Getting to update my Ultimate Dream Fund at the end of each month is one of my favourite parts of our journey. Each month, I can see us inching slowly towards our goal. It has been another turbulent month for my investments to be honest. Quite a few large ups and downs! However, as I don’t intend to sell any of my investments any time soon, it doesn’t matter quite so much. It is difficult to log on and see such varying numbers each day though.


The Ultimate Dream Fund is named because it is our dream to retire early, and we need the funds to make that happen! One day, this fund will provide us with the money to live on when we leave our 9-5 jobs and time will be all ours. That’s the biggest motivator for achieving our goal. Being able to spend our time with our family is what we’re doing this for; there’s nothing more meaningful to us than that. Recent events have highlighted this even more than ever that family matters the most.


I continue to post updates on our fund for two reasons. One, so that I can show that living a frugal lifestyle means that we can retire earlier than we should do and still live a good life on the journey. Secondly, to keep me motivated for the long haul. This journey is going to take us a long time, but it’ll be worth it in the end. This plan also includes us being mortgage free, so that our monthly outgoings are reduced and manageable. Our monthly outgoings can be fairly low without a mortgage payment. More motivation!



February’s dividend income was good (post up tomorrow on that!) and those dividends have already been reinvested so that they are working hard for us. Receiving dividends throughout the month means that I get multiple small pay checks each month. For doing nothing! I still love the dividend investing approach. Over time, the percentage reinvested will increase and so the amount needed to be saved from income will decrease, or we’ll be able to speed up the process! All of this is within my stocks and shares ISA which is with Hargreaves Lansdown. It is very easy to use and I’d definitely recommend them. You can get information about that here or even open an ISA today.


As of February 28th, our Ultimate Dream Fund looks like this:


So, we totally bypassed the £12k mark! This is an overall increase of £1,557.01 for the month of February, which is amazing. It also shows what the markets can do. I transferred just over £1,300 into the fund during the month but it has increased by more than that. If only this happened every month!


Finally, here is the fund’s progress since I started it in June 2015:


How was February for your savings/investing targets?  


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