Monday, 5 June 2017

The 12 months plan - finished

Motto: All the wealth in the world worth nothing for you, if you are not healthy.
(Financial freedom wizards manual)

Weight: Between 80 to 85 kg at 1.80 m (5'9'') Aiming for 77 kg and 15% body fat on 1st of June.
Body fat: Between 14% to 24%
BMR (basic metabolic rate) = 1818 kcal
PAL (physical activity level) = 1.375
Energy requirement daily = 2499 kcal
BMI = 24.69 to 25


1. Body
- Yoga techniques (postures, breathing and meditation)
- Running  - endurance and sprint
- Strength and power/stamina building exercices


2. Diet
- A 70% plant based diet (with a twist of 70% alkaline food daily), no chemicals, less to no sugar, less to no caffeine, better hydration (300 ml water every 3 hours when possible) - I achieve this 80% of the time, i would say.
- One day a week - 24 hour fasting - Most of the time. Now i am thinking at some part fasting, where i eat all the food in 8 hours interval, followed by a fasting time of 16 hours. There is some research supporting my theories.

3. Mind
- Mindfulness techniques aka meditation:
- Brain boosting supplements - For the this month i tried: Omega 3, Magnesium, Ginseng and Ginkgo biloba solution, My herbal remedies (but for the herbal treatments i did it completely only 10% of the time).
- Memory enhancement techniques


I would like to think that i achieved a great deal in all those 12 months, even if i still have work to do.

Conclusion:

Physically speaking - I need to train harder, with conditioning for joints and bones, and mobility (yoga). Ideally I need to do 3 strength training of at least 30-45 min (unless is high intensity training, which can be done faster), 2 running sessions - one speed, one endurance, and 15-30 minutes of yoga in the morning, followed by mindfulness techniques for 15-30 min.

Diet - should be all organic, vegetarian, with no sugar and caffeine, and a decent amount of water per day (no fizzy or sugary drinks). Supplements like Omega 3 and Magnesium all the time, with ginseng,ginkgo or other mind booster  from time to time. 1-3 day fasting when possible.


Sunday, 4 June 2017

Connected, empowered and finding the meaning of life

"We are all connected: to each other -- biologically, to the earth -- chemically, and to the rest of the universe -- atomically."
- Neil DeGrasse Tyson -

And this connection is real, binding ourselves to hidden realities. And, in doing this, changing ourselves will change others, and the universe itself. Improve every day, close the gaps and raise your weaknesses to main skills.

"People's great creativity and diversity, our desire for contribution and relationships, blossom when the heart of our community is clear and beckoning, and when we refrain from cluttering our paths with proscriptions and demands. The future of community is best taught to us by life."
- Margaret Wheatley -

But what is a community? It is the work microcosm? It is our relatives as a family? It is our nation?
Or the whole humanity? Jung was talking about Egregors, the nation Egregor, the family Egregor and so on. This is some kind of a magical being, created by the conversion of all the energies that are common to all the members of one group. The stronger is the group, the more powerful the influence of the Egregor will be. And the more groups you become a part, the better for you.

"And this, our life, exempt from public haunt, finds tongues in trees, books in the running brooks, sermons in stones, and good in everything."
- William Shakespeare -

We look for meaning, even if it is not, we are still finding it, according to our own beliefs. We find gods pictures in bread, in leaves or trees, but the whole world  is nothing else than a Rorschach test, and we only see outside of us what in fact it is inside. Next time when you see something that you don't like in the real world, check inside you too. Maybe there is some work to be done there.

Friday, 2 June 2017

May 2017 - Monthly report

May 2017 - Monthly report

My Overview

Total portfolio: £33315 (+6910)
Debt: £3578 (-442)
External funds: £450 (-750)
Car: £500
Net Worth: £29787 (+8002)

Investments UK: £21633 (+8412)
Investments overseas : £3248 ( +/- 0)
Cash: £820(-231)
Pension: £7098(+502)

Total Income: £1480(-64)
Passive income: £228 (15.41%)
Savings rate: 36%

Side hustle 1 value: £392
Side hustle 2 value: £3.6
Side hustle 3 value: £215 (Profit April- 65.5)

Finally a side hustle that worked better that i hoped. Last month i invested £3300 in digital currency (Ethereum), hoping to make couple of hundreds. Funny enough, the value went up five times, so now i have in my portfolio well over twelve thousands. I am waiting to see what happen, seems that my house deposit will be ready soon.  Hence the big portfolio growth. I am also reducing the external funds and the loan, while i try to reach the magical 50% saving rate (over 30% in the last months). Not much passive income as i was (again) in some kind of holiday (went home to see family). Pension increased with a nice £502,  And i have quite a work to do in June, as i just buy the flight tickets for my August trip (quite expensive - around 350). I hope that next month my external funds to be close to zero and my net worth to go over the 30K limit.

Good luck to you too!


Monday, 1 May 2017

April 2017 - Monthly report

April 2017 - Monthly report

My Overview

Total portfolio: £26405(+2254)
Debt: £4020 (+20)
External funds: £1200 (+200)
Car: £500
Net Worth: £21685 (+2034)

Investments UK: £13221 (+1653)
Investments overseas : £3248 (+476)
Cash: £1051 (-49)
Pension: £6596 (+170)

Total Income: £1544 (+170)
Passive income: £81 (5.27%)
Savings rate: 36%

Side hustle 1 value: £392
Side hustle 2 value: £2.5
Side hustle 3 value: £65.5 (Profit March - Zero)

This was another good month, despite me getting ready for my next holiday. Quite a big plus, mostly due to the valuation of Bitcoin and Ethereum. A bit of extra debt, just to patch some activities here and there, but i will start to tackle it from May on. Net worth went up with £2034, investments growth both in UK and overseas, pensions up with a bit more than £170 as usual, and i am proud of my 36% savings rate. Still recovering after the catastrophic March mistake, probably fully recovered at the end of May. Two months without profit from the side hustle is a costly experience, but then, this is how we get wiser, right? Side hustle talking, i started to make a small profit again, i am waiting to see how this month goes.

Thursday, 27 April 2017

One bitcoin, two bitcoins...

One interesting area to play with, although highly volatile, it is the digital currency market. In this last year we could see Bitcoin going up from 380 to 1000 pounds, and other secondary currencies such as Ethereum from 1 pound to 49 in less than one year. Just think about, if you got 1000 to spare and invested last august in Ethereum, you would have close to 50 thousand today. Of course, others have not such a sum to risk, but this was only one example. And they are probably still growing, so it is a bit more to get from it. (Truth to be told, it was a massive impact due to the India money reform and to the fact that some of the financial options in Japan got zero or negative interest, so the Indian and Japanese market play a huge part on the market.)

Check yourself, familiarize with the concept and invest a small amount of money every week or month in digital currency, you will be rewarded if you play the long term game.

Wednesday, 26 April 2017

A millionaire advice

This is so good that I cannot keep it only for me.

"How to make lots of money with Facebook:
Step1: Go to My Account.
Step2: Log out.
Step3: Do some real work. "

(Via JMoney - celebrating Jokes day)

Mistakes

They say that the intelligent person learn from his mistakes, the wise one from other's mistakes. Despite reading about this specific one, and learning about the psychological mechanisms behind this kind of behaviour, i did it myself 6 weeks ago. Seems like i am only intelligent, not wise, at the moment. A costly error, in fact a suit of 4-5 wrong decisions that spiraled in a catastrophic result, wiping out almost £1500. Took me 60 days of consistent work to recover, with more than 120 hours of real work. I will make this kind of error again? Probably not soon. As i had the feelings related to this and i learn. We are not perfect. And we need to realize that sometimes we will make the wrong decisions. Ideally, we should learn and never do it in the same way. A genius is the one that make hundreds on mistakes, but not the same one twice. And sometimes, in between our 101 mistakes, we do the right kind of mistake, and we discover something revolutionary. This is one way. The other way is to not test, to choose the traditional verified course of events, and to reach our objectives. But in the end, we will not have a story to tell. Perhaps we do not even need to tell a story. As long as we are there, where we aim to be.

Which way is the best to follow?

Thursday, 13 April 2017

Health plan

I am trying a new way of reaching my training goals, with a loose suggestion table instead of well defines goals. let's see if this one is working better than the rest.


Sunday, 2 April 2017

One year health plan - month 10

Motto: All the wealth in the world worth nothing for you, if you are not healthy.
(Financial freedom wizards manual)

Weight: 80 kg (2 kg lessthan 60 days before ) at 1.80 m (5'9'') Aiming for 77 kg and 15% body fat on 1st of may.
Body fat: 14%  (4% less)
BMR (basic metabolic rate) = 1818 kcal
PAL (physical activity level) = 1.375
Energy requirement daily = 2499 kcal
BMI = 24.69

So, a decrease of 500 kcal per day should be sustainable if i eat enough fruit and veg.

1. Body
- Yoga techniques (postures, breathing and meditation) once per week - done
- Running or other kind of training - 1 sessions -10%

2. Diet
- A 70% plant based diet (with a twist of 70% alkaline food daily), no chemicals, less sugar, better hydration (300 ml water every 3 hours when possible) - I achieve this 80% of the time, i would say.
- One day a week - 24 hour fasting - I did not fast in March. I did not decreased the sugary and caffeine rich foods and drinks this month more than usual.

3. Mind
- Mindfulness techniques aka meditation: 40%
- Brain boosting supplements - For the this month i tried: Omega 3, Magnesium, Ginseng and Ginkgo biloba solution, My herbal remedies (but for the herbal treatments i did it completely only 10% of the time).

Physical training -Was fine at the beginning of the month, but based on walking during the holiday, which holiday disrupted my normal routine.
Diet - Was  fine, predominant vegetarian, without too much dairy and almost no eggs.
Mind - I am getting a bit unfocused lately, wasting far to much time on unessential activities. Training focus is a must.

Two months left until the end of the program, and i tested different approaches to solve the health equation. In April i aim for running seriously, building a bit of strength and clearing the emotional body. Focus training should be added too.

Saturday, 1 April 2017

March 2017 - Monthly report

March 2017 - Monthly report

My Overview

Total portfolio: £24151(+2910)
Debt: £4000 (+4000)
External funds: £1000 (+400)
Car: £500
Net Worth: £19651 (-990)

Investments UK: £13221(+3352)
Investments overseas : £2772( N/A)
Cash: £1100 (-186)
Pension: £6188(+199) 6426

Total Income: £1374(-1412)
Passive income: £13 (0.94%)
Savings rate: 2%

Side hustle 1 value: £392
Side hustle 2 value: £0
Side hustle 3 value: £0 (Profit February £1700)

Short story of March: I managed to loan 4000, invest more than 3000 and even spend more than 1000 on a special project. I also noticed that all my side hustles are geographically limited, so during my extended holiday, travelling in Italy from north to south and visiting most important places (in my opinion), i was just spending and spending. First two days I was a bit clingy, but i decided to enjoy it and focus on recovering the expenses in April. Also my next holiday is in May, for 3 weeks again, so this year i will relax a bit on the side, on work when is needed. I have many tests and projects related to finance, and i will be very happy if at least half of them will be successfully completed.

Let's talk about money! My portfolio increased with a considerable amount (3k), but my debt also, even if i will pay it when i have some extra to spare. Investments and pension together made it to one 3.5k this month, only 500 spend in holiday from the borrowed money. But when someone is giving you 4k to do the dream trip that you are planning it from 3-4 years ago, you do not argue with the one offering this to you, right? The cash reserve is mostly the same, the real passive income was almost nonexistent this month, and the savings rate is the lowest in the past 27 months. I have high hopes for April. But we will see what happens next.

Take care!

G.

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.
G.

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. 

One year health plan - month 8

Motto: All the wealth in the world worth nothing for you, if you are not healthy.
(Financial freedom wizards manual)

Weight: 82 kg (0.2 kg more than 60 days before - 85 kg) at 1.80 m (5'9'') Aiming for 81 kg and 19% body fat on 1st of January.
Body fat: 18%  (2% less)
BMR (basic metabolic rate) = 1818 kcal
PAL (physical activity level) = 1.375
Energy requirement daily = 2499 kcal
BMI = 25.88

So, a decrease of 500 kcal per day should be sustainable if i eat enough fruit and veg.

1. Body
- Yoga techniques (postures, breathing and meditation) once per week
- Running or other kind of training - 3 sessions -30%

2. Diet
- A 70% plant based diet (with a twist of 70% alkaline food daily), no chemicals, less sugar, better hydration (300 ml water every 3 hours when possible) - I achieve this 90% of the time, i would say.
- One day a week - 24 hour fasting - I did not fast in January. I did not decreased the sugary and caffeine rich foods and drinks this month more than usual.

3. Mind
- Mindfulness techniques aka meditation: 30%
- Brain boosting supplements - For the this month i tried: Omega 3, Magnesium, Ginseng and Ginkgo biloba solution, My herbal remedies (but for the herbal treatments i did it completely only 20% of the time).

Physical training -After recovering almost completely with my foot problem, i did not run much. I did a training now and than, but nothing spectacular.
Diet - Was  fine, predominant vegetarian, without too much dairy and almost no eggs.
Mind - I am getting a bit unfocused lately, wasting far to much time on unessential activities.

Thursday, 2 February 2017

Another month is gone

January finished already, this year time is speeding. I will try to check my facts and results tomorrow. Health was a bit under the radar, but financially it was a very good month. Let's see what February will bring into the equation.

Saturday, 28 January 2017

Soon

The monthly report is almost ready, seems that I am over-delivering, according to my schedule. We will see what will happen in the next 3 days. It was a quiet month, with some extra expenses aiming to save some serious money over the year. I already paid for 6 flights and some of the accommodation price already. The future is bright!

Tuesday, 24 January 2017

New plans

It feels good to have no debts. But now i need to go even a step further. I need to increase the savings percentage over 50%. How hard can be? I will see. It is even that or i will set a minimum amount to be saved monthly, and i will just work more to achieve it. I do not know which will be the final choice. Let's see how it is going.

Have a nice fruitful week!

Thursday, 12 January 2017

"Work is better when you don't need the money" - quote of the day

"Work is better when you don't need the money"
Mr. Money Mustache

No comments on it, just a little video for all to enjoy.

Click here to see it.

Friday, 6 January 2017

2016 - yearly report

While in 2015 i earned 16506 with only 114 passive income ( 0.7%), in the year 2016 the total income was 35073 with 19202 passive income (54.7%), coming from 8 different sources of income (one being plain old work in a full time job and few part time ones - 15871). I started several side hustle projects, 5 worthy to mention, one with 10950 profit, one with 1023 profit in the last three months of 2016, still ongoing, one with 1 pound profit from interest (still on the paper), one with 700 spent and only 45 returned and one with a loss of approx. 600. Overall, was fine, and i have at least one side hustle to continue in 2017, with an possible profit of 4-5000.

I paid 500 for a car in December 2016, with additional expenses of 74 for road tax, 20 for petrol and 57 per month for insurance. MOT due in September. I used only once and i will probably sell it, as my other half already got a car and she use it every day. Or I will start to use it. Whichever of tow happen first.

I met James Altucher and Tony Robbins (also walked on fire and trained for 4 days for 649, but these were money well spent). I paid 1500 for three holidays in Dublin/Ireland, Mallorca/Spain and Herculane/Romania.

I implemented a 12 month health plan, and I improved my health every month, managing even to get out of my daily thyroid medication at the moment.

I paid all my debts in December 2016.

So, it was a fruitful and beneficial year for me, i just with that 2017 will be at least that good, if not even better for me and you.

Take care and keep saving, because in terms of business, it is totally worth it to invest 5 years of your life working hard if the result is close to 20-22 years worry free before your retirements ( return on investment higher that 400%, you cannot get that nowhere in real life financial investment, and we talk about time, a resource much valuable than money.)

G.

Thursday, 5 January 2017

December 2016 - Monthly report

December 2016 - Monthly report
My Overview

Total portfolio: £20437(+10233)
Debt: £0 (-2870)
Car: £500
Net Worth: £18287(+10863)

Investments UK: £8117(+6211)
Investments overseas : £2772( +808)
Cash: £3761(+2843)
Pension: £5669(+253)

Total Income: £12386 (+10239)
Passive income: £11131(89.9%)
Savings rate: 92%%

Side hustle 1 value: £392
Side hustle 2 value: £118 ( Profit December £10950)
Side hustle 3 value: £191 (Profit December £154)

December was awesome. I managed to cash in one of the many side hustles started in Spring 2016. Not so bad. Almost 11 grands to go to my portfolio. Half of it i invested in TheHouseCrowd.com website, to try something different than my usual partners. My portfolio value doubled up, debt erased completely and the net worth just bumped  out with the already mentioned 11k. 20% of the profit i will also invest it in overseas instruments, just in case. I keep some cash in my TSB account for the 5% interest (was good while it lasted, i think it will go from 5% on £2000 to 3% on £1500 from January). The double record, savings rate of 92% and passive income of almost 90% for this month, was astounding, I hope i will manage to reach a better one in 2017. I will do some fact checks and statistics for the entire year very soon.

Have a perfect week,
G.