Yearly summary - 2021

Hello how long!!! Here I am, ready to do a review of my 2021, see which of my goals I achieved and which I didn't and also to rant a bit about other stuff. Also was thinking about including some highlights of 2021 and set the new goals for 2022.

Update #005 - August 2021

Here we meet again, another month is gone and is time to pick up the numbers to see how things went. Personally August was a solid month, lots of bouldering was done and a pretty good walking stats :). Financially speaking it wasn't as solid unfortunately xD, that said something great happened in this are :) keep reading if you want to know more :O... (see what I did there :P )

Update #004 - July 2021

Say good bye to July!!! Yess, July 2021 is official behind us all, and I'm a year older than I was in "Update #003 - June 2021". Besides the regular aging that comes along with time, July has been a pretty fun month, very sportive I must say. Back to play some volley ball here and there and some very intense Bouldering sessions. For the ones unfamiliar with Bouldering is a sort of indoor climbing, pretty fun and great full body workout.

Financially wise, July wasn't a record month in terms of passive income, but was pretty close. It did reach the highest expenses coverage percent ever with a nice 2.7%, beating March 2021 by 0.01%!!! How come you have lower income and higher expense coverage? You must be thinking! Panic not, I have the answer for you :), essentially my expenses have dropped a bit since I moved in with my girlfriend and this is a side effect of that. Anyways, enough talking, show me the numberssss

Update #002 - May 2021

Here I am, June 2nd, re writing this post because freaking Blogger editor is crap... and deleted all my draft when I was trying to copy a freaking table to it. Anyways... May did not go unnoticed to me at all, lots of interesting events in tha finance world, from the crash in Bitcoin and other cryptos, to a deep in the SP500, AT&T announcing Warner media spinoff, etc. Adding to all the financial madness, Ireland has provided some of the sunniest days I can remember, so all in all things in May were interesting.

Personal finances are looking good as well, second highest month in expenses coverage with passive income reaching 1.89%. As usual, mostly driven by the P2P portfolio returns and less than half by dividends from my stock portfolio. No big chances in the P2P portfolio, although a few things are not looking so nice. I did make some changes in the stock portfolio that you might find interesting, bought some deep in the lows we had in the first half of May 

Update #001 - April 2021

Hello! As will be regular from now on here it goes my first official monthly update. April was a very interesting month, crashed the walking targets, decided to leave Bondora to improve my P2P portfolio yield and got some nice dividend bumps here and there. Besides all that, It's good to see world slowly coming back to normal, at least here in Ireland we have left behind some of the restrictions and getting some of our freedom back. Hopefully as vaccines become more and more available we will all be back to the world we knew!

Why I'm saying goodbye to Bondora...

For the last 2 or 3 months I've been thinking about how much value is Bondora actually adding to my P2P portfolio after all. I was first drawn to the platform by their amazing liquidity promise and low maintenance investing mode, however a few things have changed so here are my reasons why I'm leaving the platform.

One step at a time towards financial freedom

Hope you are doing great in this rather weird times we are living. Welcome to the somewhat intelligent investor, a blog tracking my steps to financial freedom while trying to keep healthy and sane (as much as it is possible at this stage). I've been following several other blogs so thought why not starting my own now with all the "free" time the pandemic has given us, right? So here I am, telling strangers about my finances and how I plan to be financially free/independent by the age of 40. In case you wonder, I'm not too far away from 40, so this goal is rather crazy nowadays, but what the heck!