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 #007 - October 2021

It is me again (a bit late xD), this time saying good by to Mr October 2021. A month that didn't bring much to be honest, neither financially nor personally. Don't get me wrong, wasn't a bad month, just nothing particularly good about it. Good thing is, I am now entering the last 4 weeks before my so, so, so, needed holidays!!! It's actually 4 weeks to leave Ireland, I'll do remote work for a week and a half and then proper holidays mode on. But just being able to get on a plane and get the heck out of here for a while will be a big relief. Honestly... I have never wished holidays so bad.

Financially speaking October was so and so. Although there were some dividend hikes on some of my positions, the earned dividends were super shy. On the other side P2P earnings recovered a bit compared with the results from September, not a whole lot to be honest (I was expecting better). Lastly, P2P related, I noticed that for over 3 weeks, Mintos had about €220 without investing them at all so i decided to relocate them.

Lets go into the details!

 

Update #006 - September 2021

What a month!!! As we get closer to the end of the year, looks like we are at the brink of a big economic colapse xD. Both world biggest economies are having their own fair share of issues due to debt (one way or another). On one side we have China and their now infamous Evergrande scandal, and on the other (literally opposite things xD) the US running out of dough and struggling to increase their debt ceiling to get them printers printing. What a time to be alive folks!!! What a time!!!

Jokes a side, hope you all had a good September, regardless of where this all takes us I truly hope is not too bad. Chances are in a few weeks we will be just talking about Halloween and we would have left all of this fear and uncertainty behind. I myself had an interesting month, did some buying here and there, got some juicy dividends and pretty good P2P results.

Life itself is going good, summer is officially behind us here in Emerald Island as we've had very chilled days lately. On the bright side, I finally got my tickets to see my family in December. It's going to be almost 2 years without being there, so can't wait!!! All that said, lets get to the numbers September left.

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.