Monthly premium bonds draw, semi-retirement plans still a work in progress and another margin session in clear, shallow water

It was that time of the month, at midnight just gone, when the premium bonds draw is announced.

My wife and I both have an equal amount of bonds, but any winnings goes to a joint account anyway, so the friendly banter we have about who wins the most is just that.

This time round she came up trumps again, with two wins to my one.

We had a £25 each but her other win was £100, making it £150 in total.

If we can get £100 per month, we’re happy, and we see anything on top as a bonus.