Envestio review – Flying to Riga to meet the team

This Envestio review is 100% unbiased and based on my own experiences only.

What is Envestio?

Envestio works in the field of providing bridge financing/equity replacement loans to the owners of investment projects. At the moment, main industries are real estate development, energy production, urban mining, and production of equipment/hardware for crypto-mining.

Envestio started as a private investment fund in 2014 and decided to go public in the end of 2017. A total of 22 projects have been successfully completed. 5 active projects are currently available on the website.

At the time of writing 736 active investors have raised 1.246.273 EUR on the platform.

Is Envestio a scam?

Good question! Investment rule #1 is “Never loose your money”.

Scammers usually shy away from personal contact. So what better way to find out, than flying to Riga and meeting them in person? Let’s see if the people fits the pictures and if the information on the website can be trusted.

Spoiler alert: Envestio is not a scam. They are a legit company trying their best to build a good investment platform with premium returns. Continue reading “Envestio review – Flying to Riga to meet the team”

Portfolio update June 2018

Portfolio P2P investments Swaper Robo.cash Twino Mintos Bondora Crowdestor Crowdestate Grupeer reviews

Hello fellow Financial Freedom and Wealth seekers!

Another month went by and I’m ready to present my portfolio update for the month of June.

This time, I’m having difficulties finding the right words to express myself. All numbers keep going up, and not just by a small amount… I should be thrilled but it almost feels like it’s going too fast. It seems unreal. Let me show you what I mean:

income statement for June 2018.


P2P Investments: 

Platform Return Compared to last month Account value
Bondora 81,96€ +138,54€ 30.344,80€
Twino 19,13€ +2,62€ 2.214,99€
Mintos 68,97€ +6,71€ 8.884,59€
Swaper 145,91€ +63,95€ 9.954,86€
Robocash 75,61€ -5,02€ 6.521,69€
Crowdestate 30,15€ +18,44€ 7.356,57€
Crowdestor 101,76€ +12,58€ 4.219,27€
Grupeer 23,19€ +22,07€ 2.264,38€
FastInvest 23,88€ +15,43€ 4.132,33€
Envestio 24,76€ +24,76€ 2.123,76€
Total 595,32€ +300,08€ 78.017,24€

Real Estate:

First property returned 660€

Blog:

Blog returned 605,13€ (+198,75€ more than last month)

Grand total: 

1.860,45€ (+498,33€ more than last month) which equals
62,02% of my first goal (+16,63% more than last month) Continue reading “Portfolio update June 2018”

Crowdestate Review 2018 – Results after 12 months

Crowdestate review

Crowdestate review

Have you considered putting Real Estate into your portfolio, but struggle to find the capital needed? Or don’t you like the thought of being a landlord where tenants can call you any time of the day? Then Crowdestate could very well be the platform for you. Minimum investment is only 100€.

This Crowdestate review is 100% unbiased and based on my own experiences after 1 year of investing. 

Full disclosure

Everything you will find on the Financially Free blog is presented with full disclosure and transparency. I strip down naked for you and unveil my income and expenses, my investments, my failures and my successes. Talking about money is a taboo for many people. I would like to change that.

My hope is, that you will be able to use my experiences to improve your own economy. Let’s educate each other and share our experiences for our mutual benefit!

Now let’s move on to the Crowdestate review. Continue reading “Crowdestate Review 2018 – Results after 12 months”

Portfolio update May 2018

Portfolio P2P investments Swaper Robo.cash Twino Mintos Bondora Crowdestor Crowdestate Grupeer reviews

Hello fellow freedom and wealth seekers!

May was another great month setting a new personal record for me (again).  I’m amazed that the numbers keep rising. Of course, I keep investing so, in theory, income should be following along. But theory doesn’t always match reality and the path to your goals never follow a straight line. The tide goes in and out, there’s ups and downs like in all parts in life. But one thing is sure: We have set our sails and the destination is clear. We might spend the night in a new harbor we didn’t expect to visit, but that’s also what makes the journey interesting isn’t it?

This months growth came mainly from a higher blog income. Thank you so much for being on this journey with me. I really enjoy your company and truly appreciate your support!

Here is my income statement for May 2018.


P2P Investments: 

Platform Return Compared to last month Account value
Bondora -56,58€ -120,43€ 30.379,20€
Twino 16,51€ -0,88€ 1.695,97€
Mintos 62,26€ +4,11€ 5.570,09€
Swaper 81,96€ +4,18€ 9.809,25€
Robocash 80,63€ +29,75€ 6.449,98€
Crowdestate 11,71 -49,45€ 7.330,60€
Crowdestor 89,18 +60,85€ 4.117,51€
Grupeer 1,12€ +1,12€ 2.204,77€
FastInvest 8,45€ +8,45€ 2.108,45
Total 295,24€ -62,30€ 69.665,82€

Real Estate:

First property returned 660€

Blog:

Blog returned 406,38€ (+203,46€ more than last month)

Grand total: 

1.361,62€ (+141,16€ more than last month) which equals
45,39% of my first goal (+4,72% more than last month) Continue reading “Portfolio update May 2018”

Savings rate – Increase income or save more money?

Savings rate banner

Why is savings rate important?

When you are steering towards Financial Freedom it’s fun and satisfying to look at your income raising from month to month. However, income is only a part of the equation. Expenses are just as important. Still, a lot of people choose to neglect this area. Why? It’s obvious… It means cutting down on all the things you’re used to buy for short term pleasure! Who want’s to cut down on fun? We all want to be rich to spend lots of money, right?

Raise your awareness

The thing is, every small purchase will postpone the day you will be able to retire as a financially free human being. Every unnecessary purchase means more working years. Is it really worth it? You don’t necessarily have to be a fanatic about money and sit on your wallet like a cheap scotchman during a finanial crisis. But if you start being aware and ask yourself if you really need the thing you’re about to buy, you’re doing yourself a huge favor. More often than not, you will be able to postpone the purchase. Maybe you will even forget that you wanted it in the first place.

To make it easier to save, I tell myself: I’m not denying myself this treat. I’m going to get it… LATER. I’m just postponing the purchase a few years. I’m going to buy it when I’m rich – when I’m financially free! Continue reading “Savings rate – Increase income or save more money?”