Tuesday, 21 March 2017

Holiday thoughts

It is funny how our mind will play its new tricks on us, again and again. I was in holiday, in some 3 random countries of Europe. Nice company, nice views and all that, but for the first 2-3 days in the beginning i was kind of annoyed, as the matched betting did not work there, and i needed to fight with my perception that i am loosing money each day i am away. Of course, logically i understood the mechanism, and after a while i just enjoyed being away and not doing anything. I even went over my proposed expenses, just to fully embrace all the new experiences available to me. And it was worth it. Retrospectively, i can see what happen, learn from it and use the acquired knowledge on my next trips. But i also realized that a good bunch of my income is relaying on me being in a specific geographic area (90% of it, i will say). And it will push me to find new, better activities, that i can use in any place, at any time. Working on this now, we will see what future brings.

Wednesday, 1 March 2017

February 2017 - Monthly report

February 2017 - Monthly report
My Overview

Total portfolio: £21241(+234)
Debt: £0
External funds: £600
Car: £500
Net Worth: £20641(+1634)

Investments UK: £9869(+187)
Investments overseas : £2772( N/A)
Cash: £1286(-742)
Pension: £6188(+199)

Total Income: £2786(+1009)
Passive income: £1425(51.15%)
Savings rate: 74%

Side hustle 1 value: £392
Side hustle 2 value: £1.13 ( Profit January £123)
Side hustle 3 value: £1700 (Profit January £370)

Another good month passed by. As you can see, even if the total portfolio was not growing much (+234), i was working on returning the funds needed for past side hustles. So the net worth increased significantly in February, with a whooping £1634. Investments in UK and pension fund increased and the total income was boosted up by Side Hustle no.3. Speaking about side hustles, you can see which one i was working on this month, with not enough time to follow the other two. Passive income this month was more than half, and the savings rate was decent enough. For the moment, because i am getting ready for two holidays in the next three months. So, we will see how it will go.

Have a wonderful March, full of happiness and fulfillment.

End of the month

Working out the results for this month. Financially good, health and exercise - a bit of a struggle, but overall was a decent month. Ready for a March holiday, soon followed by an April/May one.

Life is beautiful / La vita e bella!

Tuesday, 21 February 2017

Self pity

"I, who have never willfully pained another, have no business to pain myself. "
- Marcus Aurelius -

It is true. Think about, it is as simple as that, if you will not accept for others to treat you, at least at the same level of you being upset when someone treat your best friend badly, you will be in a much better place. That's all for today.

Matched betting 101 (minimum skills)

Yes - signup free bet
Yes - bet x get y free bet (where y >20%x)
Yes - bet x pre-match, get y free bet live
Yes - bet x live get y live
Yes - bet x get y spins (less than stake x3)
Yes - bet x get y casino bonus (less than stake x5)
Yes - stake x get y (less than stake x10 - roulette, stake x1 - slots)
Yes - stake x get y spins (less than stake x5 - roulette, stake x1 - slots)
Yes - stake x get y free bet (y less than 20%x)

Tuesday, 14 February 2017

Rockstar Finance

One of the most complete personal finance blogs directory here. Enjoy it!

Friday, 3 February 2017

January 2017 - Monthly report

January 2017 - Monthly report
My Overview

Total portfolio: £21007(+570)
Debt: £0
External funds: £2500
Car: £500
Net Worth: £19007(+720)

Investments UK: £9682(+1565)
Investments overseas : £2772( N/A)
Cash: £3761 2028(-1733)
Pension: £5669 5989(+320)

Total Income: £12386 1777(-10609)
Passive income: £517(29.11%)
Savings rate: 91%%

Side hustle 1 value: £392
Side hustle 2 value: £123 ( Profit December £10950)
Side hustle 3 value: £370 (Profit December £191)

This month was good, as I was expecting. I have a decent increase in savings and investments, but i also paid in advance for two of my future holidays, buying 3 sets of return flights and booking 2 hotels, as it seems to be cheaper if i will do it earlier this year. I will go in holiday in March and May, and another time in August most probably. So i was spending approx. £500 for this goal. External funds - i need to explain this, one colleague just gave me his £2500 bonus to save it in my account or whatever until he will ask it back, as he is sure he will spend it if is available. I want to invest or save more than £800 every month as secondary objective for 2017. This month - 1530, secondary goal = achieved. Passive income was close to 30%, not so bad, but my real deal in January was my time - i had almost no free time whatsoever. This need to change.