Protein fluff aka low calorie, cheap snack

Id like to share a simple recipe. I like it a lot because its low calorie and high protein which is perfect for someone like me who likes to eat a lot not just snack some small bites while dieting to lose fat.

You can experiment with different ingredients, careful though because too many berries can make it quite expensive.
Have fun experimenting!

Stock buy!

This time I bought 37 shares of ONEOK (OKE) at the price of 34,42 USD per share with a 7,15% yield. The company has increased its dividend for 13 years straight and hopefully continues to do so.
The stock prices in the energy sector are just too sweet at the moment to not buy them. Although it would be good to diversify my portfolio between different sectors a bit more. Theres a few stocks that I would really like to buy in the future, on of them is Coca-Cola company (KO) for example and other companies that have a good dividend growth rate.  Dividend growth rate is actually one of the main things I look in a company before buying their stock, Its perfect to have your passive income rise 5-10% every year without adding any stocks in your portfolio.

This month I will do at least 1 more stock buy, Ill check for something with a good price at the given moment.

Month summary: October 2015

October went by really fast, I almost even didnt notice when the month was already over.
I finally made myself a proper plan to lose that extra fat, I wasnt going anywhere without a plan but Ill talk about this and some nice low calorie snacks in another post :)

Lets look at the financial side now.
I managed to save 74% of my income in October. Worse than last month but its because I did some emotional buys but I dont regret them as I like to sometimes buy stuff too not just save. Its good to save for the future but you have to live in the moment as well not only think about the future.

Passive incomes

Bondora made me 23,26 EUR which is a new record :) And I didnt invest any extra money on the platform as they change something all the time and I dont want to read about all the changes so often. I want it to be passive.

Mintos hit a new record as well with 21,46 EUR. On that platform I actually added 200 EUR in October and I will get some more on it in the future as I really like the buyback system and the new Georgian 1 month loans with 12% interest are really nice as well.

Estateguru got me 12,63 EUR. I didnt add any extra money but I do have 400 EUR sitting on my account waiting for a project. I like the ones paying monthly interest more so I havent invested it yet.

Stocks paid me 4,8 EUR  dividends again. The only one paying was BBEP. I also bought 130 shares of TVEAT on the baltic market at the price of 13,6 EUR per share. This should add 117 EUR extra yearly income as dividends.

And one other loan got me 16 EUR of interest.

 

Its nice to see that the passive incomes are growing and growing! 

My portfolio stands at 16595 EUR and its mostly in stocks (67%):

Hopefully next month will be even better!

Stock buy!

Another stock buy:)

I bought some more shares, 130 to be exact of Tallinna Vesi (TVEAT) at the price of 13,6 EUR per share. This increased my monthly dividend income by another 10 EUR.

Lets see what the prices will do but my next buy will probably be on the US market. Oh and I added 200 EUR to mintos a few days ago. I really like the buyback guarantee they have.

Month summary: September 2015

Summer is over and weather is getting colder... I got to feel some last summer warmth in Hungary where it still was +28C. Of course it started raining when I arrived and it also rained when I had my competition. After all it was still a very fun trip which motivated me to start training harder again and compete in higher level :)

Lets look at the investments now.

At first my savings rate was at 86,7% which is good because I had to repair my car this month and the trip to Hungary cost a bit as well (I managed to save on food during the trip as food in Poland, Hungary and Slovakia was MUCH cheaper). Savings rate is high because I managed to earn more in september than average - had some bike shows and worked a lot as always.

Lets look at the passive incomes!

Lets start with P2P loans. In bondora I earned 21,8 EUR and mintos made me 17,52 EUR. Both of them are new highs for me. I might add some more money into those sites but I havent decided on it yet.
Estateguru made me 5,63 EUR as last month, next month there is an increase expected as I invested into one other project in august.
And one other loan paid me 16 EUR interest, this one will continue for another 17 months.

From stocks I got 4,8 EUR dividends from BBEP.
I bought 325 shares of TKM1T from the baltic stock market, they will pay dividends once per year so I can expect a bigger pay in spring. Chevron corp. will pay 4x per year so I can expect dividend payment sooner too as I bought 19 shares of CVX- this buy also achieved one of my goals to invest total 13000 EUR this year, I have invested over 15 000 now! Im planning to buy more dividend stocks from the baltic and US market every month now. Ill buy whatever is cheap at the given moment.

Total passive income was 65,7 EUR for September which is a good improvemet over August.

 

My portfolio stands at 15070,62 EUR and its divided mostly into stocks

 

Lets see where I will invest next month. I dont have a strict plan at the moment other than buying mostly stocks but I might put some more into mintos and/or bondora and/or estateguru. Only plan is to keep investing :) and continue doing it aggressively.

 

Competition in Hungary

Last sunday I was at a competition in Debrecen, Hungary. I didnt know anything about the comp until the organizer sent me an invitation. I decided to go and it was very motivating for me.
It was raining all morning and other classes had to ride in rain. Luckily for the Elite class riders the rain stopped and sections started to dry up, some of them were still quite slippery though.

Slippery sections and rain wasnt as big problem as was my forearms. I got really really strong arm pump and it was just impossible to ride. I felt like I cant use the brakes and every second my grip will slip and I will crash. That cost me a lot of points but fortunately I still made it into the finals.
I drank a lot of water and rest my forearms and I managed to climb from 6th to 5th position in the final. It was an ok result but I know that I could be on the 2nd place without the forearm problem. But I can only blame myself for not training my forearm stamina, Ive had this problem before but not as bad. First place would have been impossible for me as the winner Hegedus Laszlo was just too strong as he should be being the top 4 rider in Europe.

Now Im highly motivated for the next season and I will prepare for it much better, I already made myself an 8 month training plan. In 2016 I want to ride as many world cups and probably the world championships as well.

A video of one of the sections

Time to train hard!

Stock buy!

Yesterday I made 2nd stock buy this month. I bought 19 shares of Chevron corporation (CVX) for the price of 77,33 USD per share. Now I have 2 companies from the energy sector. A lot of companies from that sector have good prices at the moment. And that means the current dividend yield is also good at 5,5%
Chevron has raised its dividends for over 25 consequtive years already so thats good news :)
Maybe Ill buy more of it in a few months, we will see. Now I just need to hold the current ones.