End of the month - February 2025

 Total portfolio: £132462 (-11009)

Here we are at the beginning of the year, checking the numbers. How am I doing? Let's see:

Debt: 237 (-122)

External funds: ZERO

Car: No

Net Worth: £132225 (-22711)

Investments UK: £79685 (-23361)

Investments overseas: £1981 (same)

Cash: £13431 (+537)

Pension: £36860 (+468)

Passive income: £453 (19.88%)

Savings rate: 18%

Side hustle 2 profit (Royalties): £ 2.91

Side hustle 3 profit (Match betting): £0

Side hustle 4 value (Crypto): £453(All my funds invested in crypto were recovered)

Side hustle 5 profit (Focus groups): £0

Side hustle 6 profit (Internet):£0

Projects to follow up in 2024:

Hive - 20.84% completed (generated $311 this month)

Across - 31.92% completed (generated $150 this month)

Shares Account no.1 AJ Bell 10K - 20.14% completed

Shares Account no.2 Freetrade 10K- 13.71% completed

Cash 20K - 64% completed

Crypto decreasing drastically after Trump-Zelenski media circus took my net worth 20K down. Other than that, I paid some of my Paypal debt, hopefully going to zero end of March. I did bought loads of hotels, plane tickets and other stuff, having 3 consecutive holidays in January, February and March, but now we will take a break for April and May. Just work, work and work, with some potential additional part-time work on the horizon (extra money to go for shares, I think). The passive income was quite low, compared to the previous months. I need to work on some 10 year plan, to see how much I need to save monthly in order to retire at the age of 57. 10 more years to go, and I need to build enough funds to stop doing any physical work. 

I wish you a profitable well-planned rest of the year!

G.

End of the month report - January 2025

Total portfolio: £143471 (+7329)

Here we are at the beginning of the year, checking the numbers. How am I doing? Let's see:

Debt: 359 (+156)

External funds: ZERO

Car: No

Net Worth: £154936 (+11668)

Investments UK: £103046 (+10136)

Investments overseas: £1981 (same)

Cash: £12894 (+1233)

Pension: £36392 (+985)

Passive income: £794 (27.61%)

Savings rate: 27.61%

Side hustle 2 profit (Royalties): £ 2.90

Side hustle 3 profit (Match betting): £0

Side hustle 4 value (Crypto): £760(All my funds invested in crypto were recovered)

Side hustle 5 profit (Focus groups): £0

Side hustle 6 profit (Internet):£0

Projects to follow up in 2024:

Hive - 19.63% completed (generated $285 this month)

Across - 38% completed (generated $218.50 this month)

Shares Account no.1 AJ Bell 10K - 20% completed

Shares Account no.2 Freetrade 10K- 15.49% completed

Cash 20K - 64% completed

Crypto kept going up, with a £10.000 increase. The plan for this year is to double my cash reserves up to 20K and increase my 2 Shares accounts slowly, when possible. other than that, the two crypto projects that I want to increase to generate more returns are still up for 2025. I paid all the debts in full, but I made some new ones, as I bought some Huel drinks for a 3 months experiment, to improve my health. Live healthier, for longer, seems to be the idea, and I already lost 8 kg, with all my blood tests looking good for now.

Other than that, debts went a bit up as I paid for accommodation for 2 short and one long holiday, one flight and one bus trip for two. Not excessively, though. Crypto went up, and I am slowly building 2 share accounts of 10K each, to start with. Good news, seems that I can get my private pension early, in 2035, £4000 per year/ 333 per month. Need to provide the rest somehow. The cash reserve needs to double this year, somehow.

I wish you a profitable well-planned year!

G.

End of the year report - December 2024

 Total portfolio: £143471 (+7329)

Here we are at the end of the year, checking the numbers. How am I doing? Let's see:

Debt: 203 (-3)

External funds: ZERO

Car: No

Net Worth: £143268 (+7326)

Investments UK: £92910 (+6391)

Investments overseas: £1981 (same)

Cash: £11661 (-339)

Pension: £35407 (+389)

Passive income: £1430 (42.90%)

Savings rate: 12.85%

Side hustle 2 profit (Royalties): £ 3.89

Side hustle 3 profit (Match betting): £0

Side hustle 4 value (Crypto): £1430 (All my funds invested in crypto were recovered)

Side hustle 5 profit (Focus groups): £0

Side hustle 6 profit (Internet):£0

Projects to follow up in 2024:

Hive - 19.45% completed (generated $234 this month)

Across - 42% completed (generated $182 this month)

Shares Account no.1 AJ Bell 10K - 17.82% completed

Shares Account no.2 Freetrade 10K- 14.16% completed

Cash 10K - 100% completed

Crypto kept going up, with a £7.000 increase. The plan for this year is to double my cash reserves all the way up to 20K and increase my 2 Shares accounts slowly, when possible. other than that, the two crypto projects that I want to increase in order to generate more returns are still up for 2025. I paid all the debts in full, but I made some new ones, as I bought some Huel drinks for a 3 months experiment, to improve my health. 

Wish you a happy new year!

G.

End of the month report - November 2024

Total portfolio: £136142 (+24875)

Here we are at the end of the year, checking the numbers. How am I doing? Let's see:

Debt: 200 (-304)

External funds: ZERO

Car: No

Net Worth: £135942 (+25179)

Investments UK: £86519 (+21070)

Investments overseas: £1981 (same)

Cash: £12000 (+416)

Pension: £35018 (+535)

Passive income: £687 (21.83%)

Savings rate: 14.30%

Side hustle 2 profit (Royalties): £ 0.07

Side hustle 3 profit (Match betting): £0

Side hustle 4 value (Crypto): £651 (All my funds invested in crypto were recovered)

Side hustle 5 profit (Focus groups): £0

Side hustle 6 profit (Internet):£0

Projects to follow up in 2024:

Hive - 16.68% completed (generated $247 this month)

Across - 40% completed (generated $227 this month)

Shares Account no.1 AJ Bell 10K - 17.91% completed

Shares Account no.2 Freetrade 10K- 13.80% completed

Cash 10K - 100% completed

Not a bad month, with the main boost from crypto, as most of my portfolio is in there for now. I got a £25.000 increase for now, so the time to get some rewards transferred into the bank account is here. Other than that, I did get a wage increase of 2%, I think, but the good part is that they have paid us retroactively since April 2024, so I had an extra 600 from there. I did pay 304 of my debts, with £200 left, so most probably I will end this year debt-free. I have reached £10K in savings for this year, but I am working to make it at least 20K by next year. Besides that, this will be an expensive month, as I had to pay for some stuff for one 50s birthday, like a pub venue, balloons and photo booth, DJ and such. We are organizing a big birthday party in the middle of December. I will focus on making the two shares account to reach £10K too. Somehow. I may have lined up some agency work, especially for this reason.

Wish you a happy new year!

G.

End of the month report - October 2024

Total portfolio: £111267 (+2712)

Here we are the end of the year, checking the numbers. How am I doing? Lets see:

Debt: 504 (-196)
External funds: ZERO
Car: No
Net Worth: £110763 (+2908)
Investments UK: £65449 (+4407)
Investments overseas : £1981 (+566)
Cash: £11584 (+1166) 
Pension: £34483 (+591)

Passive income: £1512 (45%)
Savings rate: 30.70% 

Side hustle 2 profit (Royalties): £ 0
Side hustle 3 profit (Match betting): £0
Side hustle 4 value (Crypto): £1512(All my funds invested in crypto were recovered)
Side hustle 5 profit (Focus groups): £0

Side hustle 6 profit (Internet):£0

Projects to follow up in 2024:

Hive - 16.50% completed (generated $189 this month)

Across - 34.25% completed (generated $1105 this month)

Shares Account no.1 AJ Bell 10K - 17.60% completed

Shares Account no.2 Freetrade 10K- 12.90% completed

Cash 10K - 100% completed

Not a bad month, with small efforts, but often, as I got some savings on both my bank accounts £200 on one, £250 on another, and I sent £600 to settle an old debt. Next two months, a different story as I need to make a party for my wife (a big round number) and buy a new phone, all while I am saving a bit still. The Emergency cash savings account is completed now, as I start to put some money into shares, while I am still trying to get Hive and Across increasing. Did got my interest on Across, with the next harvest programmed for June 2025. I may go next for the Freetrade 10K in Shares, as a plan B. 

Wish you a good year!

G.

End of the month report - September 2024

 Total portfolio: £108555 (+5856)

Here we are the end of the year, checking the numbers. How am I doing? Lets see:

Debt: 700 (-200)
External funds: ZERO
Car: No
Net Worth: £107855 (+6056)

Investments UK: £61042 (+2904)
Investments overseas : £1415 (0)
Cash: £11584 (+1166) 
Pension: £33892 (+787)

Passive income: £1390 (41%)
Savings rate: 16.20% 

Side hustle 2 profit (Royalties): £ 3.69
Side hustle 3 profit (Match betting): £0
Side hustle 4 value (Crypto): £1353(All my funds invested in crypto were recovered)
Side hustle 5 profit (Focus groups): £0

Side hustle 6 profit (Internet):£0

Projects to follow up in 2024:

Hive - 16.22% completed (generated $120 this month)

Across - 31.60% completed (generated $324 this month)

Shares Account no.1 AJ Bell 10K - 17.70% completed

Shares Account no.2 Freetrade 10K- 11.80% completed

Cash 10K - 96.30% completed

Not a bad month, with small efforts, but often, as I got some savings on both my bank accounts £200 on one, £250 on another, and I sent £100 on the shares portfolio. While some of the increase is due to the crypto value going up, I did had some $616 coming from some forgotten investment, and I did got some extra cash on my wages thanks to the August bank holiday. Overall, my net worth added 6K more to the total. 

Wish you a good year!

G.

End of the month report - August 2024

 Total portfolio: £102699 (-11163)

Here we are the end of the year, checking the numbers. How am I doing? Lets see:

Debt: 900 (-215)
External funds: ZERO
Car: No
Net Worth: £101799 (-10948)

Investments UK: £68927 (-1248)
Investments overseas : £1415 (0)
Cash: £10418 (+28) 
Pension: £33105 (+598)

Passive income: £630(25%)
Savings rate: 10% 

Side hustle 2 profit (Royalties): £ 0
Side hustle 3 profit (Match betting): £0
Side hustle 4 value (Crypto): £551(All my funds invested in crypto were recovered)
Side hustle 5 profit (Focus groups): £0

Side hustle 6 profit (Internet):£50

Projects to follow up in 2024:

Hive - 16% completed (generated $120 this month)

Across - 32% completed (generated $324 this month)

Shares Account no.1 AJ Bell 10K - 17.40% completed

Shares Account no.2 Freetrade 10K- 10.80% completed

Cash 10K - 93.50% completed

A big drop of around £10948 due to the crypto portfolio, as everything went down lately in value. But the shares are recovering, and hopefully the crypto will follow soon. I am close to get the desired £10K in cash savings. Other than that, I am increasing some crypto portfolios now when is cheap to buy, hopefully to convert it later in shares money when they go up. A medium risk move, but they still bring a decent profit every month in interest. 

Wish you a good year!

G.