Wednesday, 30 November 2016

Last call - Life is beautiful

I am planning and looking and searching once again. It is time for me to reap the rewards, and this year is looking good, reported to the past five years. Second high income, the healthy weight plan implemented nicely, not too much training this month, mostly due to some injury to my feet. But the starts are aligned nicely, and everything is going according to the plan. Which made me think about that quote: "You want to make God laugh, start to make a plan.". How true is this one? No idea. I will start to do the checks for my end of the month health and financial report.

See you soon.

Sunday, 27 November 2016

End of the month

November is close to finish, and overall i had a good month, with decent expenses and one average income increase. I am getting close to my goal of finishing this year with no debts as one more was paid in full. Few more days and i will see the final results.

But i have a feeling that December will test my limits, as i will manage through birthdays and feasts, and gifts and holidays. But I am ready, show me what you got, dear month of endless shopping!

Sunday, 20 November 2016

Santa is getting ready

Oh, Christmas is coming, everybody is getting ready to buy expensive gifts to show their love for the closest ones, some will do this even just to compensate somehow their usual absence from home, under the pretext of extra work and being busy. What can we do to resist to all this strong call to spend, spend, spend? We are powerless, most of the time. Or are we not?

Some of us are checking early, to find some good deals, in order to save time later. Some will wait until the last minute for some bargain.

What are your strategies for December? I will appreciate a lot and i will provide unlimited 'thank you' for every hint and tip received.

Have a perfect month of December! (Yes, is coming soon.)

Yours truly

Monday, 7 November 2016

October 2016 - Monthly report

October 2016 - Monthly report
My Overview

Total portfolio: £9291 (-2110)
Debt: £2660 (+309)
Net Worth: £6631 (-2210)

Investments UK: £1744(-2210)
Investments overseas : £1964 (-19)
Cash: £321 (-39)
Pension: £5144 (+156)

Total Income: £1285 (+99)
Passive income: £138 (10.74%)
Savings rate: 8.16%

Side hustle 1 value: £392
Side hustle 2 value: £11128
Side hustle 3 value: £274

Where to start? Maybe you noticed the hustle no.3, that it is increasing slowly, with an estimate of 3-400 monthly. The first two side hustles are paused at the moment, for personal reasons. That was the good news. Now on the other side, due to my businesses and to some personal reasons, i got a significant drop in my investments. Pension increased slightly, Cash stayed quite the same. Debts increased a bit. A mini-disaster, eating this year growth, partially due to the Brexit and some uninspired choices. But we need to go on, isn't it? I hope the next month will find me better, and i will even try to finish December on positive balance. Let's see what happen! I am not stopping just because of one setback. I will be victorious.

Have a perfect week,

Thursday, 3 November 2016

One year health plan - month 5

Motto: All the wealth in the world worth nothing for you, if you are not healthy.
(Financial freedom wizards manual)

Weight: 84 kg (1.3 kg more than 30 days before - 85 kg) at 1.80 m (5'9'') Aiming for 83 kg and 22% body fat in November.
Body fat: 24%  (2% more)
BMR (basic metabolic rate) = 1858 kcal
PAL (physical activity level) = 1.375
Energy requirement daily = 2554 kcal
BMI = 26

So, a decrease of 500 kcal per day should be sustainable if i eat enough fruit and veg.

1. Body
- Yoga techniques (postures, breathing and meditation) 31 sessions - 91%
- The 300 training - proven unappealing, as it was supposed to be done once per week, but i did it only once in a month - 25%
- Running - 9 sessions -112%
- Wing Chun Kung Fu minimal training- 26 sessions - 82%

2. Diet
- A 70% plant based diet (with a twist of 70% alkaline food daily), no chemicals, less sugar, better hydration (300 ml water every 3 hours when possible) - I achieve this 75% of the time, i would say.
- One day a week - 24 hour fasting - did it 5 times in October. I kind of cheated my diet at least few times, having sweets or fizzy drinks, for couple of days in a row. For November i aim for caffeine or fizzy once per week and sugary sweets twice per week only.

3. Mind
- Mindfulness techniques aka meditation: 31 times - 100%
- Memory training techniques: 93%
- Brain boosting supplements - For the first month i tried: Omega 3, Magnesium, Ginseng and Ginkgo biloba solution, Bee pollen (several times) and my herbal remedies (but for the herbal treatments i did it completely only 50% of the time).

Physical training - Running was fine, an i can even see some progress in mobility, due to the regular yoga postures. I had added The Sun Salute (Surya Namaskara) to the mix, few repetitions every day, and I am planning at least 3 medium to difficult trainings every week. I will run a bit more when possible and i will try some kind of physical conditioning this month.
Diet - Was better than September, but I ate well enough to cover my daily calories intake very often.
Mind - I am getting better, but the cold will somehow phase me out creating problems to my breathing and rest. Sleep was suboptimal at the end of the month, and i am still recovering.

Tuesday, 1 November 2016


I will get my one year health plan first. The financial monthly report will follow soon after, Until now is good enough for a beginner - more than £100 in one week with matched betting. And that was while i was learning the skill. I think i will talk a bit about the errors that I did on my way, in a following post. You know what they say: A clever man learn from his own mistakes, a wise one learn from other's mistakes.