Spending
| Category | Amount | Notes |
|---|---|---|
| Eating out | £11.75 | IKEA cafe and Costco cafe |
| Entertainment | £101.63 | TV licence, Spotify, three lottery tickets (no wins), competitions magazine, four bets on the football (no wins), drinks when out, Latin dance classes, a ticket for a cup football match, playing pool |
| Groceries | £200.62 | Budget of £40/week = £200 for the month |
| Health | £60.99 | CrossFit (2 x week membership) £40 and PureGym (unlimited) £20.99 |
| Holidays | £411.30 | City break to Budapest (it was awesome and will feature in a future post) |
| Housing | £680.71 | Mortgage, gas and electric, broadband, council tax |
| Investment fees | £54.27 | Vanguard fees |
| Mobile phone | £6.90 | SIM only deal with Lebara |
| Presents | £92.67 | Birthday presents for my sister’s partner and my nephew |
| Shopping | £41.54 | Most of this was £33.60 to join Costco for a year. They have excellent prices on good quality tyres that made it worth paying to join. Whether I ever shop there remains to be seen… |
| Technology | £1.59 | Google One cloud storage |
| Transport | £383.14 | Fuel. My car needed an MOT, service, and two new tyres. An advisory notice was given for a worn suspension arm on the car, so this is going to be replaced soon, and the timing belt is also due to be replaced. Cars are money pits |
| Total | £2,047.11 |
Premium Bonds
I won £50. Yay!
Savings Rate
| Savings rate excluding pension | 30.52% |
| Savings rate including pension | 39.50% |
Net Worth
| | Including Pension and Primary Residence | Including Pension, Excluding Primary Residence | Excluding Pension, Including Primary Residence | Excluding Pension and Primary Residence |
|---|---|---|---|---|
| Jan | £626,103.58 | £517,231.54 | £337,731.83 (-£5181.81) | £228,859.79 (-£5518.84) |
| Feb | £626,450.46 (+£346.88) | £517,150.95 (-£80.59) | £336,149.46 (-£1582.37) | £226,849.95 (-£2,009.84) |
| Mar | £635,806.88 (+£9,356.42) | £526,117.29 (£+8,966.34) | £343,576.63 (+£7,427.17) | £233,887.04 (+£7,037.09) |
| Apr | £634,569.78 (-£1,237.10) | £524,494.33 (-£1,622.96) | £524,494.33 (-£1,622.96) £340,410.28 (-£3,166.35) | £230,334.83 (-£3,552.21) |
| May | £637,067.24 (+£2,497.46) | £526,603.17 (+£2,108.84) | £340,978.24 (+£567.96) | £230,514.17 (+£179.34) |
| Jun | £632,859.07 (-£4,208.17) | £522,012.77 (-£4,590.40) | £334,840.82 (-£6,137.42) | £223,994.52 (-£6,519.65) |
| Jul | £645,969.55 (+£13,110.48) | £534,738.20 (+£12,725.43) | £346,021.80 (+£11,180.98) | £223,994.52 (-£6,519.65) |
| Aug | £649,251.07 (+£3,281.52) | £537,638.33 (+£2,900.13) | £347,373.82 (+£1,352.02) | £235,761.08 (+£970.63) |
| Sep | £647,937.76 (-£1,313.31) | £530,964.26 (-£6,674.07) | £346,060.51 (-£1,313.31) | £229,087.01 (-£6,674.07) |
| Oct | £649,978.40 (£2,040.64) | £532,647.42 (£1,683.16) | £348,101.15 (£2,040.64) | £230,770.17 (£1,683.16) |
Pausing my index fund investment last month allowed me to shore up my current account a little, which was much needed after all of the costs I incurred putting my house on the market.
Most of this month’s gain, not including my pension and mortgage, was from my index funds despite my not adding any new money.
