It’s silly season and despite ignoring Black Friday and the like, I’ve been buying gifts and presents for friends and family. Of course, a fair chunk of my income also went towards my holiday too instead of being saved/invested.
So how did this month go?
A savings rate of 29.5%. Hmmm…not bad compared to average UK savings rates but this is my worst savings rate since I started my blog!
This takes my average down to 44.8%. The good news is that although things aren’t going to be any better in December, I should be able to maintain a >40% average, which I won’t feel too bad about.
This month’s savings was topped up with £12.90 from TopCashBack* and £80 from rent received.
Net Worth is now £114,802.96, an increase of just over 28% so far from the start of the year.
I received £3.26 from British Land Co plc, £3.05 from Ladbrokes plc, £3.64 from Centrica plc, £2.19 from Vanguard Government Bond ETF, £2.85 from City of London IT, £1.80 from Bankers IT plc and 67p from Bloomsbury Publishing!
So a total of £17.46, not one of my better months. However, back in November 2014, my total dividend income was ZERO, so it’s a fantastic year on year increase! 🙂
Anyway, this brings my monthly dividend income average to £24.67, with total dividends received in 2015 now £271.36. There’s a good chance that I will hit the £300 mark by the end of the year!
I didn’t invest in shares or investment trusts this month but my transferred personal pension has been invested in various ETFs (exchange traded funds), one of which (Vanguard Government Bond) has already produced dividends.
If anyone’s interested, I track all my reading via GoodReads – add me as a ‘friend’ if you are a member!
Here’s how I’m doing against my goals in brief:
Ok, it looks likely that I will achieve the cooking and grocery goals but not the savings rate, Future Fund, or online activity goals. The poker one…well, I know how to play now but not to any high standard, so not sure what to do about that one.
Just one more month left in 2015 – how time flies when you’re having fun!
Wishing everyone great strides towards FI as we see out this year!