June 2019 Savings + other updates

Just back from my hols, so here’s my belated update for June.

This month saw numerous social outings with friends, interspersed with meeting new people at my second investors’ meet up in Manchester (similar to the first one, except in the evening) and attending my first crowdfunding event.

Reaching my milestone age and attending these events nudged me to reconsider the allocations in my portfolio. After revisiting some old Monevator posts, including one on age and portfolios, I’ll be starting to implement some small initial changes – I’ll sort out a post on that soon.

So, how did I get on in June?

I saved 50% of my net salary! I should have/could have saved more as I received the second part of my small annual bonus this month. However, I’ve put some funds aside to cover for some holiday spends, some of which may carry over into July. Perhaps a missed opportunity to really bump up my savings rate but it’s been an expensive month!

The above savings includes top ups of £33.68 from TopCashback*, £60 matched betting profit (from last month), £50 from another premium bond win and £74.67 affiliate income from OddsMonkey (thank you to all who signed up via my links!).

Shares and Investment Trusts

I opened a small new investment in The Renewables Infrastructure Grp Ltd (TRIG) but mostly added to existing investments. I also made a small crowdfunding top up to my Freetrade investment.

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

The markets have been pretty buoyant lately as my Future Fund has risen to £169,631.

Dividends and Other Income

A decent month for dividends: Continue reading

April 2019 Savings + other updates

Another month has whizzed by – late nights at work, gym sessions and nights out all  sort of melded together. Oh and GoT! 🙂

My spending usually starts hiking up over the spring/summer months so I really need to watch my eating out from now on, although looking at my diary, I’ve already got too many social events booked in and I have a full bank holiday weekend.

What else did I get up to in April? I was featured in a ‘Bloggers on Fire’ interview, went on a 7-mile walk, topped up my tan and also attended an ‘investment meet up’ – I’ll do a write up on this soon.

Although it looks like I’ve been doing a lot of late nights in the office, I’m not actually moaning or complaining, as things are actually pretty good at work. Business continues to grow so my volume of work has gone up. The work I do could be done at home but I don’t like working from home and I find that email or Skype tennis isn’t half as productive as face-to-face communication. I know there are ways I can work smarter but just need to smash through what I’ve got on at the moment.

Anyway, how did I get on in April with the numbers?

I saved 43.6%, only because much of my going out expenses went on my credit card so those will hit my numbers next month.

As predicted, I was not able to max out my 2018/19 ISA – I got up to £16,400 in the end and that included jiggling emergency cash and some matched betting funds into my cash ISA. I’m going to make a real attempt to max out the 2019/20 ISA, although it looks like I’ve made a poor start on this already with my spending! Must try harder.

The above savings includes top ups of £35 from TopCashback*, £200 matched betting profit (from last month) and £138.41 affiliate income from OddsMonkey (thank you to all who signed up via my links!).

Shares and Investment Trusts

No new investments, just added to existing ones.

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

The markets have been pretty buoyant lately as my Future Fund has shot up to £164,851.

Dividends and Other Income

A record-breaking month for dividends: Continue reading

September 2018 Savings, plus other updates

Moel Eilio in Snowdonia. Yes, it looks creepy…

For someone who’s never really counted ‘walking’ as a favourite past-time, I did quite a lot of it this month.

Spent a couple of weekends doing ‘practice’ walks in the Peak District and the West Pennines, which I found surprisingly quite pleasant – not strolls but not too strenuous either.

The practice walks were to prepare me for a charity walk in Snowdonia, organised by work. We managed to choose a day which was in between two days with yellow weather warnings and ended up doing the walk in extreme weather conditions and quite poor visibility.

With lashing rain which stung the face and winds still buoyed by recent storms in the country which blew us all over the place, I found out that my waterproof jacket was not waterproof and neither were my walking shoes!

But I’m glad I attempted and completed the 9-mile walk, it was a good test of character! Plus I might even go on more walks in future (weather permitting), as may have discovered a new hobby of sorts!

Anyway, onto the nitty gritty, how did I get on with my savings?

I saved 43.5%, which sees my average savings rate going down a little to 44.8%.  Considering this month was quiet on the social outing front, I’m a little disappointed if I’m honest as I thought I would be closer to 50%.  No realistic chance of achieving my goal now with the final (more expensive) stretch of the year coming up but I’ll keep at it.

The above savings includes top ups from £447 matched betting profits (from last month), £16.15 from TopCashback*, £60.53 from Google Adsense and £123.33 affiliate income from OddsMonkey (thank you to all who signed up via my links!).

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 

Again, I didn’t really notice what the markets were doing – all I can say is that with extra capital and reinvested dividends, my Future Fund now stands at £150,051, so I’m halfway towards my next big milestone! Woohoo!

I seem to have streaked well ahead of John K (whose portfolio is currently showing as £103,427) but I did mention that I had the massive advantage of chucking in a large chunk of my redundancy money last year. The next £50k will take much longer to accumulate as no large amounts of capital to throw in, so plenty of opportunity for John to catch up using his strategy.

Dividends and Other Income

Dividends received this month: Continue reading

November 2017 Savings, plus Other Updates

I’m back from a fabulous holiday but am both jet-lagged and hungover – not a nice combination, but yes, Christmas parties have started early!

I’ll do a bit of an update on my hols at a later date but without further ado, how much of my net salary did I save in November?

I saved 25.2%. My worst number since I returned to work but I’m quite surprised I even saved this much to be honest. Hurrah for automated savings!

My average for the year has now dropped to 42.8%. Unless I have an utterly disastrous December (it’s not looking great but shouldn’t be that bad), I should be able to make a reasonably good 40% average savings rate.

The above savings includes £25 premium bonds winnings, £36.75 from TopCashback*, £50 rent received and £85.73 affiliate income from OddsMonkey (thank you to all those who joined via my link – much appreciated!).

Shares and Investment Trusts

I sold my Ladbrokes Coral shares to take 15% profit (including dividends received over the two years I’ve held the stock).

I sold as part of portfolio simplifying exercise but my decision to sell was also partly based on my thoughts that the government’s pending restrictions on the fixed odds terminals which will likely to have a big impact on the company, plus the viability of high street bookies in general. As for the takeover by Foxy Bingo owners, GVC? Not really interested to be honest.

The funds from this sale have been added to my usual monthly capital to top up one of my existing ITs.

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

Markets appeared to be up a little this month, boosting my Future Fund, which now stands at £130,765. Another step towards my next big milestone!

Dividends and Other Income

Dividends received this month: Continue reading