Crazy Gains – Savings Report #10

This is a Saving Ninja savings report. Go to How To Track Your Savings to check out the Saving Ninja Super Spreadsheet. Please note that I split my expenses equally with my partner and the savings rate, house equity and house value represent my share only. The spreadsheet calculates my savings rate based off £12,000 worth of expenses per year, even though my expenses are actually Less Than 10k Per Year. This is to create a buffer; I’m aiming for at least 12k to reach financial independence.

What on earth happened this month!?

My investments made a staggering £2,816, the most it’s grown in a single month yet.

Surely some of my formulas are out of whack? That’s 5.47% interest gained in only 1 month; jeez!

Anyway, I’m not complaining. My total net worth grew by £6,732! Pretty darn awesome.

For some reason, my pension contribution this month went up to £2,657, up from £2,579 last month. I have no idea why this has happened as I haven’t changed anything. Maybe it’s still re-jigging from my pay rise last month?

We’ll see what it is next month, it will probably go back down.

My years to FI now stands at… Drum roll please…

3 years and 11 months!

Wooo, finally under the 4-year figure. Seeing that 3 makes it seem so soon, exciting stuff! I know it will probably flip-flop up and down, especially as the pot grows (and with this month’s insane 5.81% growth), so I’m not celebrating just yet.

Other Thoughts

April has been a pretty busy month. My Dad came to help me lay new flooring in the hallway over the Easter bank holiday. We successfully did it, but it took almost 3 full days and was pretty hectic. I may have to re-think my house building project (or at least try some smaller building projects first!)

It probably would have been more enjoyable if there was more time to complete the project leisurely, but as it stands I have no place to store any big tools so my Dad had to bring a bunch down (from across the country).

Turned out alright in the end though!


I wrote my first fiction piece of writing responding to Marc’s microfiction series, which was pretty fun. Again, one of my after-FI projects was to write a fantasy novel, so April saw a lot of “testing the waters” for these types of projects. It’s always good to try smaller scale projects out before committing to a full-blown one!

We saw the 5th installment of the Thought Experiment series which had over 16 articles written, our biggest turn out yet! I’m really happy that so many people like and participate in these posts, it’s almost sad that I switched from monthly to bi-monthly, but, I have to remember the reasons for doing so; there are still plenty of other topics that I want to write about.

The Thought Experiment posts are hard-work, not only do I have to write up the question and answer, but I have to keep track of everyone’s responses and read them all, which I enjoy doing, but is of course time-consuming. Once per month will be way too much I think, but we’ll see for now.


Wedding prep is still ramping up, a lot of things have been completed now and I see the finish line in sight. There is now under 3 months to go until the big day.

We also got our half-dome permits so we’ll be going on a 12-hour hike at the end of our honeymoon which will be awesome!

We get to climb up this thing!

Matched Betting

April saw my EW betting profits stay strong, making £3,419 (tax-free). This was from a very strong beginning of the month, a massive mid-month dip and then a strong finish.

I will be beginning to taper EW betting down over the coming months as a lot of my highest earning accounts have been gubbed. I still have a couple of account sources up my sleeve but I’ll be waiting until after the wedding to begin these. So, for now, I’ll be reducing EW betting efforts to around 20 minutes per weekday and I’ll be aiming for £500-£1000 per month profits.

This would still be a nice income with very little effort and should be doable on stake restricted accounts.

Rebo Portfolio Tracking

One of my favourite bloggers Andy @ has just released his super-secret new project to the world, portfolio tracking software called Rebo.

The software lets you compile all of your investment accounts into a single view and analyse all of your assets, great for if you have multiple accounts with different providers, they even have an option to add multiple people into a single view (for the family accountant 😉 )

It also tracks all of your investments automatically, so you don’t have to manually update your fund values each time the market changes.

I’ve been a beta tester for a while now and I’ve been enjoying using it. The best thing is, it’s free! Go and give it a try and let me know what you think.

See ya next month!

How did your month go? Let me know in the comments below.


20 thoughts on “Crazy Gains – Savings Report #10

  1. Nice numbers and progress there Saving Ninja.

    I’ve done the Half Dome hike. It’s spectacular, albeit it very hot at the time we did it. Makes sure you pack some gardening gloves for the final climb with the metal cable. I’ve heard people have cut their hands it before. Although there was a pile of gloves left behind by others when we went. Enjoy!

  2. Oh sweet sweet gains! 3 years and 11 months till FI is mentally good! The each way betting profits are also fantastic! Which accounts do you mainly use for EWB?

    1. Thanks Jase 😀

      My accounts are changing every other day as I’m gubbed on most of the big ones now. Most of Aprils profits were from BetVictor.

  3. How do you get these high interests? You’re beating the average ISA and pension fund significantly, any hints how you are achieving this?

  4. Great month Ninja! It shows the importance of playing the long game and accepting the ups and downs. Things looked bad at the end of 2018…but have picked up again…but I’m sure they’ll look bad again at some point and so on ad nauseam! The trend, not the noise, is what matters to me.

    Saw your tweet on today’s EW winnings. As it said you just couldn’t keep away!

  5. Check out all those lovely green numbers! 🙂

    Fantastic savings rate and congrats on getting below 4 years for your FI plan!

    And no need for me really to say great work on the EW betting – awesome results and even with you saying you’re going to dial it down a bit, I’d love to be getting £k a month!

    1. I’ve got severe gubbing on all Skybet accounts now, can only stake £1 and under 🙁 It’s discouraging, and won’t allow you to continue making a really good profit, but it’s still good money!

      I need to just get over the fact that I won’t be making as much 😛

  6. Yes, I’ve seen my investments and current work pension take a leap over the past month. Nice. Tempered though by last week’s plunges in the markets and now Trump’s renewed shenanigans with China. Less nice.

    But we’re in it for the long haul aren’t we? And the only way is up*.

    *Past performance is not an indi- blah blah etc…

  7. I suspect you might meed to be a bit more realistic on your FI numbers. If you are aiming to live on 12K a year that isn’t going to give you a much of a margin for any “life events” or if something significant and expensive breaks. It’s a good start though and by measuring your incoming. outgoings and investing for the future you are doing everything right. I technically reached FI a few years ago. However, I’d want a comfortable sum of money to live off which would allow me to travel and not worry if the boiler breaks. My FI target is about 40K and I’m quite close to achieving that but I continue to suffer from one more year syndrome. Also the current economic and political instability continue to worry me – especially with pensuion tax breaks so I’m continuing to work and stash the money away.

    1. Very impressive that you’re close to 40k passive income! Congrats 🙂

      I agree that 12k can sometimes be a bit too low, however, I think you can still live a really good life on minimum wage, my parents did. I actually wrote a post on this.

      Saying that, however, I aim to continue growing my stash even after FI, hence the blurb in my ‘About’ box over on the left of the site: “Quietly saving trying to become a millionaire without anyone noticing.”

      The reason I’ve set my ‘Years to FI’ number to 12k expenses is because that’s what my current expenses are, so I will, theoretically, be FI. And it’s always nice to have goals that are more achievable.

      We could always relocate to Scotland 🙂

  8. Solid on all fronts Ninja boy! 🙂

    One thought on the thought experiments success, maybe it was partially because you went to a two months gap there was such a good response? Pent up demand kind of thing? If you went back to monthly you might actually find the numbers drop again…

    I haven’t checked my investment accounts since January! I really should get around to it haha.

    1. You’re most probably correct 😛

      Oooo. You’re probably in for a nice surprise when you check those figures! I was below my book cost in January I think.

      Anyway, you should be enjoying the sun! I hope you’re having a good time 🙂

  9. Nice flooring! Personally I’d up the spending to 12.5k per year as this is the personal allowance. And weddings can be darn expensive. Sorry just added a couple of years to your target! Would be you actually early retire then? Or FI your target going part time or something like that.

    Are you going to change your portfolio as you near you FI target? Cheers Adam

    1. Hey Adam!

      I would be able to retire then as my current expenses are 10k PA.

      But, I don’t plan to; I plan to make it to £1m, it’s a personal goal of mine 🙂 I’ll probably cut back my hours when/if I have children.

      The portfolio will be staying at 100% Equities.

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