So it was Black Friday the other day – anyone pick up any bargains?
I should have probably done some Christmas shopping but the only thing I purchased that day were more investments! My FIRE focus didn’t waiver!
Were the investments ‘on sale’? No idea – I’m sure I’m not alone in not checking the price of a Vanguard ETF before investing, except to make sure I’ve enough cash to invest.
I feel like I’ve caught up a bit on things this month, got myself a bit more organised, including sorted out my tax stuff. I even got round to having my tattoo to commemorate my half-century – it’s only visible when I remove my clothing so I’m not growing old too disgracefully!
In terms of blog reading/commenting, I’ve found that many of the usual blogs I follow haven’t been updating as much as before – have we reached Peak FIRE?
Still discovering and enjoying new UK blogs, but some of the older ones have been pretty quiet lately – hopefully they’re just too busy just getting on with the business of aiming for FIRE.
So, how are my numbers looking?
I saved 44% of my net salary! A larger than usual credit card bill due to social activities meant that I didn’t hit 50% but I’m happy with this.
The above savings includes top ups of £40 matched betting profit (from last month), £133.15 affiliate income from OddsMonkey (thank you to all who signed up via my links!), £10 lotto winnings and £50 Premium Bond winnings!
Shares and Investment Trusts
No new investments – I just topped up existing ones.
Current share/IT portfolio can be found here.
(Entire portfolio here)
Either the markets were buoyant or it’s just a result of pound sterling taking a bashing (probably the latter) but my Future Fund jumped quite a bit this month, up to £182,861.46. And there was me hoping that I would end the year at £180k but we’ll see what happens after the General Election…
Dividends and Other Income
A better month for dividends:
I received income of £307, which is a decent amount. Although I’m highly unlikely to reach my goal of £4k in dividend income, I want to see how close I willl get.
Here’s the main dividend income graph:
Matched Betting (MB)
Total profits of just £220 this month, which isn’t great but I didn’t put the time or the effort in so it’s to be expected. I am nowhere near on track with my goal but I shall keep plugging away with this as it’s all tax free.
As mentioned before, the MB guide I subscribe to is OddsMonkey*, which is great for beginners and experienced matched bettors alike with quality tools to help you make profit. There are step by step guides and also a friendly forum for you to ask questions and get assistance on any of the offers.
Some people think matched betting is gambling but it isn’t (speaking as a former-though-now-occasional gambler). For me, it’s the ideal ‘side hustle’/hobby to do in my spare time. Anyway, check out the free trial* (with no obligations).
Here’s how I’m doing versus my goals:
Still not sorted out twinning another toilet – struggling to find the time to arrange this.
I am actually reading a non-fiction book (a Tim Harford oldie) but am unlikely to hit my goal of three this year.
Passive income (dividends) is now beating active income (matched betting), which is a good thing, since who doesn’t love earning income while doing nothing!? Let’s see if this remains the same by the end of the year.
I couldn’t make the Manchester Meet Up on Friday so hope those who did attend had a good time, made new acquaintances and gained new ideas and motivation.
One More Month
With one more month to go til the end of the year, I should start thinking about my next goals and targets but can’t really think beyond just ‘keep on keeping on’ right now.
Perhaps I’ll just keep things simple again.
How was November for you?