#88 February Summary

Updated monthly summary now :). I've shifted my focus away from sticking to a budget and instead am now concentrating on our savings rate.

Summary:

We managed a savings rate of 10.67% even though we had a couple of larger expenses in purchasing a new car seat, paying car tax and moving from Plusnet to BT - which resulted in a £200 bill! - though we expect to recoup quite a bit from cash-back etc.

Re: the new Net Assets table, I'm not including full Net Worth detail ie pension, mortgages etc as that's not the priority for me right now.

We've got the £8k car loan which - fingers crossed - we'll be able to clear or make a big dent in in March with my annual work bonus.

The current cash pile is used for Matched Betting so we can't just pay off the CC.

Income

	£	£
Salary	3,470.40
Other	100.00
Total Income		3,570.40
Variable Spending	1,394.49
Fixed Spending	1,794.96
Total Outgoings		3,189.45
Net Income		380.95

Savings rate of 10.67%

Assets

	£	£
Mr Stock Isa	75.67
Sharesave '19	1,600.00
Sharesave '20	400.00
Mr Global Fund Isa	1,456.86
HYP Capital Isa	188.96
Cash	1,231.70
Total Assets		4,953.19
Student Loan	0.00
Everday Credit Card	1,048.76
Carpet Loan	1,188.48
Car Loan	8,000.00
Total Liabilities		10,237.24
Net Assets		5,284.05

Charts

I love a chart :) but am going to focus on the important and relevant one(s) in the summary.

Slightly thrown out of sync because we took out the car loan - which gave us a jump in cash and debt. Expecting to re-pay majority of this loan next month and this will then - hopefully - look more positive.

Matched Betting

I've never found a way to really include MB in my monthly summaries. For now I'm just going to use the cash as a Net Asset. 

In February we made £294.95. My second highest ever month since January 2017. This was boosted by a handful of Bet365 seriously good offers (50 pre play, 50 Free bet in-play).

Next month is Cheltenham so hoping for a run of good deals!