December 2023 - End of the year report

Total portfolio: £95767 (+30244)

Here we are the end of the year, checking the numbers. How am I doing? Lets see:

Debt: 512 (-88)
External funds: ZERO
Car: No
Net Worth: £95255 (+13573)

Investments UK: £59411 (+12022)
Investments overseas : £389 (same)
Cash: £6811 (+307) 
Pension: £28533 (+1156)

Passive income: £1739  (49%)
Savings rate: 11.5% 

Side hustle 2 profit (Royalties): £ 0.24
Side hustle 3 profit (Match betting): £0
Side hustle 4 value (Crypto): £1725 (Total funds still invested in crypto:3600)
Side hustle 5 profit (Focus groups): £0

Side hustle 6 profit (Internet):£50

Crypto bull market started, and I am planning to redirect some funds toward shares and funds, to have some real money available, just in case. My main increase in investments is from crypto, and a bit from pension and shares. I am also planing to raise the bar, making 10K available in cash at any moment, up from the 6.5K that I got now. Still have a small debt of £600 as I bought some flight tickets on Paypal, but I plan to pay 300 twice in January and February and finish with it (they got some 3 months no interest deal I think). Trying to do some rudimentary plan, and this is what I got:

Projects to follow up in 2024:

Hive - 9.65% completed

Across - 5.38% completed

Shares Account no.1 - 16.4% completed

Shares Account no.2 - 9.08% completed

Cash - 68.11% completed

Wish you a good end of the year!

G.

November 2023 - End of the month report

 Total portfolio: £65523 (-4744)

I am back after half a year, checking the numbers. How am I doing? Lets see:

Debt: 600 (just a holiday/work trip paid with Paypal)
External funds: ZERO
Car: No
Net Worth: £81682 (+16590)

Investments UK: £47389 (+14573)
Investments overseas : £389 (same)
Cash: £6504 (+1138) 
Pension: £27377 (+919)
Passive income: £907 (26.96%)
Savings rate: 20% 

Side hustle 2 profit (Royalties): £ 1.42
Side hustle 3 profit (Match betting): £0
Side hustle 4 value (Crypto): £848 (Total funds still invested in crypto:4400)
Side hustle 5 profit (Focus groups): £0

Side hustle 6 profit (Internet):£50

Crypto bull market started, and I am planning to redirect some funds toward shares and funds, to have some real money available, just in case. My main increase in investments is from crypto, and a bit from pension and shares. I am also planing to raise the bar, making 10K available in cash at any moment, up from the 6.5K that I got now. Still have a small debt of £600 as I bought some flight tickets on Paypal, but I plan to pay 300 twice in December and January and finish with it (they got some 3 months no interest deal I think). Trying to do some rudimentary plan, and this is what I got:

Projects to follow up in 2024:

Hive - 9.34% completed

Across - 5.6% completed

Shares Account no.1 - 1.5% completed

Shares Account no.2 - 8% completed

Cash - 65% completed

Wish you a good end of the year!

G.

August 2023 - End of the month report

Total portfolio: £65523 (-4744)

I am back after half a year, checking the numbers. How am I doing? Lets see:

Debt: 431
External funds: ZERO
Car: No
Net Worth: £65092 (-5175)

Investments UK: £32816 (-8711)
Investments overseas : £389 (+10)
Cash: £5356 (+1721) 
Pension: £26458 (+2534)
Passive income: £709 (28.82%)
Savings rate: 25% 

Side hustle 2 profit (Royalties): £ 0.06
Side hustle 3 profit (Match betting): £0
Side hustle 4 value (Crypto): £707 (Total funds still invested in crypto:4400)
Side hustle 5 profit (Focus groups): £0

Side hustle 6 profit (Internet):£0

Half a year passed, and the economical environment is making it harder and harder to create some value and make some extra money. As you can see, I got a small debt as I used PayPal to buy some plane tickets. I was a bit all over this year, with no less than 4 holidays, and 2 more incoming before the end of the year. Decided to enjoy life a bit this year, and there is no real incentive to put all the extra effort trying to catch a falling knife. Net worth went down a bit, just related to crypto portfolio, which is decreasing slowly this year. Still, I am able to biuld and make some profits, £700+ this month, and in the last 3 months I got some small amounts and exchanged them into bank money (not a lot, only£ 2-300 to boost my expenses account). Other than that, pension account increased 2K, after it kept losing its value for the last 2 years. Money goes into it every month. Cahs fund also increased with almost 2K, and I plan to build it a bit more for now, given the uncertainty, to have some emergency funds if the need arise. I am still saving all that I make online, and a quarter of my main job wage. As the life it geting more difficult, I applied for a second part time job, as agency worker, aiming to do 1-2 extra shifts monthly to get some extra cash. Didn't had the honor to do my first shift yet. 

End of the month report - January 2023

 Total portfolio: £70267 (+4852)

I did not write anything in the last few months, as I was busy organizing one or another. I am back, for now!

Debt: ZERO
External funds: ZERO
Car: No
Net Worth: £70267 (+4852)

Investments UK: £41527 (+2657)
Investments overseas : £377 (same)
Cash: £3635 (+887) 
Pension: £24104 (+1309)
Passive income: £756 (28%)
Savings rate: 20% 

Side hustle 2 profit (Royalties): £ 6
Side hustle 3 profit (Match betting): £2
Side hustle 4 value (Crypto): £753 (Total funds still invested in crypto:6799)
Side hustle 5 profit (Focus groups): £0

Side hustle 6 profit (Internet):£34.43

I must to admit, the market did not favours to me, and I just noticed that I am now at the same point as I was on December 2019, in terms of total net wealth. I hit a small jackpot with crypto, but I was a bit greedy, and I did not take back enough profit, and then the bear market came and everything went down from the 300% profit increase back to the initial values. I do not regret this, but I hope I will do better on the next crypto bull market, whenever this one will come (2025-2026?). Shares and mutual funds, I am down to £2097, hope to do some crazy move and reach 10K until the end of the year, but before that, I need to biuld a 20K cash reserve in the bank account (Santander is paying 1.75% interest for up to 20K so I plan to keep it in there). I have also started a saving account on Santander, where they offer 2.75% interest for up to one year. I have £800/£2400 in there, with the limit being £200 pain onto account per month. This will be the cash reserve, and after that I start to build my shares and mutual funds, on my AJ Bell account ( £10K to start) and Freetrade account (they got zero fees and individual shares to pick, even fractions of them, I go for £1000 here to start with it), and over the next few years the aim will be to have 100K in funds, and 10K individual shares.

As for 01.02.2023 the numbers are:

Cash: £2500 (TSB) £1135 (Santander)

AJ Bell (VT AJ BELL FUND): £1524/£10K (final amount: 100K)

Freetrade: £573/£1000 (final amount: 10K)

Crypto: £39030/£250k