I Just Got Paid

When I first heard the song, ‘Just Got Paid’, I felt a sudden wave of emotion – so much so that I had to stop what I was doing.

When the song ended, I played it again.

The gleeful chorus/riff brings about feelings of sheer absolute joy and describe exactly how I used to feel when I got paid, during the time when I was buried in credit card debt, back in the mid-2000s.

Some of the lyrics describe my irresponsibility with money back then and yup, if I could dance like that, I would have been dancing like those girls in the video!

I no longer experience this joyful feeling when my wage hits my bank account these days. It’s not that I’m not happy when I get paid because of course I am.

But perhaps it’s because back in those debt ridden days, being paid meant huge relief and happiness that I had money in the bank to spend, to pay off my debts, to plug my overdraft (if only temporarily) and that for a short while, I was financially ok…until I became skint and the cycle would being again as I waited for the next pay day.

Nowadays, I get paid, I check my bank a few days later to see automatic amounts going out for my investments, my bills being paid automatically, all tickety-boo, all quite clinical really. No sheer joy here but also, no fear or grief or stress that it’s all going to run out soon.

And this got me thinking – the next time I’m likely to get these happy feelings of getting paid will be when I stop working and am living off my investments/dividends/pensions etc. Yes, because I will have gotten ‘paid’ for doing nothing!

Just a short post, it’s been a long week and the post I was going to put up didn’t get finished so let me just end on that thought, dance to this top tune and hope you all have a great weekend!

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

August 2018 Savings, plus other updates

Well, it looked like summer was well and truly over up here and it was time to dig out the warmer clothes already, but then it turned all sunny again! I don’t know what to wear any more!

Life is more or less back to normal – the family have all gone home so the house is all quiet again.

Work has been busy, despite many people being off for the summer holidays – one week, I’m one of the employees of the month (yay!), the next, they’re asking me to work on the bank holiday (I’ll get the day back in lieu).

I’m sure it’s just a coincidence…?

Anyway, I had several social outings this month so how did that affect my savings in August?

I saved 35.8%, which sees my average savings rate going down to 44.9%.  Still a decent savings rate in the scheme of things but not great for the target I’ve set myself!

The above savings includes top ups from £148 matched betting profits (from last month), £18.06 from TopCashback* and £137.42 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 

I didn’t really notice what the markets were doing so all I can say is that with extra capital and reinvested dividends, my Future Fund now stands at £149,204.30, still steadily making progress towards my next big milestone.

Dividends and Other Income

Dividends received this month: Continue reading

July 2018 Savings, plus other updates

So it was back down to earth again this month – back to work, back to a mix of sunshine and rain – a great British summer!

I’ve had my sister and nephew staying with me, spent a nice weekend with them, so while they’re visiting friends, I’ve been able to update the blog, do my numbers and also catch up on a bit of blog reading.

My fridge freezer finally arrived and so my kitchen is complete at last! However, I keep inadvertently going back to the old fridge which is now empty – I guess it will have to revert back to being my ‘beer fridge’!

Anyway, how did I do with my savings in July?

I saved 40.3%, which sees my average savings rate going down to 46.2%.  A little higher than expected but some costs are on my credit card which won’t be settled til next month.

The above savings was topped up with £64 matched betting profits (from last month), £50 premium bond win – woo hoo! 🙂 and £63.98 affiliate income from OddsMonkey (thanks 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 

The markets mostly went up for me this month and with the extra capital, my Future Fund now stands at £147,993, still steadily making progress towards my next big milestone.

Dividends and Other Income

Dividends received this month: Continue reading