End of the month report - August 2024

 Total portfolio: £102699 (-11163)

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

Debt: 900 (-215)
External funds: ZERO
Car: No
Net Worth: £101799 (-10948)

Investments UK: £68927 (-1248)
Investments overseas : £1415 (0)
Cash: £10418 (+28) 
Pension: £33105 (+598)

Passive income: £630(25%)
Savings rate: 10% 

Side hustle 2 profit (Royalties): £ 0
Side hustle 3 profit (Match betting): £0
Side hustle 4 value (Crypto): £551(All my funds invested in crypto were recovered)
Side hustle 5 profit (Focus groups): £0

Side hustle 6 profit (Internet):£50

Projects to follow up in 2024:

Hive - 16% completed (generated $120 this month)

Across - 32% completed (generated $324 this month)

Shares Account no.1 AJ Bell 10K - 17.40% completed

Shares Account no.2 Freetrade 10K- 10.80% completed

Cash 10K - 93.50% completed

A big drop of around £10948 due to the crypto portfolio, as everything went down lately in value. But the shares are recovering, and hopefully the crypto will follow soon. I am close to get the desired £10K in cash savings. Other than that, I am increasing some crypto portfolios now when is cheap to buy, hopefully to convert it later in shares money when they go up. A medium risk move, but they still bring a decent profit every month in interest. 

Wish you a good year!

G.

End of the month report - July 2024

Total portfolio: £113862 (-633)

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

Debt:1115 (-275)
External funds: ZERO
Car: No
Net Worth: £112747 (-358)

Investments UK: £68927 (-1248)
Investments overseas : £1415 (0)
Cash: £10390 (+590) 
Pension: £32507 (+25)

Passive income: £792 (53%)
Savings rate: 16.80% 

Side hustle 2 profit (Royalties): £ 3
Side hustle 3 profit (Match betting): £0
Side hustle 4 value (Crypto): £741(All my funds invested in crypto were recovered)
Side hustle 5 profit (Focus groups): £0

Side hustle 6 profit (Internet):£0

Projects to follow up in 2024:

Hive - 14.72% completed (generated $226 this month)

Across - 37% completed (generated $257 this month)

Shares Account no.1 AJ Bell 10K - 17.40% completed

Shares Account no.2 Freetrade 10K- 10.80% completed

Cash 10K - 90% completed

A moderate drop of around £2K due to the crypto value drop.Other than that, the worst month in terms of profits, after January, showing that the economy crisis is not over yet. Roialties are down to almost nothing lately. But we must go on, again and again. I am very close to reach the 10K savings for emergency cash fund. In the next two months it may be done. Then I go for some shares. 2 accounts of 10K each, until the end of 2025, as the plan goes for now. 

Wish you a good year!

G.

End of the month report June 2024

Total portfolio: £114495 (-9078)

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

Debt:1390 (+1390)
External funds: ZERO
Car: No
Net Worth: £113105 (-10468)

Investments UK: £70175 (-10403)
Investments overseas : £1415 (0)
Cash: £9800 (+300) 
Pension: £32481 (+1025)

Passive income: £2107 (53%)
Savings rate: 11% 

Side hustle 2 profit (Royalties): £ 0
Side hustle 3 profit (Match betting): £0
Side hustle 4 value (Crypto): £2045 (All my funds invested in crypto were recovered)
Side hustle 5 profit (Focus groups): £0

Side hustle 6 profit (Internet):£0

Projects to follow up in 2024:

Hive - 14% completed (generated $160 this month)

Across - 37% completed (generated $257 this month)

Shares Account no.1 AJ Bell 10K - 18% completed

Shares Account no.2 Freetrade 10K- 10% completed

Cash 10K - 95% completed

A sharp drop of around £10K, 9000 due to the crypto value drop, and 1390 from Paypal, as I paid for a holiday, planning to pay in 3 instalments over the next 3 months. Other than that, second worst month in terms of profits, after January, showing that the economy crisis is not over yet. My secret plans bumped up nicely, 3% for Across, 2% for Hive, if this would be maintenable, I will be alright in just 2 years. But I hope to do it even in 3, I would not mind. 

Wish you a good year!

G.

End of the month report May 2024

 Total portfolio: £123573 (+8460)

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

Debt:0 (-225)
External funds: ZERO
Car: No
Net Worth: £123573 (+8686)

Investments UK: £80578 (+5787)
Investments overseas : £1415 (+1009)
Cash: £9500 (+1200) 
Pension: £31456 (+459)

Passive income: £3648 (66%)
Savings rate: 25% 

Side hustle 2 profit (Royalties): £ 0
Side hustle 3 profit (Match betting): £0
Side hustle 4 value (Crypto): £3622 (All my funds invested in crypto were recovered)
Side hustle 5 profit (Focus groups): £0

Side hustle 6 profit (Internet):£0

Projects to follow up in 2024:

Hive - 12.70% completed (generated $196 this month)

Across - 34% completed (generated $408 this month)

Shares Account no.1 AJ Bell 10K - 17% completed

Shares Account no.2 Freetrade 10K- 10% completed

Cash 10K - 95% completed

Wish you a good year!

G.

End of the month report - April 2024

 Total portfolio: £115113 (-15660)

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

Debt: 225 (+225)
External funds: ZERO
Car: No
Net Worth: £114887 (-15886)

Investments UK: £74785 (-15525)
Investments overseas : £406 (zero)
Cash: £8300 (-200) 
Pension: £30997 (+63)

Passive income: £2387 (56%)
Savings rate: 11% 

Side hustle 2 profit (Royalties): £ 2.27
Side hustle 3 profit (Match betting): £0
Side hustle 4 value (Crypto): £2387 (All my funds invested in crypto were recovered)
Side hustle 5 profit (Focus groups): £0

Side hustle 6 profit (Internet):£0

. 

Projects to follow up in 2024:

Hive - 12.54% completed (generated $196 this month)

Across - 24% completed (generated $408 this month)

Shares Account no.1 AJ Bell 10K - 17% completed

Shares Account no.2 Freetrade 10K- 10% completed

Cash 10K - 83% completed

Wish you a good year!

G.

End of the month report March 2024

Total portfolio: £130773 (+15039)

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

Debt: 0 (-1049)
External funds: ZERO
Car: No
Net Worth: £130773 (+16088)

Investments UK: £90310 (+12179)
Investments overseas : £406 (+3)
Cash: £8500 (+1427) 
Pension: £30934 (+1700)

Passive income: £2600 (59%)
Savings rate: 1% 

Side hustle 2 profit (Royalties): £ 2.27
Side hustle 3 profit (Match betting): £0
Side hustle 4 value (Crypto): £2600 (All my funds invested in crypto we're recovered)
Side hustle 5 profit (Focus groups): £0

Side hustle 6 profit (Internet):£0

So, I know, savings rate is 1% as I did not save a lot this month, but I did paid a £1300 debt on Paypal from the last travel to Spain, so now I am once again on Zero Debts. Other than that, crypto performed quite well in March, as I managed to send some to the bank, to pay my Paypal debt, recovering all the funds that I initially invested in the process. Invested a bit in the Hive project though, and Across liquidity provider funds increased slightly, but the profit generated monthly is better than the previous month. Still, I am pushing to increase both of them, reinvesting for now, in order to reach my critical target. Creating a £10K emergency fund is still a priority, now that I finished with the major expenses. 

Projects to follow up in 2024:

Hive - 12.36% completed (generated $265 this month)

Across - 27% completed (generated $473 this month)

Shares Account no.1 AJ Bell 10K - 17% completed

Shares Account no.2 Freetrade 10K- 10% completed

Cash 10K - 85% completed

Wish you a good year!

G.

February 2024 - end of the month report

  Total portfolio: £115734 (+19967)

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

Debt: 1049 (+749)
External funds: ZERO
Car: No
Net Worth: £114685 (+19430)

Investments UK: £78131 (+17820)
Investments overseas : £403 (+0)
Cash: £77073 (-270) 
Pension: £29234 (+153)

Passive income: £2987 (62%)
Savings rate: 35.4% 

Side hustle 2 profit (Royalties): £ 0.18
Side hustle 3 profit (Match betting): £0
Side hustle 4 value (Crypto): £2977 (Total funds still invested in crypto:1900)
Side hustle 5 profit (Focus groups): £0

Side hustle 6 profit (Internet):£0

Debt went a bit up as I temporarily used Paypal to buy some hotel/plane tickets for the next trip to Spain. They will be covered mostly by the end of March. I do have the money, but they are in a term deposit expiring around 20th of March. Can't lose the interest, isn't it? A net worth increase due to Bitcoin and other crypto going up, I used the opportunity to send another £1700 to my bank, so now I have some 78K crypto and only £1900 to recover from the initial investment. As I have some extra expenses, I plan to send some more funds to the bank. Increased my Freetrade account value to 1K, and next on the list is to add another £400 to the AJ Bell shares account, to bring it up to 2K, as I want slowly this year to have 10K in Shares on each of my two accounts. Still, my first priority is to build back the 10K Cash emergency fund.

Projects to follow up in 2024:

Hive - 10.90% completed (generated $178 this month)

Across - 25% completed (generated $173.50 this month)

Shares Account no.1 AJ Bell 10K - 16% completed

Shares Account no.2 Freetrade 10K- 10% completed

Cash 10K - 70% completed

Wish you a good year!

G.