End of the month report - February 2026

 Total portfolio: £124072 (+134)

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

Debt: 300 (zero)

External funds: ZERO

Car: No

Net Worth: £123772 (+134)

Investments UK: £56562 (-2194)

Investments overseas: £1507 (-152)

Cash: £19502 (+772)

Pension: £45878 (+1714)

Passive income: £370 (17.23%)

Savings rate: 25%

Side hustle 2 profit (Royalties): £0

Side hustle 4 value (Crypto): £370 (All my funds invested in crypto were recovered)

Side hustle 5 profit (Focus groups): £0

Side hustle 6 profit (Internet):£0

Side hustle 7 profit (Reclaimed investment 2026): $2.10

Projects to follow up in 2026:

Hive - 26.69 % completed (generated $66 this month)

DEFI - 0 % completed (generated $226 this month)

Shares Account no.1 AJ Bell 10K - 24.32 % completed

Shares Account no.2 Freetrade 10K- 30.61 % completed

Cash 30K - 65% completed

Secret stash - 9.71%

All the special projects are going well, 25% or more of it achieved, except one, with the next aim of 25% for the AJBell shares account to be completed. Crypto went a bit up, and now is going a bit down.  I managed to add a hundred pounds here and there, working up my 2 positions on Freetrade app - BlackRock investment funds and UK Treasury bill shares. The idea is to build a position on £10.000 and let it grow, as a secondary emergency fund, in case of need. 

A £134 total increase, thanks to cash reserves and pension value increasing, even if the crypto positions that dropped quite a bit in February (Bitcoin going from $88K to 65K mainly). I did made a move using all my stablecoins to buy some crypto and stake them for interest, expecting them to increase in value sometimes in the future, when the bull market is back. Other than that, pensions and shares were stable, and the cash position increased marginally, I think. The market is not helping right now, but I keep going, hoping at least to buy cheap. Even if it is just a couple hundred pounds. I am still geting a bit on each project, every month, waiting for the market to fully recover. I got a new hustle called reclaimed investment 2026, which is mostly made up by funds spent on different games and crypto, reclaimed back, in dollars ($2.10 for now).

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

G.

End of the month report - January 2026

 Total portfolio: £123938 (-2183)

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

Debt: 300 (+300)

External funds: ZERO

Car: No

Net Worth: £123638 (-2014)

Investments UK: £58756 (-2857)

Investments overseas: £1659 (+59)

Cash: £18730 (+37)

Pension: £44164 (+441)

Passive income: £407 (17.23%)

Savings rate: 25%

Side hustle 2 profit (Royalties): £ 1

Side hustle 4 value (Crypto): £407 (All my funds invested in crypto were recovered)

Side hustle 5 profit (Focus groups): £0

Side hustle 6 profit (Internet):£0

Side hustle 7 profit (Reclaimed investment):$ 0.80

Projects to follow up in 2026:

Hive - 26.27 % completed (generated $84 this month)

DEFI - 37.16 % completed (generated $252 this month)

Shares Account no.1 AJ Bell 10K - 22.95 % completed

Shares Account no.2 Freetrade 10K- 31.46 % completed

Cash 30K - 61.87 % completed

All the special projects are going well, 25% or more of it achieved, except one, with the next aim of 25% for the AJBell shares account to be completed. Crypto went a bit up, and now is going a bit down. I managed to add a hundred pounds here and there, working up my 2 positions on Freetrade app - BlackRock investment funds and UK Treasury bill shares. The idea is to build a position on £10.000 and let it grow, as a secondary emergency fund, in case of need. 

A £2183 total decrease, thanks to the crypto positions that dropped quite a bit in January (Bitcoin going from $120K to 88K mainly). Other than that, pensions and share were stable, and the cash position increased marginally, I think. The market is not helping right now, but I keep going, hoping at least to buy cheap. Even if it is just a couple hundred pounds. I am still geting a bit on each project, every month, waiting for the market to fully recover, sometimes in the future.I got a new hustle called reclaimed investment, which is mostly made up by funds spent on different games and crypto, reclaimed back, in dollars ($0.80 for now).

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

G.

End of the year - 2025

Total portfolio: £126121 (-415)

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

Debt: 0 (0)

External funds: ZERO

Car: No

Net Worth: £125652 (-884)

Investments UK: £61613 (-1123)

Investments overseas: £1600 (0)

Cash: £18562 18693 (-131)

Pension: £43723 (+720)

Passive income: £574 (22.27%)

Savings rate: 22.81%

Side hustle 2 profit (Royalties): £ 1

Side hustle 4 value (Crypto): £520 (All my funds invested in crypto were recovered)

Side hustle 5 profit (Focus groups): £0

Side hustle 6 profit (Internet):£0

Side hustle 7 profit (Reclaimed investment):£0

Projects to follow up in 2026:

Hive - 26 % completed (generated $97 this month)

DEFI - 37 % completed (generated $154 this month)

Shares Account no.1 AJ Bell 10K - 22.34 % completed

Shares Account no.2 Freetrade 10K- 29 % completed

Cash 30K - 61.87 % completed

All the special projects are going well, 25% or more of it achieved, with the next aim of 25% for the AJBell shares account to be completed. Crypto went a bit up, and now is going a bit down. I managed to add a hundred pounds here and there, working up my 2 positions on Freetrade app - BlackRock investment funds and UK Treasury bill shares. The idea is to build a position on £10.000 and let it grow, as a secondary emergency fund, in case of need. 

A £415 total decrease, thanks to the crypto positions that dropped quite a bit in December (Bitcoin going from $120K to 90K mainly). Other than that, pensions and share were stable, and the cash position decreased by 0.1%, I think. The market is not helping right now, but I keep going, hoping at least to buy cheap. Even if it is just a couple hundred pounds. I am still geting a bit on each project, every month, waiting for the market to fully recover, sometimes in the future.I got a new hustle called reclaimed investment, which is mostly made up by funds spent on different games and crypto, reclaimed back. 

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

G.

End of the month - November 2025

 Total portfolio: £126536 (-10474)

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

Debt: 0 (0)

External funds: ZERO

Car: No

Net Worth: £126536 (-10474)

Investments UK: £62736 (-10443)

Investments overseas: £1600 (0)

Cash: £18693 (-199)

Pension: £43003 (+288)

Passive income: £608 (23.29%)

Savings rate: 21.06%

Side hustle 2 profit (Royalties): £ 0

Side hustle 3 profit (Match betting): £0

Side hustle 4 value (Crypto): £497 (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 2025:

Hive - 25.45 % completed (generated $134 this month)

DEFI - 36.97 % completed (generated $248 this month)

Shares Account no.1 AJ Bell 10K - 22.34 % completed

Shares Account no.2 Freetrade 10K- 27.14 % completed

Cash 20K - 93.46 % completed

All the special projects are going well, 20% or more of it achieved, with the next aim of 25% for all of them to be completed. Crypto went a bit up, and now is going a bit down. I managed to add a hundred pounds here and there, working up my 2 positions on Freetrade app - BlackRock investment funds and UK Treasury bill shares. The idea is to build a position on £10.000 and let it grow, as a secondary emergency fund, in case of need. 

A £10474 decrease, thanks to the crypto positions that dropped quite a bit in November (Bitcoin going from $120K to 80K mainly). Other than that, pensions and share lost just 1-2% of their value, and the cash position decreased by 0.1%, I think. The market is not helping right now, but I keep going, hoping at least to buy cheap. Even if it is just a couple hundred pounds. I am still geting a bit on each project, every month, waiting for the market to fully recover, sometimes in the future. At least I got a decent £50 on the Yougov surveys. 

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

G.

End of the month - October 2025

Total portfolio: £137010 (+5845)

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

Debt: 0 (0)

External funds: ZERO

Car: No

Net Worth: £137010 (+5845)

Investments UK: £73179 (-6013)

Investments overseas: £1600 (0)

Cash: £18892 (+1784)

Pension: £42715 (+2073)

Passive income: £593 (22.28%)

Savings rate: 21.89%

Side hustle 2 profit (Royalties): £ 0.21

Side hustle 3 profit (Match betting): £0

Side hustle 4 value (Crypto): £544 (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 2025:

Hive - 24.90 % completed (generated $180 this month)

DEFI - 36.72 % completed (generated $176 this month)

Shares Account no.1 AJ Bell 10K - 22.29 % completed

Shares Account no.2 Freetrade 10K- 27.34 % completed

Cash 20K - 94.46 % completed

All the special projects are going well, 20% or more of it achieved, with the next aim of 25% for all of them to be completed. Crypto went a bit up, and now is going a bit down. I managed to add a hundred pounds here and there, working up my 2 positions on Freetrade app - BlackRock investment funds and UK Treasury bill shares. The idea is to build a position on £10.000 and let it grow, as a secondary emergency fund, in case of need. 

A £5845 increase, as cash and pension accounts are going out, and crypto went down. Profit from passive income went back to normal, £544 this month, as I was more than half of it on holiday. I cannot complain about it, trying to make some decent profit in the last two months of the year, as there is no more holiday for me until January. I am close to reach my cash reserves target for the year, with a focus on some extra shares next. We will see how November goes. 

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

G.

End of the month report - September 2025

 Total portfolio: £131165 (-9949)

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

Debt: 0 (0)

External funds: ZERO

Car: No

Net Worth: £131165 (-9949)

Investments UK: £79192 (-3815)

Investments overseas: £1600 (-8)

Cash: £17108 (+1110)

Pension: £40642 (+645)

Passive income: £4433 (68.88%)

Savings rate: 11.20%

Side hustle 2 profit (Royalties): £ 0.23

Side hustle 3 profit (Match betting): £0

Side hustle 4 value (Crypto): £4377 (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 2025:

Hive - 24.58 % completed (generated $180 this month)

DEFI - 36.54 % completed (generated $230 this month)

Shares Account no.1 AJ Bell 10K - 21.57 % completed

Shares Account no.2 Freetrade 10K- 26.23 % completed

Cash 20K - 85 % completed

All the special projects are going well, 20% or more of it achieved, with the next aim of 25% for all of them to be completed. Crypto went a bit up, and now is going a bit down. I managed to add a hundred pounds here and there, working up my 2 positions on Freetrade app - BlackRock investment funds and UK Treasury bill shares. The idea is to build a position on £10.000 and let it grow, as a secondary emergency fund, in case of need. 

A 10K drop of the total net worth, due to crypto volatility, but in terms of real money I did well, a good profitable month, mostly because I finally cashed in another crypto that went up by a factor of x10, well it was only x9 by the time I sold but I cannot complain, got some nice stablecoins there. The investments value dropped only by a £3815, which is acceptable. Cash reserves went up too, £1100 added, 5% more. So, I keep building, like there is no tomorrow, because there are only 6 years left until I plan to retire. And still a lot of work to be done. 

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

G.

End of the monthy report - August 2025

 Total portfolio: £141114 (+9990)

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

Debt: 0 (-294)

External funds: ZERO

Car: No

Net Worth: £141114 (+10284)

Investments UK: £83007 (+8294)

Investments overseas: £1608 (+111)

Cash: £15998 (+310)

Pension: £39997 (+1267)

Passive income: £4784 (68.21%)

Savings rate: 22.70%

Side hustle 2 profit (Royalties): £ 0.05

Side hustle 3 profit (Match betting): £0

Side hustle 4 value (Crypto): £4737 (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 2025:

Hive - 24.36 % completed (generated $131 this month)

DEFI - 36.10 % completed (generated $332 this month)

Shares Account no.1 AJ Bell 10K - 21.05 % completed

Shares Account no.2 Freetrade 10K- 24.10 % completed

Cash 20K - 80 % completed

All the special projects are going well, 20% or more of it achieved, with the next aim of 25% for all of them to be completed. Crypto went a bit up, and now is going a bit down. I managed to add a hundred pounds here and there, working up my 2 positions on Freetrade app - BlackRock investment funds and UK Treasury bill shares. The idea is to build a position on £10.000 and let it grow, as a secondary emergency fund, in case of need. 

All debt were paid, the flight tickets for my end of the year holiday. A few extra expenses coming soon, a new mattress and the rent posibly going up £175 in the next 2-3 months. Saving will be harder with this current economy, I tell you. Noticed that crypto interest is hovering around £500 monthly, in 2025. Now you see from where I get my Freetrade shares funds. Thinking of it as some real-world value transfer. Some months it works, some it wont. I only need to keep it under the legal limit of £3000 per year to avoid tax. I am at $600 for now, and it is August, so I should not worry. The Virgin pension is increasing the monthly dues, again, but I only got another 7 years until it is kicking in, so I am willing to put the money in there. That's all for now!

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

G.