End of the month - October 2026

 Total portfolio: £136352 (-8450)

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

Debt:1358  (+96)

External funds: ZERO

Car: No

Net Worth: £134994 (-8556)

Investments UK: £ 60188 (-8019)

Investments overseas: £1389 (zero)

Cash: £23288 (-392)

Pension: £50472 (-441)

Passive income: £241 (9.99%)

Savings rate: 22%

Side hustle 2 profit (Royalties): £8

Side hustle 4 value (Crypto): £187(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 for 2026): $133

Projects to follow up in 2026:

Hive - 29.45 % completed (generated $59 this month)

DEFI - 0.28 % completed (generated $2.73 in interest this month)

Shares Account no.1 AJ Bell 10K - 28.71 % completed

Shares Account no.2 Freetrade 10K- 37.18 % completed

Cash 30K - 77.62 % completed

Secret stash - 11.69 % completed (generated $41.18 this month)

All the special projects are going well, 25% or more of it achieved, except one, with the next aim of 25% for the secret stash account to be completed. Crypto went down again as some major exchange got hacked. 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, and the AJBell shares having an Vanguard Income mutual fund. The idea is to build a position on £10.000 and let it grow, as a secondary emergency fund, in case of need. I can even go wild with 10K on each position making it 20K each later. 

A £8450 decrease in total, with only the UK savings going down by £8019, and even pensions going down by £441 this month, as the crypto stash went down a lot (no worries, as they yo-yo up and down lately, i expect a decent increase by the end of the year, as I try to buy cheap for now). I did have a £1389 debt now, as I booked a Cirque de Soleil show in February. Not much to be done, but I will try to pay them in full this year, in order to gift myself a computer for Christmas. Funny enough, still cheaper than a good phone! Every little help, right?

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

G.

End of the month report September 2026

Total portfolio: £144812 (+9101)

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

Debt: 1262 (-238)

External funds: ZERO

Car: No

Net Worth: £143550 (+8839)

Investments UK: £68207 (+5982)

Investments overseas: £1389 (zero)

Cash: £23680 (+2466)

Pension: £50913 (+683)

Passive income: £1582 (36.29%)

Savings rate: 15%

Side hustle 2 profit (Royalties): £0

Side hustle 4 value (Crypto): £1505 (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 for 2026): $133

Projects to follow up in 2026:

Hive - 29.09 % completed (generated $72 this month)

DEFI - 0.27 % completed (generated $1in interest this month)

Shares Account no.1 AJ Bell 10K - 27.13 % completed

Shares Account no.2 Freetrade 10K- 34.33 % completed

Cash 30K - 78.90 % completed

Secret stash - 14.05 % completed

All the special projects are going well, 25% or more of it achieved, except one, with the next aim of 25% for the secret stash account to be completed. Crypto went up again. 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, and the AJBell shares having an Vanguard Income mutual fund. The idea is to build a position on £10.000 and let it grow, as a secondary emergency fund, in case of need. I can even go wild with 10K on each position making it 20K each later. 

A £9101increase in total, with only the UK savings going up by £5982, and even pensions going up by £683, as the crypto stash went up £6000 (no worries, as they yo-yo up and down lately, i expect a decent increase by the end of the year, as I try to buy cheap for now). I did have a £1262 debt now, with all my booked holidays being paid slowly. Not much to be done, but I will try to pay them in full this year, in order to gift myself a computer for Christmas. Funny enough, still cheaper than a good phone! Every little help, right?

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

G.

End of the month report - August 2026

   Total portfolio: £135711 (+12.278)

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

Debt: 1500 (-126)

External funds: ZERO

Car: No

Net Worth: £134711 (+12904)

Investments UK: £62255 (+10281)

Investments overseas: £1389 (zero)

Cash: £21214 (-74)

Pension: £50230 (+927)

Passive income: £5165 (72.29%)

Savings rate: 91.37%

Side hustle 2 profit (Royalties): £0

Side hustle 4 value (Crypto): £5033(All my funds invested in crypto were recovered)

Side hustle 5 profit (Focus groups): £0

Side hustle 6 profit (Internet):£85

Side hustle 7 profit (Reclaimed investment for 2026): $107

Projects to follow up in 2026:

Hive - 28.74 % completed (generated $55 this month)

DEFI - 0.27 % completed (generated $1in interest this month)

Shares Account no.1 AJ Bell 10K - 25.35 % completed

Shares Account no.2 Freetrade 10K- 36.00 % completed

Cash 30K - 70.71 % completed

Secret stash - 12.44 % completed

All the special projects are going well, 25% or more of it achieved, except one, with the next aim of 25% for the secret stash account to be completed. Crypto went a down again. 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. I can even go wild with 5K on each position making it 10K each later. 

A £12278 increase in total, with only the UK savings going up by £10281, and even pensions going up by £927, as the crypto stash went up £12000 (no worries, as they yo-yo up and down lately, i expect a decent increase by the end of the year, as I try to buy cheap for now). I did have a £1500 debt now, with my holidays booked mostly. Not much to be done, but I did some £2 this month doing this trick. Every little help, right?

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

G.

End of the month report - July 2026

  Total portfolio: £123433 (+2884)

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

Debt: 1626 (+1626)

External funds: ZERO

Car: No

Net Worth: £121807 (+1368)

Investments UK: £51974 (+3205)

Investments overseas: £1389 (zero)

Cash: £21288 (+1144)

Pension: £49303 (-630)

Passive income: £158 (7.29%)

Savings rate: 25.93%

Side hustle 2 profit (Royalties): £0

Side hustle 4 value (Crypto): £113(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 for 2026): $86

Projects to follow up in 2026:

Hive - 28.42 % completed (generated $58 this month)

DEFI - 0.26 % completed (generated $1in interest this month)

Shares Account no.1 AJ Bell 10K - 25.42 % completed

Shares Account no.2 Freetrade 10K- 32.69 % completed

Cash 30K - 70.96 % completed

Secret stash - 8.85 %

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 down again. 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. I can even go wild with 5K on each position making it 10K each later. 

A £2884 increase in total, with only the UK savings going up by 3205, and even cash reserves going up by £1144, as the crypto stash went up £2600 (no worries, as they yo-yo up and down lately, i expect a decent increase by the end of the year, as I try to buy cheap for now). I did have a £1600 debt now, with my holidays booked mostly. Not much to be done, but I did some £2 this month doing this trick. Every little help, right?

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

G.

End of the month - June 2026

 Total portfolio: £120439 (-8783)

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

Debt: 0 (-63)

External funds: ZERO

Car: No

Net Worth: £120439 (-8634)

Investments UK: £48769 (-8784)

Investments overseas: £1389 (zero)

Cash: £20144 (-1156)

Pension: £49633 (+1277)

Passive income: £307(13.29%)

Savings rate: 24.43%

Side hustle 2 profit (Royalties): £1.31

Side hustle 4 value (Crypto): £227(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 for 2026): $75

Projects to follow up in 2026:

Hive - 28.12 % completed (generated $58 this month)

DEFI - 0.25 % completed (generated $1in interest this month)

Shares Account no.1 AJ Bell 10K - 24.68 % completed

Shares Account no.2 Freetrade 10K- 29.88 % completed

Cash 30K - 67.14% completed

Secret stash - 8.62%

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 down again. 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. I can even go wild with 5K on each position making it 10K each later. 

A £8783 decrease in total, with only the pension going up by £1277, as the crypto stash went down £8784 (no worries, as they yo-yo up and down lately, i expect a decent increase by the end of the year, as I try to buy cheap for now). The cash took a hit, due to my holidays in Spain, went down by £1156. Needs to be build back in the next two months. No debt on any card, althought I do try to use the Paypal card for points and pay in full at the end of the month. Not much to be done, but I did some £2 this month doing this trick. Every little help, right?

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

G.

End of the month - May 2026

Total portfolio: £129222 (+7608)

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

Debt: 63 (-137)

External funds: ZERO

Car: No

Net Worth: £129073 (7659)

Investments UK: £57553 (+1099)

Investments overseas: £1389 (zero)

Cash: £21300 (+1848)

Pension: £48356 (+4660)

Passive income: £353 (14.57%)

Savings rate: 23%

Side hustle 2 profit (Royalties): £1.62

Side hustle 4 value (Crypto): £303 (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): $57

Projects to follow up in 2026:

Hive - 27.57 % completed (generated $66 this month)

DEFI - 0.25 % completed (generated $226 this month)

Shares Account no.1 AJ Bell 10K - 24.24 % completed

Shares Account no.2 Freetrade 10K- 30.41 % completed

Cash 30K - 71.71% completed

Secret stash - 9.83%

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 down again. 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 £7068 increase, mostly because the private pension value went up by £4660, also the two small shares account went up a bit too. Other than that, cash and investments kept most of their value, and the profit from hustle was just around £300 this month. Despite crypto value going slightly down, the improvement on shares and savings made the total amount go up by £1099 for all my investments. My only issue for now is the low side hustles profits. 

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

G.

End of the month - March 2026

  Total portfolio: £121614 (-2458)

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

Debt: 200 (-100)

External funds: ZERO

Car: No

Net Worth: £121414 (-2358)

Investments UK: £56454 (-118)

Investments overseas: £1389 (-152)

Cash: £19452 (-50)

Pension: £43696 (-2182)

Passive income: £684 (25.33%)

Savings rate: 16.66%

Side hustle 2 profit (Royalties): £0.06

Side hustle 4 value (Crypto): £631 (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): $3

Projects to follow up in 2026:

Hive - 26.90 % completed (generated $66 this month)

DEFI - 0.06 % completed (generated $226 this month)

Shares Account no.1 AJ Bell 10K - 22.91 % completed

Shares Account no.2 Freetrade 10K- 28.08 % completed

Cash 30K - 64.67% completed

Secret stash - 9.51%

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 down again. 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 £2458 decrease, mostly because the private pension value went down, also the two small shares account dropped a bit too. Other than that, cash and investments kept most of their value, and the profit from hustle was around £200 bigger than last month. Even with the $500 that I spent extra on my holiday in March. 

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

G.