Another month, another Prime Minister in charge.
Let’s hope he’s in there long enough for Mrs Sunak to be choosing the wallpaper, so things can calm down a bit.
A mostly uneventful month, with quiet weekends spent tidying up round the garden, raking leaves etc. Until last week, where I was out for a work’s leaving do one night, the Manchester FIRE pubmeet the next and then a curry night with family and friends. I’m not used to being out three nights in a row, but thankfully, I was sensible and didn’t overdo it!
After doing so well in the ‘great-company-to-work-for stakes’ by pulling out all stops on the Dubrovnik trip, work is now playing at being not-so-good guy by indirectly trying to ‘persuade’ people to head back to the office again. They have asked that all those who were provided with (rather expensive) office chairs during the pandemic to return them asap.
The question, “But what will I sit on when I’m working from home?” has been met with, “Well you can always come into the office…” – see what they did there?
During lockdown, the lease on a section of the office wasn’t renewed and was blocked off, so the reduced space meant that not everyone could fit it anymore and hybrid-working was the way to go.
However, a large section previously filled by banks of filing cabinets has now been cleared so more hot desks can be squeezed in, meaning that the number of people allowed back in at any one time has increased.
Very annoying as I’m quite happy working from home most days. I duly returned my chair but not before I picked up my own from a second hand/office refurb place.
My replacement chair is in mint condition and cost 180 (RRP £700). I could have gotten a much cheaper one, but I considered how much more time I would spend sitting on it than on my own sofa, and deemed it was worth investing in something comfortable, ergonomic, with full lumbar support etc. That was a discounted price as me and a colleague bought at the same time and also, with this company, cash is still king.
Anyway, how did I get on with my numbers in October?
I saved 17.3% of my net salary. I’ve been nowhere near my goal of average 25% savings rate and with my living expenses pretty much as low as I can comfortably make them (and they’re only likely to go up over the next year), it looks like the days of decent savings rates for me are well and truly over. I will keep at it howsoever I can.
The above includes £58.04 from doing Prolific surveys and a £50 premium bond win – yay!
Shares and Investment Trusts
No changes, I just topped up existing investments.
Current share/IT portfolio can be found here.
(Entire portfolio here)
‘Rishinomics’ (or is it ‘Huntonomics’?) appears to have calmed the markets down a little but we’re definitely not out of the woods yet. We have to get through this loooong winter of discontent.
My Future Fund ended up at £219,164, now minus 5.6% YTD, so an improvement on last month.
Dividends and Other Income
Thankfully, the dividends continue to roll in.
An average month, with me bagging £294.58, of which £213.11 was from my ISAs, the rest from my SIPPs. All dividends were reinvested.
Here’s the updated graph:
Here’s how things are looking, with just 2 months to go:
It’s quite likely that I will hit my ISA dividend income goal next month!
However, not been so organised this year with my library-borrowing so will struggle with that one now with the time left, although I will see how I get on with finding ebooks I want to read while I’m away.
Not looking so great on some of the other goals but as always, I’ll keep at it.
Anyway, happy Halloween!
And yes, this monthly update is on time for once, but I have family staying later in the week so need to get this out while I can!