Prior to my trip away, I was given as usual a shopping list by my family to buy things that they can’t get over in Hong Kong, or which, if those things are on sale over there, they’re very expensive due to import costs.
So I did a big shop in Boots for vitamins, face creams (Clinique and Boots No 7), Colgate toothpaste (we have a far bigger range) and more vitamins (my suitcase did rattle a bit on the outgoing journey!). Also bought things such as Jaffa Cakes, Typhoo teabags, Cornish Wafers and some ‘old school’ sweets, eg Sherbet Dib Dabs and Lovehearts! I have a big family so pretty much x4 for all the above!
These purchases (for which some of the money was paid back but I didn’t insist) had some impact on my savings this month.
I managed to save 43.4% – better than last month but still short of my target.
Anyway, here’s what I saved (I’ve used today’s date as I’m unlikely to be saving any more this month):
This month has been boosted by £15.01 from selling some books and CDs on WeBuyBooks.co.uk, £5 from SwagBucks and £175 rental income.
I have two big nights out on the town planned next month (one of them for my birthday) – going to have to try to be super frugal in between, so shopping for new outfits isn’t on the agenda!
I actually have some cash sitting in my Share ISA, since a minimum of £250 is required to invest in funds (with my platform). I was getting a bit twitchy and stressed about it, trying to figure out where I could get the extra to make up the £250 so that the money isn’t just lying in the account going to waste.
But is it actually ‘going to waste’?
Having read and digested a lot of info from various financial blogs, websites, articles etc, I have had the fear of the financial god put in me that markets can shift so dramatically in even just one day that if my money isn’t invested, I end up losing out, so I need to make sure it’s invested or else it’s a big FAIL!
Reading this post here
put things in a little more perspective, as it calmly points out that there is no ‘rule’ as such that money MUST be invested in the markets at all times. Granted that your money has the potential to earn while it’s invested but the world (my world) certainly won’t fall apart if it’s left uninvested for a short while, especially such a small amount.
So I’m just going to continue doing what feels right for me, investing small amounts on a regular basis, topping up when I have a little extra.
No more twitching and stressing!