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