October 2019 Savings, plus other updates

Hope you all had a happy Brexit Day Halloween!

My ‘confused’ effort on the right!

October felt like a month where I had a lot going on but hardly anything was achieved.

I’m behind on loads of things – my reading, my paperwork, my tax return (meant to submit this month), my TV watching, my blog reading/commenting, my blogging.

That said, I bought a new mobile phone as my old one has been freezing and rebooting for months (used matched betting profits again for the purchase) and I’ve been out on a few social outings, completed a 13-mile walk in the rain (again!) for charity with work and been to the cinema a couple of times (to see Ad Astra and Terminator: Dark Fate).

My social calendar is pretty much filled up for November already so I hope I don’t continue to fall behind on stuff.

Am I also behind on my numbers? Let’s see how I did….

I saved 51.3% of my net salary! With my sis contributing towards household bills, I’m able to put away more of my money but as mentioned before, at some point, all my utilities direct debits will go up so my savings rate will revert closer to the norm.

The above savings includes top ups of £40 matched betting profit (from last month), £67.74 affiliate income from OddsMonkey (thank you to all who signed up via my links!), £30 from Siteground* affiliate income (thanks Tom!) and £57.01 from TopCashback*.

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 were all over the place this month and despite adding new capital, my portfolio value went backwards down to £178,832.19. As usual, I’m keeping calm and carrying on investing!

Dividends and Other Income

A slightly disappointing month for dividends: Continue reading

Dogs Nightmare and Random Shares update

I didn’t get round to doing my quarterly update for my experimental Dogs of the FTSE portfolio so thought I’d do a first ‘trimester’ update instead.

Suffice to say that the poor mutts really don’t look too healthy, mostly milling about negatively in turmoil.

Evraz plc in particular is looking extremely woeful, showing a massive loss since this portfolio start, despite showing huge gains in the previous year.

ITV leads the pack with a semi-decent gain but for how long!?

That said, the FTSE 100 Total Return was minus 1.3% over the same period so the Dogs aren’t too far behind with a loss of 1.83%, when you include dividends received (loss of 4.7% without dividends).

But it’s still early days yet, anything can happen in 8 months – yes, I know it could get worse but I’m being opimistic so see the future as being bright(ish)! In the meantime, I shall continue to collect their dividends.

As I’ve mentioned previously, this is not a strategy I would recommend to anyone, this is my own fun experiment, although I can’t say it’s a lot of fun looking at all the red numbers right now.

Cheerful Randomness

To cheer myself up, I will take a look at my Random Share Portfolio, which I first mentioned here.

This portfolio is made up of free shares awarded to me whenever someone signs up via my Freetrade affiliate link, bagging themselves a free share in the process. Link is here* if you are interested.

Here are a couple of the recent free random shares I’ve been awarded.

And here’s what the full portfolio currently looks like:

Still waiting for that Tesla or Netflix share to drop haha, but the fact is, I’m well happy with all my free shares. Most of them are ones I would never have considered buying, only because I wasn’t even aware of them.

I was particularly happy to receive shares for IShares S&P Global Clean Energy ETF (INRG) as I didn’t know there was such an ETF, never mind that it was available on Freetrade.

INRG tracks the performance of an index composed of 30 of the largest global companies involved in the clean energy sector. I think I will add to this as I’d like to increase my holding of more environmentally-friendly investments bit by bit.

Am still undecided as to what I want to do with this portfolio, ie sell or keep the shares.

For now, I think I’ll just leave them (mostly) and maybe decide on what to do in the new year. Although I missed out on the Aston Martin £10/per share payout because I didn’t reach the minimum criteria (only 1 share!) so I may get rid of that one soon.

Anyone with any thoughts on which ones I should get rid of and why?

*referral/affiliate link

September 2019 Savings, plus other updates

Update is later than usual but this might become the norm, not sure. Still no real blogging routine yet and I wasn’t about during the weekend to get this out.

Anyway, for those concerned, my nephew survived the few days with me, wasn’t late for school once and didn’t miss his bedtime (by much… 🙂 )

So how did I get on in September with my savings?

I saved 52.9% of my net salary! This was the first month that my sis contributed to household bills since she moved in and I invested the cash straight away.

Of course, at some point, all my utilities direct debits will go up, with me no longer being in the house on my own, but I’ll save as much as I can while I can!

The above savings includes top ups of £120 matched betting profit (from last month) and £126.22 affiliate income from OddsMonkey (thank you to all who signed up via my links!).

Shares and Investment Trusts

Thinking about greener investments, I started investing in Greencoat Wind UK plc.

Current share/IT portfolio can be found here.

(Entire portfolio here)

Future Fund 

With the pound taking a pounding and markets generally on the up, at the end of the month, my portfolio stood at £179,130.49. This puts me in really good stead in my race to £200k, although with Brexit (or not) looming, who knows how things will look by the end of October.

Dividends and Other Income

Another fairly average month for dividends: Continue reading

My Random Share Portfolio, plus Meet Up Reminder

Long term readers may recall my fascination with randomness and investing.

One of the first ‘investing’ books I read was Burton G Makiel’s ‘A Random Walk Down Wall Street’.

You know, the one where he mentions that a bunch of blind-folded monkeys could do better than expert stockpickers. This fascination and curiosity led me to running my own Monkey Stocks League, where I had my own randomly picked portfolio.

Time has meant that I no longer run the league but I now find myself in another position to have a part of my portfolio which is made up of random stocks.

Enter Freetrade

For those interested, here’s my review of Freetrade.

As a result of Freetrade’s referral scheme and thanks to interested souls clicking on my links, I now have a tidy little portfolio of random shares.

Basically, every time someone I refer signs up, we both get a free share. Here’s a screenshot of some of the freebies I’ve received:

I’ve yet to be awarded a high value share – some people have received Tesla shares, worth around £190!!

Here’s my entire portfolio so far:

I’m not sure what I’m going to do with these – maybe hang on to some of them, maybe sell some of them.

If I sell some, perhaps I’ll use the funds to buy more of the ones I’m keeping…

Anyone interested in a great investing app plus a free share, whilst helping me grow my random portfolio, please drop me a DM via twitter or contact me via the Contact me form for a one-use only link.

I currently have a ‘mystery’ share queueing, courtesy of Tony from One Million Journey – thanks for using the link, Tony and fingers crossed we get good shares! 🙂

FIRE Meet Up Reminder

Just a reminder of the Manchester FIRE meet up next Friday, 27th Sept.

It’s taking place in the ‘Well Area’ of the Rain Bar, 80 Great Bridgewater Street, Manchester, M1 5JG.

6pm – late

Hopefully see a few of you there for a few beers and some pub grub (you don’t want to see me drinking on an emtpy stomach!).