Tuesday, 30 April 2019

April - end of the month report

My Overview

Total portfolio: £29234
Debt: ZERO
External funds: ZERO
Car: No
Net Worth: £29234

Investments UK: £18687
Investments overseas : £4391
Cash: £12729
Pension: £11737

Total Income: £2180
Passive income: £803 (36.83%)
Savings rate: 14.67%

Side hustle 2 value: £9.13
Side hustle 3 value: £ 784.76
Side hustle 4 value: £1300 (Funds spent:5067)

Everything is going quite well. Financially speaking, all the debts are cleared and the cash is building up. I start to save some small amounts on different ISA also, mostly on a help to buy ISA, and a Shares ISA. On matched betting i had a good month with Cheltenham and Grand National being quite lucrative. I did not have time to write on my books, as i am preparing mostly on a course about Autism, and i am prospecting a job change, with two possible options, one for the same amount of time, but better paid, another one for less time and higher pay (with the same money at the end of the month like now, but i work two days less, a bit harder). I will see which one will be the chosen one, as i would like the extra money, but i will also like the extra time (working just 3 days a week, i know!).

Crypto corner - the coins are slowly going up, so i am increasing the value, even if i am talking about a very small portfolio (in the last three months increased from 600 to 1300), but i am not keen to invest more at the moment as the market seems to be very volatile. I am hoping that next month i will pass the 30k limit, having another reason to celebrate. The only ones that i am still buying with the extra unexpected wins from matched betting are for not just Bitcoin and Neo. A little gamble, as many "experts" think that Bitcoin will even reach 1 million in 10-15 years. So if i will have one bitcoin by then, i declare myself satisfied. And Neo is a proof of stake coin, offering daily interest up to 4-6% per year.

Have a wonderful summer!
G.

Tuesday, 26 February 2019

January - end of the month report


My Overview

Total portfolio: £24643 (+125)
Debt: £806 (-353)
External funds: ZERO
Car: No
Net Worth: £23839(+480)

Investments UK: £8687 (+20)
Investments overseas : £3606 ( same)
Cash: £1267 (same)
Pension: £10495(+105)

Total Income: £2103(+200)
Passive income: £398 (18.94%)
Savings rate: 11.57%

Side hustle 2 value: £0.40
Side hustle 3 value: £ 297.85 (Profit December 464.89)
Side hustle 4 value: £607 (Funds spent:5067)

Still working out on paying the debt, with £806 left, so i am estimating 2 months until i am done with it. Not enough movement, i was paid for all the extra work on Christmas, with a mere 200 pounds extra. Side hustle 2 is not moving as usual, but i took a bit of effort in that direction, so hopefully i see some movement in February. Number 3, matched betting, just the minimum of effort, as i am banned to use my phone at work now. Do not ask why! (around six hours on the phone daily, that's why). Crypto is not moving much, i just let everything to go automatically as it was set up. I noticed that the pension fund went down as we are getting close to Brexit, and most of the funds i use tend to decrease. But i believe they will catch up eventually, 1-2 years after the event. I decided to focus a bit on saving some money for a house deposit, before the next year wedding if possible. I have the First buy ISA with 200 going there monthly. And i will use TSB account for 1500 with 3% interest, and i can make a saving account with TSB for further 250 i believe, for the same 3% rate, or maybe is 1.5%, i need to check. Once those are full, i will use Santander for 1.5% up to 15.000.

G.

Monday, 7 January 2019

2018 - FIRE and achievements

In 2018 I earned a total of £26846, out of which £16894 from my 2 jobs (91.3% of my full time job, 8.7% from my part time one).

The internet profit was £3347, with 89% from match betting, 5.8% from cryptocurrency mining and 5.2% from various survey and online activities.

Other small amounts were gained from bank interest (£73), dividends (£13), rental (£6479), Amazon (£29) and money found on the floor (0.25).

My portfolio went down from £29035 to £23359 (after 11.000 gain in 2017), mostly because of my cryptocurrency adventure (basically I won 11k and i lost 6k next year because of the bear market).

Actually I am at 20% of my planned journey, and this year i am quite optimistic, planning to reach 30k at the end of the year.

Sunday, 6 January 2019

December - General overview


My Overview

Total portfolio: £24518 (+288)
Debt: £1159 (+24)
External funds: ZERO
Car: No
Net Worth: £23359 (+264)

Investments UK: £8667 (+452)
Investments overseas : £3606 ( same)
Cash: £1267 (-112)
Pension: £10390 (-52)

Total Income: £1903 (-801)
Passive income: £531 (27.9%)
Savings rate: 12.63%

Side hustle 2 value: £0.31
Side hustle 3 value: £ 464.89 (Profit November 374.48)
Side hustle 4 value: £714 (Funds spent:5079)

This was a good month, and i even manage to finish it with a positive balance, despite a big splash due to Christmas and various birthday. I manage to reward myself with a decent computer, paid over the next 4-5 months courtesy of PayPal, with 0% APR. My investments increased slightly, but the pension fund went down instead of up, with all the uncertainty of Brexit and other industry problems. Betting was fine, even if it was done whenever i had the time. The crypto portfolio increased slightly, but is still far from getting me a profit. I will follow up soon with a yearly overview.

Have a nice day!
G.

Wednesday, 2 January 2019

Another year is gone...

...and i am working out the details related to the finances. I will publish them as soon as i finish it.

Monday, 3 December 2018

November - General overview


My Overview

Total portfolio: £24230(+593)
Debt: £1135(-1056)
External funds: ZERO
Car: No
Net Worth: £23095(+1639)

Investments UK: £8215(-296)
Investments overseas : £3606 ( same)
Cash: £1379(+1018)
Pension: £10442(-156)

Total Income: £2704(+1001)
Passive income: £1070 (41%)
Savings rate: 30.58%

Side hustle 2 value: £0
Side hustle 3 value: £374.48 (Profit October 202.29)
Side hustle 4 value: £683 (Funds spent:5083)

The year is almost over, and i did not get the expected results. For 2019 i will probably stop the cryptocurrency experiment (it was not a loss, but too close to it, as the total gain after one year is probably right under £3000) because the coins market is still pretty bear-ish. Matched betting was good as usual, given the amount of time spent for it. My portfolio had a slight increase, as i try to still save on First To Buy ISA and to pay the remaining debts. I need to re-work my strategy for the next year, as this year one was proved ineffective. Probably i will become a bit more conservative, given the Brexit approach and the complete chaos on shares market and crypto market.

Hope you have good news in the coming year. Merry Christmas and Ho-Ho-Ho!

Tuesday, 23 October 2018

Discussions with a 5-years old

Adult:
-One day we will die!
Child:
-But until then, every other day we will live!