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!

Phone-free Day

I left my mobile phone at home the other day.

I only realised as I got out of my car at the tram stop. Although I had time to drive back to pick it up, I wanted to get into work early to crack on with stuff so I thought I’d go phone-free for the day.

I’m sure there are people breaking out into a cold sweat at the thought of being without their phones!

How did we get like this?

History

My first phone was the Nokia 1610. Nokia phones were what everyone wanted, back in the 90s and 00s. Very sturdy, with a battery which lasted for days. I think there were only around half a dozen telephone numbers stored in it as it still wasn’t very common for people to carry phones, not among my circles of friends anyway.

A) My first phone, the Nokia 1610; B) My last non-smart phone, the Nokia 6600 Slide (photos not to scale)

Over the years, I possessed various phones of other makes, including the Motorola Razr clam-shell, which was probably one of my all-time favourites, but I kept returning to Nokia.

In 2009, I switched to my first smartphone, a Blackberry Bold 9700. This was also the first contract phone I owned as I had previously only ever been PAYG (pay as you go).

Not Part of the Crowd

My friends and family all thought it was funny that I chose Blackberry when they had all gone for iPhones but I fell in love with the Blackberry keyboard and still love it. I had nothing against the iPhone but as I already had an iPod Touch and an iPod Nano, I thought I owned too many Apple products already!

I’m glad that I didn’t jump on that bandwagon anyway as I don’t have the urge to upgrade to the latest phone – I don’t mind that my Blackberry looks a bit chunky and seems a bit slow when browsing the net – what’s a few seconds?! It is a little annoying that new apps tend to be developed for iOS before Android but as mentioned before, I don’t mind waiting.

Phone-free Day

So back to my phone-free day – what did I miss?

  • 16 x Whatsapp messages
  • 1 x missed call
  • 1 x voicemail
  • 10 x emails (3 were spam)

That first hour of work, I felt a little anxious and kept thinking about not having my phone. However, as the day progressed, it was out of sight and out of mind.

I usually do a bit of matched betting* during my lunch hour on my phone but as I was on a bad run on the each way bets, I was glad to have the break.

The only thing I really missed was Whatsapp as that’s how I keep in touch with my family and close friends.

I didn’t miss anything else – not Twitter or Facebook. Or scanning blog posts.

As I still use my iPod for my music and use a mini Filofax for my diary, I guess that’s why I didn’t miss my phone so much in those respects. I don’t look at my phone when I’m at the gym so again, felt no loss when I went for my work out that evening.

Anyway, with no distractions, it felt like I was more productive at work, so perhaps I should have more phone-free days!

Would anyone else consider this or is your phone like an extension of your body which you can’t do without?

[*referral/affiliate link]

Quick Update and O.O.O

Just a brief update to get this out of the way as I’ll be busy with work and getting ready (shopping and packing) for my holiday later in the week:

  • This month, I celebrated my birthday – another year older, maybe a little wiser? I’ve been trying to shift a couple of pounds but my birthday celebrations lasted all week so instead of losing, I’ve probably piled more on! All this eating out (and drinking) has meant it’s not been a cheap month either.
  • My kitchen is still not complete – the fridge freezer was due to be delivered this weekend but was damaged in transit. I’ll have to sort things out after my hols and hope that it’s there before my family are over!
  • At work, the initial part of the ‘re-organisation’ I mentioned has happened – my colleague is now my new BOSS!  It’s not a real surprise, I was wondering when it would happen, just didn’t think it would happen so soon.  Our working relationship will inevitably change but hopefully not by too much, although I had gotten used to a remote boss (previously in our London office) and now I’ll have one sat right next to me!  I’m a little concerned that she doesn’t have a lot of management experience  so we’ll see how it goes. Still, we’ve worked well together so far, I already have a lot of respect for her professionalism, industry experience and knowledge, and this is despite me being twenty years her senior…I know!!! I might have to cut back on my avocado toast jokes from now on though!
  • The second part of the company re-organisation/restructuring is yet to be announced and it might not be pretty. As ever, I’ll worry about it when I know what it is and how it’ll affect me.

Out Of Office

So I’m off to the far east on my usual jollies, which means my June savings update will be a week or so late. I don’t have any scheduled posts and am unlikely to be reading any blogs while I’m away so I’ll be doing a big catch up on reading and commenting upon my return.

I do miss blogging (and reading blogs) when I’m away but at the same time, I enjoy the break. I do always take a notebook with me (so old school still!) to jot down ideas and notes for future blog posts. I’ll certainly be making a note of my experience using my new Starling* card when I stop in Dubai for my connecting flight.

It’ll also be good to take a break from matched betting although I’m a little gutted that I will be missing all those World Cup offers – I’ve tried to make the most of them this past week or so.

My family are football fans too so I’ll be enjoying watching some matches (when they’re timezone friendly) – Hong Kong’s still got a huge British ex-pat community so looking forward to cheering on England down the pub! Been loving the World Cup so far, with the big teams not starting as well as expected – exciting stuff!

Anyway, catch up in a few weeks’ time!

[*Referral link – there’s no money involved but I get some hearts lit up on my app!]

May 2018 Savings, plus other updates

After what felt like the longest winter ever, we were able to bask in a glorious and sunny May!  Being a ‘sun worshipper’, I enjoyed hours of reading and topping up my tan in the garden. It’s probably just as well that we don’t have that much sunshine here normally, else I’d get absolutely nothing done over the weekends!

And who didn’t shed a tear watching the Royal Wedding? Ok, maybe it was just me! I’m a fan of the TV show Suits so still can’t believe ‘Rachel Zane’ has married a prince!

Anyway, how did I get on with my savings this month?

I saved 36.3%! My average savings rate has now gone down to 48.5%.  Had a couple of unplanned social outings and as mentioned last month, I had to pay my sister back as she’d booked and paid for my ‘holiday within a holiday’ (a few days in Thailand). These next few months are going to be rather ‘spendy’ so I probably won’t be able to tighten up the finances until after the summer.

The above savings was topped up with £24.80 from TopCashback*£500 matched betting funds (used to invest in Freetrade as per my previous post), and £133.91 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 have been going up, although shenanigans around the world might make it go down again. Whatever. In any case, my Future Fund has jumped quite a bit, now at £143,620, steadily making progress towards my next big milestone.

Dividends and Other Income

Dividends received this month: Continue reading