2019 - end of the year report

                                       January 2019               January 2020

Total portfolio:                 £24643                           £31148
Debt:                                £806                                  No
External funds:                 ZERO                            ZERO
Car:                                     No                                  No
Net Worth:                       £23839                           £31148

Investments UK:             £19152                           £25114
Investments overseas :    £3606                             £3996
Cash:                               £1267                             £2100
Pension                          :£10465                           £14149

Total Income: £15260 (main job) + 783 (agency) + 1724 (match betting) + 600 (miscellaneouss) = 18367 (total gained)
Passive income: £2324 (12.69%)
Savings rate: 39%

I was feeling that it was not an excellent year, but the numbers seems to contradict my opinion. I got a net worth increase of more than 7 thousand, so must be good, and surprisingly my savings rate was almost 40% (i know, 39% but nevertheless...). If i am too be pedantic, out of seven thousands increase, almost four thousands were on the pension (mandatory and optional) and just 3000 added to my investments. The cash overseas changed slightly, only because the pound is losing value. If I am to add that i had 3 nice holidays abroad this year, if was a good one. Next year i try to see if i can manage only with 2 holidays, and i am try to pay most of the wedding stuff for the incoming year.

Until then, best of luck and keep working towards your financial independence!

G.