Month summary: February 2016

Last cold month and it should start to get warmer now. I cant wait until its possible to go cycling on the roads and in the forest!

The savings rate for february was 77% which is still good. I bought a new mountain bike (because I got an amazing deal) and this took the savings rate down a bit. Otherwise it could be even better as other costs were lower than usual this month.

And the passive income total was 91,05 EUR which is divided between:

Bondora 14,36 EUR and Im slowly taking money out from there so the interest will get lower and lower each month.
I still like Mintos  and it made me 23,41 EUR. Im not adding any money there at the moment, I just keep reinvesting the interest.
Estateguru 5,63 EUR.

An my favourite class - the stocks!
I received dividends from 3 different companies:
Apple - 6,7 EUR
HCP - 23,25 EUR
OKE - 17,7 EUR

Total - 47,65 EUR

I bought 68 shares of OHI at the price of 28,35 EUR per share. It had a yield of 7,14% at the time when I bought it.

Also the prices for most of my stocks have risen quite a lot, especially the baltic ones. I will keep on buying aggressively strong dividend stocks from NYSE and Ive also started to look at the Nordic market.

Stock buy!

Last week I bought 68 shares of Omega Healthcare Investors (OHI) at the price of 31,7 USD per share. The yield should be a bit over 7,10% which is good for a REIT. This week the price has dropped a bit like a lot of other stocks, cant wait to buy more stocks especially when theyre on a discount now! My plan is to continue buying more whenever I can. Some say its better to wait for bigger price drops at the moment though.
We will see what happens, stock market is in a very interesting situation at the moment for sure.

Month summary: January 2016

We had some proper snow in January and I bought some XC skiing equipment to ski. It means that I spent a bit more this month but I had a lot of work as well and managed to save 84,5% of my active income :)
Those who have wondered how is my savings rate so high and think I get a huge salary then I dont. But I work multiple jobs and Im pretty much working 7 days per week. Some workdays are 13 hours long for me and some are only 6 hours. Last 100% free day for me was on January the 1st and next one will be maybe in March.
How do I manage to work that much? All my jobs are related to something I love - sport/fitness/health and/or bikes.
At the moment Im okay working that much but someday in the future I would like to work maybe up to 20 hours per week but not more than that. The harder I work now, the sooner I can achieve my goals :)

About passive incomes now:

Bondora made me only 14,86 EUR in January and Im slowly taking money out from there and adding it to Mintos which made me 23,94 EUR in January. The reason why I prefer mintos is their buyback guarantee.
Stocks didnt pay any dividends this month but I bought 17 shares of Apple (AAPL) at the price of 97-98 USD per share. Im going to buy more stocks this month, I havent decided yet which to buy but it will probably be something from the dividend champions list.
I made my 2nd investment in Estateguru, this one wont get me any montly payments but will pay all the principal + interest in 15 months. My investment was small standing at 200 EUR. Pakri project paid me 8,13 EUR interest in January.

How my portfolio is divided at the moment:

 

How was your month? Were you working hard or already harvesting the results of your previous work? :)

Stock buy! AAPL

Yesterday I bought 17 Apple (AAPL) shares at the price of 98 USD per share. Ive had my eyes on that one for a while and as it had a good price at the moment then I went for it. The yield is a bit over 2% which should add around 3 USD to my monthy dividend income. Apple is a strong company and many dividend growth investors have a part of it.
Next buy will probably be next month, Ill try to buy with bigger sums at once to keep the transaction costs lower.

Month summary: december 2015 + small summary of year 2015

Writing this a bit later than usual but better late than never!

Lets have a quick look how my investments performed this month.

Bondora
Interest gained 18,74 EUR and it will decrease because im slowly taking money out from there. I just prefer mintos and will start putting more money into there.

Mintos
I love the buyback system and this month I got 24,74 EUR interest from there. Im slowly adding more money into there but my main focus is on stocks.

Stocks
15,71 EUR dividends from CVX. And it seems like BBEP has discontinued paying dividends because of another big oil price drop. Im planning to buy more dividend champion stocks, some say its still a good idea to buy stocks in the energy sector but Id actually like to diversify a bit more and get stocks from another sectors. Ill keep an eye on the prices.

Estateguru
Not much to say about this one as I have still only invested in 1 project and it paid me 6,47 EUR of interest.

Total interest earned for the month is 81,66 EUR and the total for year 2015 is 597,06 EUR which is not bad as I started investing just this year :)

My next year goal is to grow my portfolio to 40k EUR and to raise my projected interest per month to 200 EUR. In order to do that the average yield should be around 6% (I count only dividends with stocks, not the price gain) which should be doable.

This year I managed to achieve all my financial goals except getting 2000 EUR into estateguru because there wasnt any projects I liked and the good ones were gone in seconds so I just was a bit too late.

Fitness related goals I didnt achieve mostly because I work too much (excuses, excuses I know). But im working 7 days a week, last month I had just 1 completely free day and before that I had one in September I think. Now I have a bit less work and can use more time to achieve my athletic perfomance goals, Ive also found a lot more motivation because I actually can train more- the more I train, the more motivated I get!
I will soon write all of my new goals on the goals page!
Stay tuned!

Stock buy!

Just bought 52 shares of HCP at the price of 35,31 USD per share. Its a strong dividend champion that has increased its dividends for 30 years straight at an average rate of 3,1% per year. Current yield is over 6%
From now on I only have my eyes on dividend champions, contenders and a few other strong companies like Apple for example. I wont be buying any baltic stocks for a while because of a lack of their dividend strategies.

Oil prices have dropped again so I might get some more companies related to that as the prices have dropped. I dont like that I have a big amount of my stocks in the energy industry already though.

Month summary: November 2015

Another month that went by quite fast. Lets get straight to the numbers.

I managed to save 74,9% of my income which is worse than previous months, the reason is some unneccessary(some were actually necessary as well) spendings. Next month should be much better because Ive been reading www.mrmoneymustache.com blog and I got some inspiration from there, for example Im driving a lot less now and using my bike to go to work as often as possible :)

Also a good choice as Im still trying to lose some bodyfat, Im still not under 10% but I still have 1 more month to accomplish my goal :)

Passive incomes

Social lending
Bondora generated 18,29 EUR of income and Im definately not adding any more money into the platform, not sure if I will start taking out though.

Mintos made me 19,09 EUR , I added 200 EUR there this month and I will probably add some more money soon. I really like the buyback guarantee they give for a lot of the loans :)

Stocks paid 4,94 EUR dividends and all of it was from BBEP. Next month should be better because CVX will pay its quarterly dividends :)

And finally 16 EUR  from some other loans.

 

My portfolio, all investments combined is now worth almost 20k! Standing at 19605 EUR

 

One more step closer to being financially free :)

How was your month?