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?”

Mintos review – Results after 24 months

Mintos review

This Mintos review is 100% unbiased and based on my own experiences after 2 years of investing.

What is Mintos?

Mintos is a Latvian P2P investment marketplace that connects alternative lending companies with investors all over the world. The platform launched in January 2015 and currently serve 38 loan originators and more than 58.800 investors from 69 countries. Loans worth more than 678 million euro’s have been funded since it’s inception.

Mintos has three offices employing 50 people in Riga, Warsaw and Mexico City, with offices shortly opening in Brazil, Russia and South East Asia. By the end of the year, they plan to double the number of employees.

Mintos is the peer-to-peer lending market leader for continental Europe with a 38% market share according to AltFi Data. Less than 3 years after launching, Mintos reached profitability in 2017 with a revenue of 2.1 million EUR and net profit of 196.000 EUR.

Mintos won AltFi’s “People’s choice award” in 2016 and 2017 and I understand why it’s so popular. I have invested with Mintos since 07.02.2016 and my returns have been very stable and predictable month after month.

Mintos review Mintos review Continue reading “Mintos review – Results after 24 months”

Portfolio update April 2018

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

Hello fellow freedom and wealth seekers!

Spring is here, a month has already passed since last update. April was another great month setting a new personal record for me (again). As you can see on the Income history page, things are looking pretty good. This months growth came mainly from a higher blog income. Thank you so much for being on this journey with me, I really appreciate your support!

Here is my income statement for April 2018.

P2P Investments: 

Bondora returned 63,85€ (+12,82€ more than last month)

Twino returned 17,39€ (+0,67€ more than last month)

Swaper returned 77,78€ (-26,86€ less than last month)

Robocash returned 50,88€ (-21,36€ less than last month)

Crowdestate returned 61,16€ (+28,44€ more than last month)

Crowdestor returned 28,33€ (first month with this platform)

Mintos returned 58,15€ (+10,48€ more than last month)

Real Estate:

First property returned 660€

Blog:

Blog returned 202,92€ (+50,96€ more than last month)

Total: 

1.220,16€ (+83,48€ more than last month) which equals
40,67% of my first goal (+2,77% more than last month)

Continue reading “Portfolio update April 2018”

Portfolio update March 2018

Portfolio P2P investments Swaper Robo.cash Twino Mintos Bondora Crowdestate review

Hello fellow freedom and wealth seekers!

March was another great month setting a new personal record for me. After hitting 1.000€ last month, I actually expected March to return a little bit less. But the money just keeps pouring in. We are still dealing with relatively small numbers here but I’m really having fun with this money game. As you can see on the Income history page, things are definitely going in the right direction.

Here is my income statement for March 2018.

P2P Investments: 

Bondora returned 51,03€ (-75,51€ less than last month)

Twino returned 16,72€ (-1,58€ less than last month)

Swaper returned 104,64€ (+44,11€ more than last month)

Robocash returned 72,24€ (+15,84€ more than last month)

Crowdestate returned 32,72€ (+20,63€ more than last month)

Mintos returned 47,67€ (+21,88€ more than last month)

Real Estate:

First property returned 660€

Blog:

Blog returned 151,96€ (+78,95€ more than last month)

Total: 

1.136,98€ (+104,32€ more than last month) which equals
37,90% of my first goal (+3,11% more than last month)

Continue reading “Portfolio update March 2018”