One of the best things about being comfortable in the money sphere is having some money for pleasures in the budget. And what day is better for a treat than your birthday? Well…I wouldn’t be myself if I just spent the money, so here is how my birthday went with gifting things for myself.
I’m very fortunate to have a reasonable disposable income. This simply means that I can allocate as much as £1000 as a ‘gift to myself’ for my birthday. And today I’ll tell you exactly what I got myself this year.
I have been unable to seem my parents for much too long. One of the first things I purchased was £85 return flight ticket to see them for later this month. And since it looks really unlikely that UK will introduce quarantine requirements for the country where my parents live, I’ve also purchased another one for November for £73.24 exactly. Now keep your fingers crossed for them not to get cancelled last minute.
My signature fragrance has been Chloe – for the last 10 years. Except in 2018 when I run out of it I decided to work my way through all the other fragrances I own. And it totally took me 2 years to use up most perfumes in my collection and I am now down to last drops of Marc Jacobs ‘ Daisy. So it was time. A large bottle of Chloe eau de Parfum costs around £85. And here is a tip – don’t buy it from Amazon, buy it from a reputable source.
I would not be me if I chose to just spend the remaining £700 on ‘things’. So I got £700 worth of fund shares and honestly I went a little crazy with how fragmented this purchase was… I got seven separate investments of £100 each. This is not an advisory post, so take the list with a pinch of salt:
- Baillie Gifford American (Class B Accumulation)
- HSBC FTSE All World Index (Class C Income)
- iShares Pacific xJapan Equity Index (Class H Accumulation)
- Legal & General Global Technology Index (Class I Accumulation)
- Legal & General US Index (Class C Accumulation)
- Lindsell Train Global Equity (Class D Income)
- Vanguard FTSE 100 Index (Income)
Why did I do that, instead of investing all into a single holding or two? I’ve been investing into various holdings for a couple of years now. In my case therefore this was not a one-off purchase but simply a snowflake purchase on top of my monthly shopping. My preference is also for a fragmented portfolio because putting all your eggs in one basket just never is a good idea.
I honestly was thinking about getting a designer handbag instead, but in current climate it felt that this gift to myself is more appropriate. And the handbag on my list tops £5k, so let’s just say it’s going to be a while before I can get it.