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September 2023 Financial savings, plus different updates – Quietly Saving Get hold of US

A bit late with this replace – my head’s not been fairly proper as September was a month of fairly excessive highs and lows.

Highs

Work gave us the day without work to do the annual charity stroll.

62 of us set off early one Friday morning to do the Saddleworth 3 Peaks – not everybody accomplished it however I did…ultimately!

Over 25km (slightly below 16 miles) and I made it to the pub on the finish (what else? 🙂 ) in virtually precisely EIGHT hours! It was fairly exhilarating, there have been breath-taking views and I’m glad I did it however undecided I’d (or may) do it once more!

 

September 2023 Financial savings, plus different updates - Quietly Saving Get hold of US Obtain US

On the second peak, ‘Pots and Pans’ cenotaph

September 2023 Financial savings, plus different updates - Quietly Saving Get hold of US Obtain US

On the third peak the place we appeared again and will nearly see the cenotaph behind us within the distance!

I almost joined some others in giving up after the second peak, however determined to soldier on, regardless of being in actual ache – my left knee didn’t cope properly with the downhill pounding. I had a strolling pole (which helped) and ended up taking painkillers (which didn’t assist).

Nonetheless, we couldn’t have requested for higher climate and I’m sure I wouldn’t have made it if we’d had the rain-lashing and excessive winds skilled throughout the Snowdonia stroll from just a few years again. £5000 raised for charity (as a workforce) with the corporate matching it so all went to good causes.

Lows

I came upon just a few months in the past that one in every of my buddies from uni (fellow course and home mate) had undergone chemo for most cancers. First spherical went properly and all sounded fairly constructive.

Nonetheless, the second spherical of chemo didn’t go properly and he or she was in a coma for a month. She gained’t get better totally from this and there was point out of her in line for a transfer to a hospice.

I and another buddies went to go to her as quickly as we came upon (6 hour spherical journey by automobile, plus resort keep). What a curler coaster of feelings that weekend was – my buddy was herself but additionally, clearly, not herself. We don’t know the way lengthy she has left (might be weeks, months?) and so they proceed to watch how her physique is battling the sickness. She has nonetheless made it clear to all that she doesn’t need to ‘exist’ like this.

As she has misplaced most of her sight, once we turned up, we performed the sport “Guess who I’m?” and he or she obtained us all by our accents!  The ward nurses stated that it was beautiful to listen to laughter coming from the room as we reminisced about our silly youthful antics and have been most likely a bit loud! It’s right down to us now to offer somewhat pleasure in her life.

Us buddies realised regretfully that it had been over 10 years since we had all met up head to head – busy lives and all that, though we did catch up through video throughout lockdown and the friendships and connections have been maintained through the years (all of us graduated in 1991!) first through Fb, however these days through Whatsapp.

Life is simply far too quick and we should find time for family members earlier than it’s too late.

Sorry for that downbeat replace however I really feel higher for writing that down.

I assume one good factor to return out of this was that I caught up with the buddy who had FIRE’d (talked about in my July interim submit). It was as I believed – two good careers, resulting in a few funding properties (bought) and now dwelling the great (retired) life. Nice for them, hoping to hitch them within the not too distant future!

Anyway, how did I get on with my numbers?

September 2023 Financial savings, plus different updates - Quietly Saving Get hold of US Obtain US

I saved 15.1% of my internet wage.  The above contains £31.94 from doing Prolific surveys,  £10 from a charity lotto win and £20 from matched betting winnings.

Shares and Funding Trusts

I simply topped up current investments.

Present share/IT portfolio could be discovered here.

(Complete portfolio right here)

Future Fund 

My portfolio continues to creep alongside in a largely sideways motion, ending up at £231,906. 

September 2023 Financial savings, plus different updates - Quietly Saving Get hold of US Obtain US 

Dividends and Different Earnings

An excellent month for dividends.

September 2023 Financial savings, plus different updates - Quietly Saving Get hold of US Obtain US

I obtained £767.65, of which £404.23 was from my ISAs, the remaining from my SIPPs.

All dividends have been reinvested.

Right here’s what the graph seems like:

September 2023 Financial savings, plus different updates - Quietly Saving Get hold of US Obtain US 

Matched Betting (MB)

Not lots of time spent on this, so made only a tiny £22.19 this month.

Targets Replace

Assume I’m nonetheless on monitor with the dividend purpose and the non-fiction books however may battle with the opposite ones. Will hold at it although.

September 2023 Financial savings, plus different updates - Quietly Saving Get hold of US Obtain US

Intestine Well being

If not for @Child Cocoa, @GFF and @dearieme who all commented and talked about the advantages of kefir in my June replace, I’d not have given the stuff one other attempt, solely to search out that through the years, my style buds have modified and I do now prefer it! So, thanks guys! 🙂

Realising that I already had all of the ‘tools’ wanted to make my very own, I purchased some kefir grains (from Amazon) and began making my very own. My grains have ‘grown’ so I’ve handed some to my sister, who’s now additionally making her personal kefir!

The primary profit I’ve observed from consuming kefir to this point (after almost a month) is that I really feel much less bloated than common. I don’t thoughts consuming it on the personal however love making it into smoothies, with the banana & apple smoothie making a tasty breakfast drink, nice to have whereas I’m nonetheless doing my 14/10 intermittent fasting.

September 2023 Financial savings, plus different updates - Quietly Saving Get hold of US Obtain US

This one’s an apple and blueberry smoothie. Borage flower from the backyard!

I’m now in a routine of constructing a contemporary batch of kefir each couple of days however the pressure on my poor smoothie maker (which had beforehand been gathering mud for years in the back of the cabinet) has resulted in a damaged seal so I’ll be bargain-hunting come Amazon Prime day or Black Friday. An early Christmas current for myself maybe. (Apologies for mentioning the ‘C’ phrase already, haha!).

My workload has gone insane and the variety of late nights has continued to ramp up. It’s due to this fact vital that I attempt to keep wholesome; I’ve missed a few health club classes however nonetheless going a minimum of as soon as per week. I’m making certain that I get sufficient sleep too.

I nonetheless have numerous holidays left so as soon as the majority of this undertaking has been carried out, I’ll be reserving some lengthy weekends off.

Hope you all had an incredible September.

#September #Financial savings #updates #Quietly #Saving

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