Wednesday, 1 July 2020

End of the month report - 1st of July

Total portfolio: £37113 (+1688)
Debt: 0 (0)
External funds: ZERO
Car: No
Net Worth: £37113 (+1688)

Investments UK: £31925 (+899)
Investments overseas : £3934 (same)
Cash: £1168 (+327)
Pension: £13852 (+277)

Total Income: £1456(main job)+170 (second job) + 258 = 1884
Passive income: £258 (13.69%)
Savings rate: 11.67%

Side hustle 2 profit: £2.30
Side hustle 3 profit: £ 152.39 (Betting in May £61.47)
Side hustle 4 value: £6926 (Funds spent in crypto:5067)
Side hustle 5 profit: £109.40

This was an interesting month. The third month in the row with me staying at home with full pay (thanks to the wonderful job management), and i want to say that i had a dramatical learning curve, as i could see this being my mini-early-retirement test. Things that we see and think about are not really like we predict them. Staying at home, doing nothing, is very hard, and that approach goes down faster. You can only watch couple hundred movies before you had enough, and to play hundred hours of computer and phone games before you do not want to do it anymore. In my first three weeks i catch up with many of my TV  shows, but now i am barely see a movies or a TV show episode any other day. Computer wise, i was playing some games for a month, in order to 'relax', but the amount of pleasure and joy deriving from entertainment declined quickly in direct relation with the increased time allocated for it. So, too much will lead to less, but not as enjoyable. I will carefully organise my hobbies prior to my early retirement carefully, and i can see this as a change of views and i will probably continue to work, but doing something more rewarding emotionally and spiritually, i would say. 

Now the good parts. I started to learn guitar and Spanish, doing up to one hour at the beginning and it was a blast, but lately, after 3 months, i am not so excited with my lessons, even if i still like it, so guitar is down to 15 minutes daily on average and Spanish lessons 5-10 minutes.

I am cooking a lot more, healthy and from scratch, and i can be choosy and buy better ingredients to experiment with them. I cleaned the whole house, couple of times, and i did lot of gardening (my garden is 85% perfect at the moment). I am shopping, walking, training 3-4 times a week  (strenght and calysthenics at home). I even run from time to time, but not as often (home trainings are quite rough and i am at my soreness limit few times a week). I had my garage door painted (and this was on the 2017 To-do List). 

So, overall, staying at home for 3 months was an interesting experience making me to re-evaluate my plans for the future. 

Now, back to the money, i had some problems budgeting in the first two months, it seems that staying a lot more at home, you tend to spend more money that usual. But i adapted to the current situation and i am back to normal now. I really need to get my cash reserves back, as they are quite low now. But i used some of them money to buy some shares when they were super low, so i cannot complain about it, as they already gained 10-12% in value. Next on my list is Ratesetter, where I want to deposit some more money in the next few months. The portfolio is increasing, even the pensions are a bit up, after an initial decrease in March-April. I did a bit of match betting, but it is not the same as before, even if i made around £150 last month. I had a bit more takeaways than usual in the past month, as pizza shops and few others opened up to the public. And i learned a bit more about cryptocurrencies, and i started to use some of the investments platforms related to them, but it is quite complicated and risky, even if they offer some good interest rates (11.90% for stablecoins - crypto meant to be always $1 in value, like virtual cash, if you don't worry much about your funds being hacked - it is a low risk but it is there nevertheless). 

Wish you a perfect July! Stay safe and grow fast!
G.

The free cash from June - my month in cryptocurrency (Interest, profit and portfolio)

 First i will start with my portfolio. 

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My main position is in BTC (26%) at the moment, used to bring interest of various DEFI platforms. Next are two DEFI tokens CEL (16%) & CRO (9%). They used to be much less, but I can't complain if they were increasing very fast. NEO (12%) is another one of my bets, especially with NEO 3.0 update on the table. Tezos (XTZ) is now down to 6%, used mainly for stacking on Kucoin (still on offer - 14.34% interest on Savings Staking). Ant the last major position goes to ETH with 5%, i am actively try to increase this in the next 6 months, before the PoS. 

My portfolio is up + £265 in relation with the aquisition cost. 

Ok, that was the boring part. 

Let's see the profits:

Celsius - £51.17 from interests and promo codes

Zen Masternode - £4.03 from rewards

Crypto.com - £3.60 from staking CRO/MCO

Publishox - 20.82 LRC. 7.91 BAT, 10.28 DAI transfered to my wallets.

Blockfi - £0.66 in BTC interest

I have also £33.84 made with different faucets (Coinpot, cryptofaucet), Coinbase Earn, Brave, XYO phone mining, GAS from NEO and Brave Browser BAT which i count all together because we are talking about lots of small amounts moved through the month. 

 

So, at the end of the month, i had £93.53 made from crypto (this is $116.18 for my American friends). These are amazing good news for me, as at the beginning of Coronavirus outbreak in March i would have only £7 monthly return from my cryptocurrencies. 

Now my focus in July is on buying up to 1 ETH, in multiple small steps. If you want to check any of my income sources, there is a list of links bellow for both platforms and websites (some may be referral, some may have bonuses explained in my other blog posts, ask me if you have any questions). 

 

 

My crypto-related links  (check ratings - 1 to 5 stars based on my personal experience)

 

Games to gain crypto

***** League of Kingdoms - link here: similar with Heroes of Might and Magic (worldwide - paying in DAI)

**** DogeWars - link here (paying in Doge, 10-100 Doge initial investment, fight bosses and 1vs1 arena)

 

Exchanges

***** Binance( good for staking/savings ) - link here

***** Kucoin( good for staking/savings ) - link here

***** Coinbase( ideal for beginners )- link here  

 

Investments

**** BlockFi (decent interest rates, but less choices than Celsius) - link here

***** Celsius.network (good rates of interests and monthly codes for free crypto, 1235256530 => my referral for $10 bonus  ) - link here

**** Coinbundle (investing in crypto bundles) - link here  

**** Stakecube (staking, masternodes and very easy to claim faucets for 28 coins/tokens) - link here

 

Wallets for multiple cryptocurrencies

***** Coinpot - link here (microwallet for all Moon faucets, Bitfun and Bonusbitcoin)

***** Atomic wallet - link here (microwallet for Publish0x DAI, BAT and Loopring)

***** Sphere wallet (for Horizen, combined with the faucet for extra bonus) - link here  

**** Crypto.com wallet (good interest staking and 50$ bonus in MCO) - link here

 

Free crypto (faucets and more)

****Lbry.tv (free crypto for watching or making videos) - link here

**** Bitfun( 3 min countdown - automatically deposit to Coinpot wallet ) - link here

*** Bonusbitcoin( 15 min countdown - automatically deposit to Coinpot wallet ) - link here

**** Moon Bitcoin ( 5 min countdown - automatically deposit to Coinpot wallet ) - link here

***** Horizen faucet ( 20 hours countdown - automatically deposit to Sphere wallet ) - link here

*** Tezos faucet ( 7 days countdown - automatically deposit to Coinbase or Binance wallet ) - link here

** Tron and other crypto faucet (24 hours countdown) - link here  

 

Others

***** Publish0x blog (Free BAT, DAI and Loopring for reading/writing - can combine with Atomic wallet) - link here

***** Brave browser (Free BAT for using it, based on paid ads, very good AdBlocker and high speed) - link here    

 

 

Disclaimer: This text also can be re-published on my personal blogs, such as this one.

 

Wednesday, 3 June 2020

End of the month report - 1st of June

Total portfolio: £35425 (+2045)
Debt: 0 (0)
External funds: ZERO
Car: No
Net Worth: £35425 (+2045)

Investments UK: £31026 (+4185)
Investments overseas : £3934 (same)
Cash: £841 (-1590)
Pension: £13575 (+579)

Total Income: £1440(main job)+0 (second job) + 315= 1755
Passive income: £315 (17.93%)
Savings rate: 12.94%

Side hustle 2 profit: £1.58
Side hustle 3 profit: £ 61.47 (Betting in April £10)
Side hustle 4 value: £6255 (Funds spent in crypto:5067)
Side hustle 5 profit: £109.40

This month was quite uneventless. Yes, that is a word. I had even few bets once the German Bundesliga started. All is good now, Coronavirus pandemic seems to be pushed back slowly, the shares are recovering, the pensions are recovering, even the cryptocurrencies are recovering. Crypto-markets are booming in fact after the halving event, and i was testing few more revenue streams. Most trustworty two that i found are Celsius.network and Block.fi, both of them offering quite good return (interests between 3-11%) if it happen to have some crypto staying in the wallet without any interest (there is some risk like every investment, but they are paying weekly or monthly and those two mentioned are backed up by serious bussinesses, there are many others offering more or less, but i did not like them).

I had some nice return from internet related stuff, and in June i started a new lockdown-themed side hustle - focus groups and research - see the article here with all of them websites doing this. Basically you stay on Zoom or similar programs for 40-60 minutes chatting about stuff (coffee, banks, internet etc) and get paid for it. I did 3 focus researches until now, and i got paid £90, 45 and 60 for it. Easy work, all that you need is a good laptop with microphone and camera and free time. 

Enjoy this beautiful summer!

G.

Saturday, 30 May 2020

My month in crypto ( How i made £109.40 in May)

Motto: ''I lost some battles, but i won the war.'' (Me trying to aquire financial independence)

 

This was a good month (£109.40 compared with £6.78 in April). I cannot imagine how i was just keeping my crypto in Coinbase, instead of using some decentralised finance (DEFI apps or accounts). So, slowly slowly i start to learn about them, and i went to use Binance, until they lowered the interest rates, then i moved to Kucoin exchange, as they still have a decent offer thanks to the X-pool initiative, providing you POL token on top of the interest for the main coins. 

After this experience, i made an account with Celsius.network and BlockFi, and having enough ZEN (42 Horizen coin) i made a Secure Masternode, in order to provide some extra ZEN on top of the daily faucet (which is maximised with all the boosts, this giving me 1026% bonus, so 10 times more than the basic amount). I just made an account on MyCointainer, but i am still learning about this one (just got some BeanCash there which i got for free from cryptofaucet). I am also receiving Neo staking bonus in form of Gas tokens. 

I have also received small amounts of crypto from PublishOx, using Brave browser, various good paying faucets (all the links in my signature) and using EarnCrypto.com website (some high paying surveys when i am bored, travelling with train/bus/car or in a waiting room).

In May, on Celsius.network i got $8.16 in interest and $60 in promo codes bonus.

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On BlockFi i only deposited a small amount (it was a promotion in May with more than $200 deposit and you will receive $100 on 1st of August if you Hodl the crypto until then. I received $0.71 in interest and a bonus/compensation of $25 in GUSD because i asked for it after their website had a data breach (see the articles about hacking and compensation in here and here).

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On Kucoin Exchange soft staking i received $8.92 (most of it as POL tokens due to me staking on their exchange).

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On Binance staking (i use the savings account for this) i received $1.31 in interest.

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On my ZEN Masternode i received a massive $1 for staking, but i just started the masternode on the 17.05, so i will give you a more accurate reading after one full month. By the way, you only need 42 ZEN to do a masternode, and the cost for the needed coins is around $224. The return is said to be in the range of $45 per year ( check the rates in here).

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I had also received $20.76 combined from using Brave, writting on Publish0x, using few faucets and websites paying in crypto for surveys. 

So, my total amount of crypto, that i got for free in May, in form of interest, staking or doing few easy tasks is:

$135.03

 

 

My crypto-related links  

 

Exchanges

Binance( good for staking/savings ) - link here

Kucoin( good for staking/savings ) - link here

Coinbase( ideal for beginners )- link here  

 

Investments

BlockFi (decent interest rates, but less choices than Celsius) - link here

Eobot (mining/wallet )- link here 

Celsius.network (good rates of interests and monthly promo codes for free cryptocurrencies, 1235256530 => my referral for $10 bonus  )- link here

Coinbundle (investing in crypto bundles) - link here  

MyCointainer (staking and masternodes for some new emerging coins) - link here

 

Wallets for multiple cryptocurrencies

Coinpot - link here (microwallet for all Moon faucets, Bitfun and Bonusbitcoin)

Atomic wallet - link here (microwallet for Publish0x DAI, BAT and Loopring)

Sphere  wallet (for Horizen, combined with the faucet for extra bonus) - link here  

 

Free crypto (faucets and more)

Bitfun( 3 min countdown - automatically deposit to Coinpot wallet ) - link here

Bonusbitcoin( 15 min countdown - automatically deposit to Coinpot wallet ) - link here

Moon Bitcoin ( 5 min countdown - automatically deposit to Coinpot wallet ) - link here

Moon Bitcoin Cash ( 5 min countdown - automatically deposit to Coinpot wallet ) - link here

Moon Litecoin ( 5 min countdown - automatically deposit to Coinpot wallet ) - link here

Moon Dogecoin ( 5 min countdown - automatically deposit to Coinpot wallet ) - link here

Moon Dash ( 5 min countdown - automatically deposit to Coinpot wallet ) - link here

Horizen faucet ( 20 hours countdown - automatically deposit to Sphere wallet ) - link here

Tezos  faucet ( 7 days countdown - automatically deposit to Coinbase or Binance wallet ) - link here

Tron and other crypto faucet (24 hours countdown) - link here  

EarnCrypto.com - paid for survey, videos and typing - link here

 

Others

Publish0x  blog (Free BAT, DAI and Loopring for reading/writing - can combine with Atomic wallet) - link here

Brave  browser (Free BAT for using it, based on paid ads, very good AdBlocker and high speed) - link here    

 


 

 

Sunday, 10 May 2020

Alzheimer and Financial independence

As you made enough money to enjoy and early retirement, you will probably want to be mentally and cognitively safe until some advanced age. 

Wednesday, 6 May 2020

The top 12 market research agencies to join or how to make your £1000 per month in UK

 

 

Now without further ado, here are the top market research companies to sign up to. We've chosen these based on feedback from users, as well as our own experiences when we signed up.

1) Saros – a big, well-established agency

Established agency Saros typically pays £40 to £100 cash for two hours' work. We've also seen projects that involve taking part in WhatsApp groups for a few weeks pay over £200. 'Like' its Facebook page to get first dibs on the latest opportunities.

Typical payment per project: £40-£100
Where does it run groups (normally)?
Most face-to-face research takes place in the major cities such as London, Manchester and Birmingham, but it runs telephone, online and in-home research too.
How is it currently running projects? People can take part remotely, including by telephone, chat forum and Zoom video call.

 

I have done a couple of things for Saros in the past, got paid on the day in cash. Whoop-peee, £40 or £50 straightaway.
- Forumite Danielle1977

2) Angelfish Opinions – good for fun online projects

With plenty of online projects (even before lockdown), Angelfish Opinions has great Trustpilot feedback. Tasks are often on fun subjects – we saw it offer £50 for an online fantasy sports task and £70 for an online forum about travel. Its Facebook page is full of current opportunities.

Typical payment per project: £40-£200
Where does it run groups (normally)? Face-to-face groups are UK-wide.
How is it currently running projects? Methods include telephone, Google Hangouts and Zoom.

3) Research Opinions – one of the higher payers

Based in Manchester, Research Opinions runs focus groups across the country – often for tasty sums. We saw £200 offered for a two-hour luxury car focus group and £120 for an online forum about chocolate spread on pancakes (sign me up...). Join its busy Facebook and Instagram pages for a heads-up on new projects.

Typical payment per project:
£50-£200
Where does it run groups (normally)? UK-wide, with many online sessions.
How is it currently running projects? It's interviewing people by phone or by Zoom and Skype video calls.

 

I attended a focus group with Research Opinions for two hours (drinks and snacks provided) and was given £50 cash. All I had to do was sit in a room with five other people and give my opinion on a certain well-known brand.
- Forumite Needeasymoney

4) Market Research 4 U – good for people in the South East

When we checked, Market Research 4 U had heaps of opportunities on offer, from £50 for a one-hour chat on joining the Royal Navy, to £70 for a two-hour chat about nappies.

Typical payment per project: £50-£150
Where does it run groups (normally)? The vast majority take place in London, Essex, Hertfordshire, Kent and Surrey.
How is it currently running projects? You can take part by telephone or video call (often Google Hangouts).

5) QMR – good for heaps of opportunities

QMR is a well-established agency that had tons of opportunities when we checked. Shout-outs included £85 for a three-hour focus group on snacks and £135 for an online project on beer.

Typical payment per project:
£50-£200
Where does it run groups (normally)? UK-wide, with lots of online projects.
How is it currently running projects? Methods include phone or Zoom video calls.

6) Trend Market Research – high payer with lots of projects

Trend Market Research is another good bet, with reams of well-paying projects. We saw £230 for a three-hour discussion on cars (car discussions are often one of the top payers if you fit the bill) and £50 to taste a meal and give feedback. Join its Facebook group for alerts.

Typical payment per project: £40-£200
Where does it run groups (normally)? UK-wide, but mainly London and the Home Counties.
How is it currently running projects? It depends on the project but methods include chat forums, over the phone and by Zoom video call.

7) Focus Force – good for Londoners (plus has online projects)

Holding most of its groups in London, Focus Force typically pays £50-£100 a survey. When we signed up to test it, there were a host of projects, from £50 to test cooking a meal to £60 for a two-hour chat on 'your perceptions of Africa'.

Typical payment per project: £50-£100
Where does it run groups (normally)? Mainly in London venues, but it also offers online and telephone projects.
How is it currently running projects? It depends on the project, but often via Skype.

8) Talking Point Research – high payer with lots of projects

Another established agency, Talking Point Research is well worth a join. When we checked, projects included £60 for a one-hour group on fitness and £40 for a telephone interview if your child has a skin condition.

Typical payment per project:
£40-£100
Where does it run groups (normally)? UK-wide, but mainly London and the Home Counties.
How is it currently running projects? You can take part via Whatsapp, telephone and chat forum, depending on the project.

9) Bunnyfield – good for research on fun topics

With decent feedback from MoneySavers, Bunnyfield runs focus groups, as well as many online and telephone projects. Topics are often fun – we saw £50 offered to talk about days out and £50 for an online forum about football kit.

Typical payment per project: £50-£150
Where does it run groups (normally)? London, Oxfordshire and Sheffield, but it also has online and telephone projects.
How is it currently running projects? Methods include Zoom and Google Hangouts.

 

I've done focus groups for £50-£100. Better still are the telephone/live web ones where you don't have to leave the house. Bunnyfield's good for this.
- Forumite MollyDolly

10) Focus4People  runs groups in the South East (and online)

It's possible to earn £30 to £150 per session with Focus4People. Recent projects included £40 for a one-hour video call on news and £50 for an hour's in-person chat about holidays. Like its Facebook page to see the latest projects.

Typical payment per project: £30-£150
Where does it run groups (normally)? UK-wide, though most projects are in south east England. It also runs telephone and online sessions, so it's worth everyone joining.
How is it currently running projects? Most are taking place over telephone and Zoom video call.

11) Fresh Thinkers – worth joining for belt and braces

While it had fewer projects than some of the other agencies we signed up to, Fresh Thinkers is worth signing up to for belt and braces.

Typical payment per project: £40-£100
Where does it run groups (normally)? UK-wide
How is it currently running projects? We have not seen Fresh Thinkers offer many projects recently.

12) Research Helper  join if you're keen

Another site worth joining if you're really committed is Research Helper. When we joined though there were only a couple of opportunities currently available, including £20 for a telephone interview on groceries.

Typical payment per project: £20-£50
Where does it run groups (normally)? UK-wide
How is it currently running projects? Video call and telephone.

 

(inspired by MoneyMakingExpert.com)

 

Tuesday, 5 May 2020

Learning about cryptocurrency

Motto:  '' I have been impressed with the urgency of doing. Knowing is not enough; we must apply. Being willing is not enough; we must do.'' 
(Leonardo da Vinci)


I don't know about you, but i have plenty of time at the moment, and i use it to learn. As the cryptocurrency is the latest trend, i will put some interesting links for you.

ZEN coin website - very interesting courses based on your level: begginer, average and expert. 

Binace exchange - quite an expensive range - interesting bits of knowledge related to main subjects in the crypto world.

EDX.org - this is my favourite website to learn, and you can find enough computer knowledge here to keep you busy for years to come. 

ODEM website - they got many courses, and quite few of them are free. 

The strategy that i use is to look around, find something that interests me and just put the video on, usually when i do my strength training, or put some interesting music and start reading the text. I had enough of TV now, and i am not proud to say that i've seen most of Netflix by now. So this is a nice change. 



I hope i will give you some ideas on how to keep busy. Have a good week!

G.