FI Wannabe

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Replies

  • KahraKahra Forumite
    88 Posts
    Sixth Anniversary
    Ooh, October is great! Can I ask what paid out in October? Oct/Nov/Dec are very small payout months for me, at the moment anyway.

    It's so exciting, isn't it? I've got a passive portfolio of Vanguard ETFs - technically the dividends are paid in late September, but it doesn't hit the brokerage until October so that's when I count them. You do a mix of dividend shares and funds, if I recall? I have a exactly one position in an individual company, and even though I switched early on to a passive strategy, I just can't let it go! :D
  • slowlyfadingslowlyfading Forumite
    13.4K Posts
    Part of the Furniture 10,000 Posts Name Dropper
    ✭✭✭✭✭
    Kahra wrote: »
    It's so exciting, isn't it? I've got a passive portfolio of Vanguard ETFs - technically the dividends are paid in late September, but it doesn't hit the brokerage until October so that's when I count them. You do a mix of dividend shares and funds, if I recall? I have a exactly one position in an individual company, and even though I switched early on to a passive strategy, I just can't let it go! :D
    It is exciting! I do a mixture at the moment, though want to add some more funds to my portfolio to balance it out a bit :) do you blog about your investments at all?
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • KahraKahra Forumite
    88 Posts
    Sixth Anniversary
    SF: No blog, just writing here about FI plans :)

    I'm already struggling with the November 'minimum spend' challenge. I find it really hard to turn down restaurant invites with friends! But the friend offered to pay in return for some thing I've helped them out with in the last month, so I'm still on track.

    Oh, and I got a pay increase! Should be about £75 after tax per month. So I'm off to make my share purchases :D
  • KahraKahra Forumite
    88 Posts
    Sixth Anniversary
    We've had a lot of good financial news this week - £230 of work expenses are being reimbursed, and we're getting compensation that I was not expecting for a delayed flight! I've signed up for the November grocery challenge, and am a little more organized than usual on the food front (though not much!).

    I was planning to have no expenses besides bills and food, but already things have sprung up. OH paid the fees to do a marathon (£39, ouch!), and the pup needed some shots (£46), so it's shaping up to be a more expensive month than planned.
  • KahraKahra Forumite
    88 Posts
    Sixth Anniversary
    I had an actual NSD - that neeeeeeever happens! We almost always buy something to eat or drink, but today we actually had everything we needed. Tomorrow's looking promising too, although I may have to bake a loaf of banana bread to satisfy my sweet tooth. We've spent £592/£1322 so far in Nov, but still have a lot of monthly bills to pay (gas, electricity, phones, internet). It's looking pretty achievable.
  • edited 6 November 2016 at 7:31AM
    ani*fanani*fan Forumite
    1.6K Posts
    edited 6 November 2016 at 7:31AM
    Hi there

    I just read your diary and wanted to wish you the best of luck with your goals. It is exciting to think about FI. I am also a Mr Money Moustache and Frugalwoods fan. They have both helped me a lot in getting my debt paid down. I particularly love how MMM talks about cycling, giving up my car and walking or cycling everywhere has been one of the biggest helps for me in reducing outgoings.

    I've subscribed and will follow your progress.

    AFx
    If you know you have enough, you're rich. ;)
  • KahraKahra Forumite
    88 Posts
    Sixth Anniversary
    Thank you so much ani*fan! I also gave up the car when I moved to an area of the SE where there's good public transportation - it is a HUGE money saver, and I find it so much less stressful, too (no MOT, no traffic to deal with, no regular maintenance). I cycle to the train station, and walk more - I'm a total convert!

    The grocery challenge is going very well, even though we tend to spent a few quid every day on food or drink! Having leftover pasta tonight, but am going to pick up lunch at the work canteen (it's quite inexpensive and very healthy - and I love that someone else does the dishes). I also need to pick up some supplies for work, so there will be a few more spends today. I'm finding this challenge to spend only what we need (chocolate is included, obviously) very refreshing. £598/£1322.
  • KahraKahra Forumite
    88 Posts
    Sixth Anniversary
    I've lost track of the grocery budget, since it takes a few days for transactions to show up on our cards. Yesterday I didn't plan well, and ended up buying snacks. Ah well, I'm quite sure we're on track on the grocery front. A work dinner I had planned to attend has been cancelled, so that helps the restaurant budget. I love going and think it's important professionally, but it's always somewhere more expensive than I would choose (they all make much more than I do). Paid the mobile bill and the dog walker, so the total is now £665/1322.
  • ani*fanani*fan Forumite
    1.6K Posts
    Just a wee tip, I've put a small pocket file in our kitchen so whenever me or OH buy food, we put the receipt in there. I only started this last month, but was able to keep track as we went. £165 last month on food, I was really pleased with that. :j Hope you figure something out that works for you. I agree that it's a real nuisance that debit cards take a few days to show up on your account.
    If you know you have enough, you're rich. ;)
  • KahraKahra Forumite
    88 Posts
    Sixth Anniversary
    I LOVE that idea ani - I always lose track when OH picks something up and I'm not there to snatch the receipt. I'll find a little folder for receipts and see if OH can be persuaded to use it :)

    I'm getting a MAJOR shopping itch. I keep running across all kinds of good and useful ideas of things we need, and they're all practical things. Electric toothbrushes, suit bags for work. Also I've started lusting after a musical instrument that's the price of a good car... so maybe not all practical things! I'm thinking that the more reasonable wants could be good Christmas presents (Merry Christmas to me!), though we don't usually really exchange presents.

    I also play Pokemon Go, and have been tempted to spend money on things in the game. I haven't ever caved and spent on 'freemium' games, because I really hate the concept, but I'm cracking. I started doing Swagbucks again (anyone want a referral? :P) to get the iTunes gift card so I could buy things for the game that way, but now I'm thinking that Amazon vouchers could be helpful for gifts. My rationale is not sounding so rational anymore.

    Despite temptation, it's been a really frugal month. Have paid the gas/electric (£65), bought some more groceries (more convenience meals than I'd like, but some meals reimbursed by work due to extra long hours), and treated a friend to coffee and goodies (£7). Upcoming is more cash to the dog walker, about £40 of bills, and then food. Christmas shopping too, but am not including that in my November challenge. Total so far - £778/1322
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