Motto: All the wealth in the world have no worth to you, if you are not healthy.
(Financial freedom wizards manual)
Weight: 83 kg (3 kg more than 30 days before - 85 kg) at 1.80 m (5'9'')
Body fat: 20% (same as last month)
My training is a complete one, on three directions of action:
1. Body
- Yoga techniques (postures, breathing and meditation) 31 sessions
- Freeletics - some kind of high intensity athletic training 13 sessions
- Running - 13 sessions
- Wing Chun Kung Fu minimal training- 31 sessions
- Freerunning / Parkour - no training this month
2. Diet
- A 70% plant based diet (with a twist of 70% alkaline food daily), no chemicals, less sugar, better hydration (300 ml water every 3 hours when possible) - I achieve this 75% of the time, i would say.
- One day a week - 24 hour fasting - did it 4 times in July. I kind of cheated my diet at least 4 times, having sweets and fizzy drinks (this is linked with my visits to cinema).
3. Mind
- Mindfulness techniques aka meditation: 31 times
- Memory training techniques: 31 sessions
- Brain boosting supplements - For the first month i tried: Multivitamin,Emperor Ginseng for Him 6000 mg, Zinc 50 mg, Omega 3-6-9 300 mg and my herbal remedies (but for the herbal treatments i did it completely only 75% of the time). I plan for August to add bee pollen, ginseng + ginkgo and probably from August i will also buy some Gotu Kola from Amazon.
This second month was a success, as i have still 20% body fat, but my weight is 83 kg, meaning that i added 2-3 kg of muscle, i am slowly improving my physical strength and stamina, running sessions are now 1.5 km longer as opposed to 1 km last month. As for the month number three, i am planning in increasing my yoga practice by 18%, running and high intensity training once every two days with Sunday as break, i will keep the martial art minimal practice once every day and i will aim for at least two parkour based trainings this month. Meditation will be done in the same way, but i will try to decrease distraction and increase focus. I am pleased with the progress, but some days i am just rushing through the training as i tend to work a bit too much. At least 5 days i slept less than 6 hours. I am testing a new method for first 10 days of August, so i will track the month 3 only from 10 to 31.
I will follow up soon with the economical monthly report.
Sunday 31 July 2016
Friday 29 July 2016
Preparing for the end of the month
This month was definitely an interesting one. I will introduce some new parameters in my monthly report- financial and i will continue with the health monthly report. I can estimate the date of my early retirement as 10.01.2018. Maybe even earlier, depending on some unforeseen factors. God help me with that! (no, I am not a big fan of the church, but any help will be appreciated)
Stay tuned and walk my journey in my shoes. It will be funny. I guarantee it.
G.
Stay tuned and walk my journey in my shoes. It will be funny. I guarantee it.
G.
Tuesday 26 July 2016
The end is just another beginning
As my plan seems to become real, and i am finally seeing the light at the end of the tunnel (read: as i can probably estimate clearly when i will reach my financial independence - 10th of January 2018), another question raises. I was trained to work hard for my money, and my work gave me an identity, a sense and an activity for the main part of my time. Now i am close, at least in theory, to reach the achievement "Never work again". I will still be busy, but it will be something done with passion, so i cannot categorize this as work. But let's come back to my previous matter. OK, i just reached financial independence, hooray, i will celebrate this with a gradual retirement, from my actual jobs, that will probably take 60 days. What i will do after that? I have so many potential projects, that i do not even know which will be first. In my definition, i am a bit of a workaholic, so this will be fun to live. I am excited, but i am also unsure, as this is a lifestyle i do not know nothing about. I have more than a year to sort this out, anyway.
P.S. If you can give me any link to some similar blog posts, i thank you in advance.
Side hustle - failure is an option
I found this interesting idea where you can put files with something that is about your expertise and the field you master, and people will want to read it, but they will do a short survey before download it. And you will get paid for that survey. Interesting way to motivate people to complete survey. I went to the website and i made a register submission, and i still need to receive the email to confirm my username and password. Now, this could work, or maybe not. But my agenda is already full, so i made a habit of not trying something for third time if it is not really working. The people writing about it said they made sometimes 100$ per month, but you can do even more. If you have the patience to try it, good luck.
P.S. The link is here.
P.S. no.2 While i was publishing this post the confirmation email came. So the link is a referral link now. I will write about it after one month after i see how it is going.
P.S. The link is here.
P.S. no.2 While i was publishing this post the confirmation email came. So the link is a referral link now. I will write about it after one month after i see how it is going.
Friday 22 July 2016
How to have international ATM operations with no fees
It was pointed out to me that a new small company from London called Mondo is trying to make a card with no fees, that you can use anyway in the world (in fact it was my lil' bro' who stumbled about them, as he is a clever and refined financial investor with an impressive portfolio in wine and beer related stuff - you know "invest in what you know" quote). I made an account and i forget about it, until they were mentioned again at Fin-tech this year. You have a link to the full review right here:
https://econsultancy.com/blog/67730-fintech-startup-mondo-provides-slick-impressive-ux-review/
Check this out!
https://econsultancy.com/blog/67730-fintech-startup-mondo-provides-slick-impressive-ux-review/
Check this out!
Thursday 14 July 2016
Micro-investing, finally in UK
At the recent Fin Con, I have seen the presentation of an app that will fulfill one of my oldest wishes regarding micro-investing (they got more than 1.5 million via crowdfunding and angel investing). Do you know how I always "complained" about our lack of opportunities, by the time Acorns launched in U.S., seems that we finally are going to use something similar very soon. I am talking about MoneyBox *, a product that will round up your expenses and invest in a ISA. I liked the concept from the beginning, and these wonderful people working at this app are very close to launch the product. I will tell you more and I will make a review as soon as I will use it for at least one month.
P.S. It is a referral link that i used in the blog post, just because both of us will get 5 pounds bonus if we start investing.
P.S. It is a referral link that i used in the blog post, just because both of us will get 5 pounds bonus if we start investing.
Wednesday 13 July 2016
Random thoughts
- A secure retirement require you to start to save now, whether it is easy or not.
“A man who makes a mistake and doesn’t correct it, it’s making another mistake.”
– Confucius
- Start to give to your children financial education now.
“Property left to a child may soon be lost; but the inheritance of virtue… will abide forever. If those who are toiling for wealth to leave their children, would but take half the pains to secure for them virtuous habits, how much more serviceable would they be. The largest property may be wrested from a child, but virtue will stand by him to the last.”
– William Graham Sumner
- Early retirement rarely means never work again.
“Musicians don’t retire; they stop when there’s no more music in them.”
– Louis Armstrong
- Plan your life, and then just live.
“Life can only be understood backwards; but it must be lived forwards.”
– Soren Kierkegaard
- Always have a plan B.
“I feel like a fugitive from the law of averages.”
– William H. Mauldin
- Your time is NOW!
“Twenty years from now, you’ll be more disappointed by the things you didn’t do than the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover.”
– Mark Twain
“A man who makes a mistake and doesn’t correct it, it’s making another mistake.”
– Confucius
- Start to give to your children financial education now.
“Property left to a child may soon be lost; but the inheritance of virtue… will abide forever. If those who are toiling for wealth to leave their children, would but take half the pains to secure for them virtuous habits, how much more serviceable would they be. The largest property may be wrested from a child, but virtue will stand by him to the last.”
– William Graham Sumner
- Early retirement rarely means never work again.
“Musicians don’t retire; they stop when there’s no more music in them.”
– Louis Armstrong
- Plan your life, and then just live.
“Life can only be understood backwards; but it must be lived forwards.”
– Soren Kierkegaard
- Always have a plan B.
“I feel like a fugitive from the law of averages.”
– William H. Mauldin
- Your time is NOW!
“Twenty years from now, you’ll be more disappointed by the things you didn’t do than the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover.”
– Mark Twain
Tuesday 12 July 2016
Me as a "big" bussinesman
Thinking in advance, i will probably introduce another two variable in the monthly report:
Bussiness 1 value
Bussiness 2 value.
I was trying to estimate how long until my financial freedom, and in a very optimistic universe, i think i can make it in 2 years from now. The thought of that scared me and made me happy in the same time. I will see what's next and hope for the best.
At the present moment:
Bussiness 1 value: £431
Bussiness 2 value: £3850
Or i can just say side hustle instead of bussines. Hehe!
Should i record them every last day of the month? Probably yes, as they are changing continuously.
Monday 4 July 2016
Efficiency versus effectiveness
As Peter Drucker said: "Efficiency is doing things right, effectiveness is doing the right things." Going ready to choose, will you be efficient or effective? It is just a subtle difference, but this will raise you to another level. Internet of things? Meh! Ability of connect the dots between a apparent disparate events and things? Big Yes!!! Think about it and learn to recognise the difference between the two of them.
Have a good day.
G.
Have a good day.
G.
Friday 1 July 2016
June 2016 - Monthly report
June 2016 - Monthly report
My Overview
Total portfolio: £9403 (+647)
Debt: £1380 (+225)
Net Worth: £7844 (+244)
Investments UK: £1851 ( -72)
Investments overseas : £1839 (+36)
Cash: £1026 (+940) 1278 (+252)
Pension: £4174 ( +185)
Total Income: £1690 (+611)
Passive income: 341 (20.18%)
Savings rate: Unknown
My total portfolio got a huge 647 pounds boost, mainly because of one of the two business project starting to pay out a bit ( you can see a 20% passive income instead of the normal 2-5% - and it is almost passive as I still need to work maybe 2 hours every month for it). My debts (read bills for the other business project) increased a bit, but also the cash in the bank (225 debt versus 252 cash - so it is a small profit there). Investments overseas increased slightly because of the pound going down. Pension is still going up, and I had a slightly above average income this month. Not a bad month overall.
My Overview
Total portfolio: £9403 (+647)
Debt: £1380 (+225)
Net Worth: £7844 (+244)
Investments UK: £1851 ( -72)
Investments overseas : £1839 (+36)
Cash: £1026 (+940) 1278 (+252)
Pension: £4174 ( +185)
Total Income: £1690 (+611)
Passive income: 341 (20.18%)
Savings rate: Unknown
My total portfolio got a huge 647 pounds boost, mainly because of one of the two business project starting to pay out a bit ( you can see a 20% passive income instead of the normal 2-5% - and it is almost passive as I still need to work maybe 2 hours every month for it). My debts (read bills for the other business project) increased a bit, but also the cash in the bank (225 debt versus 252 cash - so it is a small profit there). Investments overseas increased slightly because of the pound going down. Pension is still going up, and I had a slightly above average income this month. Not a bad month overall.
One year health plan - month 1 report
Motto: All the wealth in the world have no worth to you, if you are not healthy.
(Financial freedom wizards manual)
Weight: 80 kg (5 kg less than 30 days before - 85 kg) at 1.80 m (5'9'')
Body fat: 20% (10% less than 30 days before - 30%)
My training is a complete one, on three directions of action:
1. Body
- Yoga techniques (postures, breathing and meditation) 26 sessions
- Freeletics - some kind of high intensity athletic training 12 sessions
- Running - 13 sessions
- Wing Chun Kung Fu - 13 sessions
- Freerunning / Parkour - no training this month
2. Diet
- A 70% plant based diet (with a twist of 70% alkaline food daily), no chemicals, less sugar, better hydration (300 ml water every 3 hours when possible) - I achieve this 80% of the time, i would say.
- One day a week - 24 hour fasting - did it 4 times in June
3. Mind
- Mindfulness techniques aka meditation: 26 times
- Memory training techniques: 26 sessions
- Brain boosting supplements - For the first month i tried: Multivitamin, vitamin C slow release, vitamin D, Zinc, Chromium, Omega 3-6-9 and my herbal remedies (but for the herbal treatments i did it completely only 75% of the time). I plan for July to add bee pollen, ginseng and probably from August i will also buy some Gotu Kola from Amazon.
This first month was a success, as i lost some of the weight achieved during my last holiday and i am slowly improving my physical strength and stamina. As for the month number two, i am planning in increasing my yoga practice by 20%, running and high intensity training once every two days, i will increase the martial art minimal practice to every day from every two days and i will aim for at least two parkour based trainings this month. Meditation will be done in the same way, but i will try to decrease distraction and increase focus.
I will follow up soon with the economical monthly report.
(Financial freedom wizards manual)
Weight: 80 kg (5 kg less than 30 days before - 85 kg) at 1.80 m (5'9'')
Body fat: 20% (10% less than 30 days before - 30%)
My training is a complete one, on three directions of action:
1. Body
- Yoga techniques (postures, breathing and meditation) 26 sessions
- Freeletics - some kind of high intensity athletic training 12 sessions
- Running - 13 sessions
- Wing Chun Kung Fu - 13 sessions
- Freerunning / Parkour - no training this month
2. Diet
- A 70% plant based diet (with a twist of 70% alkaline food daily), no chemicals, less sugar, better hydration (300 ml water every 3 hours when possible) - I achieve this 80% of the time, i would say.
- One day a week - 24 hour fasting - did it 4 times in June
3. Mind
- Mindfulness techniques aka meditation: 26 times
- Memory training techniques: 26 sessions
- Brain boosting supplements - For the first month i tried: Multivitamin, vitamin C slow release, vitamin D, Zinc, Chromium, Omega 3-6-9 and my herbal remedies (but for the herbal treatments i did it completely only 75% of the time). I plan for July to add bee pollen, ginseng and probably from August i will also buy some Gotu Kola from Amazon.
This first month was a success, as i lost some of the weight achieved during my last holiday and i am slowly improving my physical strength and stamina. As for the month number two, i am planning in increasing my yoga practice by 20%, running and high intensity training once every two days, i will increase the martial art minimal practice to every day from every two days and i will aim for at least two parkour based trainings this month. Meditation will be done in the same way, but i will try to decrease distraction and increase focus.
I will follow up soon with the economical monthly report.
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