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Payday fell on Monday 30th of June from last month. (Last working day of the month) I brought in £2494.97. (£40,000) salary. I was pleased to hear I’m getting a raise from this month up to £42,000. Looking at the salary calculator this should give me around £100 extra per month after deductions.

As of today 1st of July 2025, my current finances are as follows;

	1st June 2025	1st July 2025	Change
Cash (Current Account, S&S Cash, Savings) = Minus any Credit Cards which are paid in full every month	£10,786	£13,428	+ £2,642
Investments (S&S ISA)	£10,729	£9,423	– £1306
Liabilities (0% Credit Card)	-£993	£0	+ £993
Total “Liquid”	£20,251	£22,851	+ £2600
Pension	£21,749	£22,557	+ £808
Total	£42,270	£45,408	+ £3,138

I paid off my Lloyds 0% card in the month.

As noted on the Cash line I do use credit cards for day to day spending but these are paid by Direct Debit every month for the full amount. To keep it easier to track on the table I just minus the amount outstanding from the “Cash”.

I looked at my emergency fund and upcoming costs and decided to take £3,000 out of investments towards the end of last month due to feeling a little over exposed. However today i’ve put back £1,017 which i’ve budgeted for.

I’ve started using Actual budget towards the end of the last month so hopefully next month that is something I can also add to the post to see where exactly the money went!

I’ve got an expensive month this month as I need to pay the balance of my holiday that is in October. This is around £2000. So I wouldnt be surprised to see my networth decrease this time next month.

Anything extra or left over will go into the S&S ISA. Unless I need to replenish my emergency fund. Which i’m going to try keep as 1 month ahead in Actual Budget + £7000 which is about 6-8 months of expenses.

My S&S ISA currently looks like this;

The majority is in FWRG although i’m eyeing up ACWI for the future due to the potential cheaper costs.

The UK Income Factory is a copy of TheDividendExperiment’s Pie on Trading 212 which I put £1000 in last month as a test to see how it does over a year and potentially further. These are meant to be companies that pay decdent dividends. I’ll be making a seperate post about this. In a month or so once i’ve had chance to receive dividends.

B&M I decided to put a small amount in B&M. I did hold this on the Ex-Div date towards the end of last month and am expecting around £11 in dividends on the 1st of August.

This is the screenshot from CompiledSanity Personal Wealth Template which i’ve also started using this month. This likely isnt accurate due to last months not starting on the 1st but will be going forward as it will be run on the 1st of every month.

This is the budget I have setup for this month in Actual. Lets see how it ends up towards the end of the month.

The £7000 is my emergency fund. Which is roughly 6 months of expenses. I am also 1 month ahead so have already assigned £2495 to August. (Which is the pay I received yesterday)

That finishes it for this month I think. Till next time!

Welcome to my first post which will go through my current financial situation, goals and plans. I’ve already been saving for a couple of years. But have decided to take this more seriously and have created a blog for me to track my own progress. Feel free to come along for the ride!

I didnt start my working career into my mid / late twenties due to personal issues.

I’m currently on between £35,000 to £45,000 a year in the North West. I sometimes get a bonus but not guaranteed. I claim some expenses and mileage.

As of today 2nd of June 2025, my current finances are as follows;

Cash (Current Account, S&S Cash, Savings)	£10,786
Investments (S&S ISA)	£10,729
Liabilities (0% Credit Card)	-£993
Total “Liquid”	£20,251
Pension	£21,749
Total	£42,270

I’m making it my aim to post every month an update on the finances and an explanation of why it’s gone up or down. My goal is to start putting at least £800 a month consistently into investments hopefully, I will end up being able to save more by blogging and breaking down each spending category.

I’m also looking forward to seeing how my investments do.

I use firefly and Moneyhub to track my finances. With firefly I only use the Reconciliation feature by entering the ending balance for each account and posting a Reconciliation transaction to bring it to the correct value. This allows me to track my net-worth without having to enter each transaction.
Moneyhub on the other hand is linked directly to most of my accounts and does pull transations for me to look at.

Firefly currently goes back to November 22 where my networth excluding pension was £143 It has thus grown around £20,000 over the last couple of years.

If you have any feedback on how I could make this more interesting I would love to hear it.

Till next time!