Friday, 23 February 2018

Real estate crowdfunding

As for two of the websites i use for this specific investment,  just increased the minimum investment at £100 (it was £10 before), while has £1000 as minimum investment.

First one yearly returns are somewhere at 5-7% after tax, while for the second is 7-9% after tax.

Wednesday, 14 February 2018


When i was little,

in my dreams,

i was always flying.

Sometimes close to the earth,

sometimes up in the sky,

but the fly

it was just a metaphor

for freedom.

Now i grow up,

and i stopped flying.

I wonder why?

(Retirement or work, all of them are also just metaphors, but behind them is hidden the idea of freedom, and how or if we achieve it, it is only depending on us. Be active and start right not. Do a small action towards your total freedom. Good luck!)

Tuesday, 6 February 2018

January 2018 - monthly report

My Overview

Total portfolio: £32419 (-1956)
Debt: £5208 (-132)
External funds: ZERO
Car: No

Net Worth: £26911 (-2124)
Investments UK: £17206 (-1516)
Investments overseas : £3954( same)
Cash: £1960 2500 (-540)
Pension: £8714 8604 (+110)

Total Income: £1705 3359 (-1654)
Passive income: £448(26.30%)
Savings rate: 60.23%

Side hustle 2 value: £0.13
Side hustle 3 value: £413 (Profit December = 471)
Side hustle 4 value: £711 (Funds:4944)

Not so good on the numbers this month, due to renovation of the rental house and the cryptocurrency decline. But the house is almost ready to go, and we have some prospective tenants, with only the gas safety check to be done tomorrow. One major cause of almost £9000 in expenses was moving in a new property and renting the old one, after some serious renovations, so hopefully we start to build the savings back from now on. Another cause of £1516 decrease in investments was due to cryptocurrency dip (based on a £4944 initial portfolio), but if it is not one of those mistakes done now and then in life, i will see the results in December this year.
Side hustle 1 is seriously down, even if is 100% passive. And side hustle 4 is related to cryptocurrency, as you could guess already. All this while matched betting is a constant, with a bit over £400. The future is promising from now on, with utilities (gas, electric, water and council tax) not needing to be payed on the second house as soon as the tenants are in. One set of expenses disappearing, and rent coming in the saving account, things tend to look brighter. I will focus on the side hustle 2 in the near future, and maybe something will move in the right direction over there.

That's all for the moment, thank you for the support, have a nice day!

Thursday, 1 February 2018

Zero fee share trade - coming soon

I got some good news tonight. Probably you heard about sharedealing platform with zero fees, like Robin Hood in US, or the ones that started to trade share fractions? Well, seems that we will have the best of both in UK, with Free Trade launching soon over here, promoting zero fee and even share fractions. Seems good to me, and can’t wait to test their products.

Link here to put your email on the waiting list.

Disclaimer: This is a referral link aiming to put me higher on their waiting list. You can use the no-referral link here if you wish so. But thanks anyway.