have finally been done inside the house. This was such a relief finance-wise but also, I’ve had my fill (not literally) of tradesmen and their builder’s bums, haha!

It’s been quiet on the social front – my friends have kept within their immediate circles so I haven’t seen them, apart from a quick lunchtime coffee catch up, but we have a couple of dates pencilled in for February.

I’ve been quite happy having quiet weekends in, starting the day competing against family in the daily Wordle (we’re very competitive!).

Been pottering around the garden doing a bit weeding, clearing away leaves, digging up the beds and planting a small tree. I’ve found that gardening is a time when I can listen to (and enjoy) podcasts.

When not outside, I’ve been wallowing in some ‘comfort tv’, namely ‘Downton Abbey‘ – I know, I never watched it when it was on over 10 years ago, just enjoying it now in my own time!

The gym is currently unbearably busy with new year enthusiasts – it probably isn’t really that full but I’ve been used to it being quieter, so am looking forward to things calming down when people start breaking their NY resolutions!

Anyway, let’s take a look at the first numbers for 2022:

I saved 18% of my net salary.  The above includes £69.62 from doing Prolific surveys.

Shares and Investment Trusts

I offloaded my holding in Hipgnosis Songs (SONG) for a small loss (a couple of quid) – the recent Spotify/Neil Young incident has shown that the whims/control of song artists represent an added unforeseen risk/variable in this investment that I’m not comfortable with (Hipgnosis owns 50% of Young’s worldwide rights).

I don’t begrudge anyone wanting to take a stance in accordance to their values, I’d just rather not lose any money over it!

Funds from the sale were used to top up existing investments.

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

Ouch – is this finally the end of the longest bull market? It’s all looking pretty disastrous on the stock markets front.

Energy prices, inflation, interest rates, tax hikes, Russia v Ukraine, any (or all) of these might be the reason for the tanking stocks.

Or none of the above, just people being people. The question is, how long will these depressed markets go on for?

I’m just going to (try to) keep calm and carry on investing, despite my Future Fund plunging to £225,515, down 3% YTD.

Well if anything, I guess it makes the graph look interesting!

Dividends and Other Income

Hurrah for dividends when stock prices are plummeting:

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December 2021 Savings, plus round up

Happy New Year!

Hope you all had an enjoyable festive period and a good start to another new year.

I’ve had a nice mostly quiet time getting used to being in my new home. Still not fully unpacked properly but I’m still moving some last few things from the old house (not sorted the garage or the shed yet – eek!). I can see that I’m going to have to do the whole KonMari thing again at some point!

Anyway, let’s just get the numbers out of the way for 2021!

I saved 13.2% of my net salary.

The above includes £150 from taking part in an investment community exercise, another £25 Premium Bond win and £42.80 from doing Prolific surveys.

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 

Was there a Santa’s Rally? I wasn’t paying attention but perhaps there was as my Future Fund finished up at £232,272.61.

Here’s how it all looks at the end of another year:

Considering the unexpected house purchase, I’m just relieved to finish with a bit more in the pot than I began with at the beginning of the year.

Dividends and Other Income

An average final month for dividends:

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