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.
Tuesday, 14 January 2020
Thursday, 2 January 2020
December - end of the month report
Total portfolio: £31148(+1752)
Debt: No
External funds: ZERO
Car: No
Net Worth: £31148(-1802)
Investments UK: £25114(+775)
Investments overseas : £3934 (-457)
Cash: £2100 (+1100)
Pension: £14149(+582)
Total Income: £1281.12 (main job)+0 (second job) + 300.09(probably) = 1581
Passive income: £300.09 (19.87%)
Savings rate: 12.65%
Side hustle 2 value: £0.23
Side hustle 3 value: £ 288.86 (December)
Side hustle 4 value: £1693 (Funds spent:5067)
Side hustle 5 value: £11
2020 started with a Bang. I was reaching my initial target and went over 30k. Again. Next year should be at least 35k, hopefully. But lately i lost focus, and i did neglect almost all of the side hustles, which seems to not work without any input from me. No passive income there, i would say. This year i have big plans. A bit more training, i want to achieve 15% body fat. At the moment is 30%. I know, i know that it is quite high. That's the reason that made me to start train again. We need to aim for health span, not for life span to increase, right? So, out of all my side hustles, i was just doing some match betting now and then. I prepare myself for a big move. At the end of this year, i want to make a mortgage for a rental property. I am thinking to buy a flat, semms to provide better income that a house in my area. My first buy ISA is set from more than 2 years ago, and ready to provide. I did got a promotion and a better hourly rate, but the work increased. I am a bit more tired now after work. I have also a wedding to prepare for May 2021. It will be interesting. And this year i will go in holiday twice only, as opposed to my usual 4 times a year. We need to save more.
I will compare soon my numbers with the end of 2019 and see how it was then and now.
Have a nice day!
G.
Debt: No
External funds: ZERO
Car: No
Net Worth: £31148(-1802)
Investments UK: £25114(+775)
Investments overseas : £3934 (-457)
Cash: £2100 (+1100)
Pension: £14149(+582)
Total Income: £1281.12 (main job)+0 (second job) + 300.09(probably) = 1581
Passive income: £300.09 (19.87%)
Savings rate: 12.65%
Side hustle 2 value: £0.23
Side hustle 3 value: £ 288.86 (December)
Side hustle 4 value: £1693 (Funds spent:5067)
Side hustle 5 value: £11
2020 started with a Bang. I was reaching my initial target and went over 30k. Again. Next year should be at least 35k, hopefully. But lately i lost focus, and i did neglect almost all of the side hustles, which seems to not work without any input from me. No passive income there, i would say. This year i have big plans. A bit more training, i want to achieve 15% body fat. At the moment is 30%. I know, i know that it is quite high. That's the reason that made me to start train again. We need to aim for health span, not for life span to increase, right? So, out of all my side hustles, i was just doing some match betting now and then. I prepare myself for a big move. At the end of this year, i want to make a mortgage for a rental property. I am thinking to buy a flat, semms to provide better income that a house in my area. My first buy ISA is set from more than 2 years ago, and ready to provide. I did got a promotion and a better hourly rate, but the work increased. I am a bit more tired now after work. I have also a wedding to prepare for May 2021. It will be interesting. And this year i will go in holiday twice only, as opposed to my usual 4 times a year. We need to save more.
I will compare soon my numbers with the end of 2019 and see how it was then and now.
Have a nice day!
G.
Monday, 16 December 2019
November - end of the month report
Total portfolio: £29396 (-716)
Debt: 50
External funds: ZERO
Car: No
Net Worth: £29346(-766)
Investments UK: £24339 (+976)
Investments overseas : £4053(-457)
Cash: £1000 (-1242)
Pension: £13567(+520)
Total Income: £1402 (main job)+0 (second job) + 208(probably) = 1610
Passive income: £205 (12.73%)
Savings rate: 18.18%
Side hustle 2 value: £7.16
Side hustle 3 value: £ 205 (November)
Side hustle 4 value: £1839 (Funds spent:5067)
Side hustle 5 value: £0
Investments and pension funds are a bit up, but i had some personal problems to solve, and some consecutive holidays and the net worth decrease is due to the diminishing available cash in the bank. Anyway, i got a promotion now, so hopefully i will do better in 2020.The passive income is decreasing also, so i need to work out a bit more on that, while i try to solve some health issues in the same time. Winter is not my best season, as cold tends to aggravate my asthma and my sinusitis. Crypto market seems to stagnate at the moment. And i got 15 months left until my wedding. Interesting times.
I will try to workout the annual report in January, but i am affraid that i did not had great results this year. We will see, one month left, right.
See you soon,
G.
Debt: 50
External funds: ZERO
Car: No
Net Worth: £29346(-766)
Investments UK: £24339 (+976)
Investments overseas : £4053(-457)
Cash: £1000 (-1242)
Pension: £13567(+520)
Total Income: £1402 (main job)+0 (second job) + 208(probably) = 1610
Passive income: £205 (12.73%)
Savings rate: 18.18%
Side hustle 2 value: £7.16
Side hustle 3 value: £ 205 (November)
Side hustle 4 value: £1839 (Funds spent:5067)
Side hustle 5 value: £0
Investments and pension funds are a bit up, but i had some personal problems to solve, and some consecutive holidays and the net worth decrease is due to the diminishing available cash in the bank. Anyway, i got a promotion now, so hopefully i will do better in 2020.The passive income is decreasing also, so i need to work out a bit more on that, while i try to solve some health issues in the same time. Winter is not my best season, as cold tends to aggravate my asthma and my sinusitis. Crypto market seems to stagnate at the moment. And i got 15 months left until my wedding. Interesting times.
I will try to workout the annual report in January, but i am affraid that i did not had great results this year. We will see, one month left, right.
See you soon,
G.
Tuesday, 8 October 2019
September 2019 - end of the month report
Total portfolio: £30112 (+887)
Debt: ZERO
External funds: ZERO
Car: No
Net Worth: £30112 (+887)
Investments UK: £23363 (+117)
Investments overseas : £4510 (same)
Cash: £2242
Pension: £13047 (+642)
Total Income: £1491 (main job)+180 (second job) + 454 (probably) = 2125
Passive income: £454 (21%)
Savings rate: 10.35%
Side hustle 2 value: £0.03
Side hustle 3 value: £ 388 (June and July)
Side hustle 4 value: £1899 (Funds spent:5067)
Side hustle 5 value: £66
The holiday season is coming back with a bite, but i decided that i would gift us with some fine experiences so here we are. First holiday was not that expensive (8 days in Turkey in September with a bit over £800 spent for the two of us, with a potential big saving in the future - wedding dresses made to order for much less than in UK). Second holiday to follow in November (Around £1000 in flights and accomodation on the route London-Budapest-Dubai-Bucharest-London for 15 days). After this potentially we need to save some money for the incoming wedding, so we will not have too many expenses for the next 12-14 months. There are also some plans for a promotion at work and a mortgage for the property number 2 for rent. About the rest of my plans, crypto are still going wildly up and down, so i stopped most of the stuff related to them at the moment, lazy match betting goes as usual and internet income is still under £100 per month.
See you soon!
G.
Debt: ZERO
External funds: ZERO
Car: No
Net Worth: £30112 (+887)
Investments UK: £23363 (+117)
Investments overseas : £4510 (same)
Cash: £2242
Pension: £13047 (+642)
Total Income: £1491 (main job)+180 (second job) + 454 (probably) = 2125
Passive income: £454 (21%)
Savings rate: 10.35%
Side hustle 2 value: £0.03
Side hustle 3 value: £ 388 (June and July)
Side hustle 4 value: £1899 (Funds spent:5067)
Side hustle 5 value: £66
The holiday season is coming back with a bite, but i decided that i would gift us with some fine experiences so here we are. First holiday was not that expensive (8 days in Turkey in September with a bit over £800 spent for the two of us, with a potential big saving in the future - wedding dresses made to order for much less than in UK). Second holiday to follow in November (Around £1000 in flights and accomodation on the route London-Budapest-Dubai-Bucharest-London for 15 days). After this potentially we need to save some money for the incoming wedding, so we will not have too many expenses for the next 12-14 months. There are also some plans for a promotion at work and a mortgage for the property number 2 for rent. About the rest of my plans, crypto are still going wildly up and down, so i stopped most of the stuff related to them at the moment, lazy match betting goes as usual and internet income is still under £100 per month.
See you soon!
G.
Thursday, 26 September 2019
Soon, september
I know i missed August, but i am getting ready for September. I am quite pissed as i worked 9 extra nights in July and only 4 extra night and one extra day shift in August, and the difference was £5 more after tax in July for mai main job. So basically i was working for tax, and £4 for aditional 4 nights. Not good to work too much , at least not for us normal people.
See you soon!
G.
See you soon!
G.
Saturday, 21 September 2019
How i got free Netflix forever
One of my little quirks is that if i want anything extra that it is not necesar for my sustainance of survival, i need to make that money up from other source of income than the main wage. If this is pro- or against the FIRE movement, i do not know.
But my latest pleasure that i indulge sometime when i have enough free time is Netflix. And in order to pay the £6 monthly, i made and account on Quora and using the partners programe, i got paid around £10 every month, on my Paypal, from where the Netflix guys dutifully get their monthly payment.
Not let me explain what that is! Quora is a huge forum where you can ask questions and answer to them, and sooner or later an expert will give you the right answer. There is the trick. If you get into the partners program, you will be paid for the number of people reading your questions, in a similar way with Youtube paying for views. There are some there doing thousands, by consistently writing 50 questions every day. I just ask what i want to know, on average 2-3 questions per day. There are other languages than English, and i find that another language will pay much better than the English section for the same question.
Good luck with it.
(My link is NOT a refferal, feel free to click on it)
But my latest pleasure that i indulge sometime when i have enough free time is Netflix. And in order to pay the £6 monthly, i made and account on Quora and using the partners programe, i got paid around £10 every month, on my Paypal, from where the Netflix guys dutifully get their monthly payment.
Not let me explain what that is! Quora is a huge forum where you can ask questions and answer to them, and sooner or later an expert will give you the right answer. There is the trick. If you get into the partners program, you will be paid for the number of people reading your questions, in a similar way with Youtube paying for views. There are some there doing thousands, by consistently writing 50 questions every day. I just ask what i want to know, on average 2-3 questions per day. There are other languages than English, and i find that another language will pay much better than the English section for the same question.
Good luck with it.
(My link is NOT a refferal, feel free to click on it)
Monday, 12 August 2019
July 2019 - end of the month report
My Overview
The numbers may be slightly innacurate as i lost some data, but i can still calculate the average sum.
Total portfolio: £29225 (-9)
Debt: ZERO
External funds: ZERO
Car: No
Net Worth: £29225 (-9)
Investments UK: £23246 (+4556)
Investments overseas : £4510 (+119)
Cash: £1350
Pension: £12405 (+668)
Total Income: £1443 (main job) + 700 (probably) = 2143
Passive income: £700 (32%)
Savings rate: 13%
Side hustle 2 value: £0.20
Side hustle 3 value: £ 590 (June and July)
Side hustle 4 value: £2778 (Funds spent:5067)
The net worth is mainly the same, as i did not focus on saving, with 2 holidays coming (September and November). Flight bought for first one already, and a city break scheduled for next week (some Spa experience overnight hotel, dinner etc for my other half). Cash down, investments up, this is good. I also had some extra work that will be paid at the end of August, so i hope for some net worth increase for the next month. Online profit was low (no time or no internet to blame for it), match betting was average and cryptocurrency is increasing slowly every month.
See you soon!
G.
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