Portfolio update August 2019

Hello and welcome, here is my portfolio update August 2019.

One, two, three. Just as fast as that the summer months are over.
Overall, I felt like August was kind of a slow month for my investments, business and for the blog as well, yet the blog kept on growing and so did the referral income. 
By the way, down below, I will be revealing one of my side hustles, but I need your thoughts on how to display the income from it.
Also the CEO of Reinvest24 contacted me, why? Continue reading to find out why!

Anyways, enough of words.
Let’s check out how well my investments worked for me!

Monthly interest incomes: August 2019

Private accountInfoIncomeInvestedValue
Omaraha5,38€ (+3,26%)200,00€294,33€
Bondora0€ (0%)0€Exited with a loss of 65,57€
Twino.eu1,11€ (+5,71%)100,00€134,72€
Estateguru0,0€ (0%)100,00€111,82€
Loss from defaults0€
Companies accountsInfoIncomeInvestedValue
Mintos58,63€ (+0,55%)5000€6015,55€
Envestio7,1€ (+4,26%)500€547,27€
Omaraha88,8€ (+1,94%)4500€4894,07€ (withdrawn 1350,26€)
Estateguru3,29€ (-71,27%)1000€1099,45€
Crowdestate2,98€ (-0,33%)500€529,34€
B2P loans56,6€ (+4,54%)8510€9191,52€
Twino #2L0,47€ (-43,37%)1000€201,41€ (withdrawn 984,91€)
Twino #1M0,33€ (-44,07%)1000€128,15€ (withdrawn 980,72€)
Reinvest240€ (0%)100€98,04€
Property #116,05€1900€2525,95€
Property #2.10€2000€2395,72€
Property #2.20€1600€1916,68€
UpSteam syndicate
Tanker syndicate
Bikeep syndicate
La Muu syndicate433,29€423,28€
Loss from defaults-17,24€
Total224,01€ (+1,34%)29383,29€31864,63€

Total amount of interests received 230,5€! (+2,18%)

Other incomes/side hustles

Referral program (blog)   529,21€
Affiliate commission (Bonusway)   16,99€
Total   546,2€

My feedback to the returns

In August I invested yet another 370€ to a B2P loan. Same story as last month, the exit from Twino continues. I have a bit more than 40 euros still stuck in different investments. Once they are done, I am out with my companies accounts. 

My total passive income from investments from January 2018 to August 2019:

total passive income from investments financefreedom.eu


I have a total of 5000 euros invested in Mintos and the platform generated me a total of 58,63€ of interests, which happens to be a NEW RECORD!
In August my total received interest reached the 1000€ mark and now my acccount is worth tad over 6000€.

Mintos interest income in euros august 2019

In the downside, Mintos had some of the worst cashdrag I have ever witnessed on the platform since the beginning of 2018.

cashdrag in mintos

I had over 950+ euros just laying around and doing nothing for me. Collecting dust, figuratively. So I decided to lower the interest on outgoing loans and I was back in action. But just by lowering interest rates a bit, can affect my results in the long run by a landslide … 

But some good news aswell. My investments at Mintos have now generated over 1000€ of total profit since I started!

mintos total profit reached over 1000 euros

Click here for Mintos reviewMintos portfolio

Click here to sign up to Mintos and get an exclusive 1% bonus for any investment you make during the first 90 days.


In August I earned a total of 7,1€ of interest in Envestio. Only 3 projects launched in August, luckily I didn’t even have spare cash on the account, so no problems there. But hopefully they can bring back those juicy projects with high interest rates. Envestio interest income in euros august 2019

Envestio reviewEnvestio portfolio

Sign up to Envestio through my referral link, you will get a 5€ bonus when you deposit at least 100€. In addition, you will also get a 0,5% cash back on all your investments the first 270 days. That’s 9 full months!


Supercharge your investments 🚀

Once again, great news from Estateguru. Until September 30, 2019, you can earn a Cashback bonus from loans featuring the CB symbol. Estateguru is offering a 0,5% cashback on all investments starting from €1000, and a 1% cashback on all investments starting from €10 000 made into loans displaying the Cashback sign.

estateguru cashback august 2019


Use my Estateguru referral link and we both get rewards!

If you sign up using my Estateguru referral code, we both get 0,5% from all your investments made in the first 3 months!

Click here to register – https://financefreedom.eu/estateguru/ join today

My Estateguru accounts interests income in August 2019: 3,29€.

Estateguru accounts interest income in august 2019

Estateguru reviewEstateguru portfolio


Just another classic month at Crowdestate. 2,98 euros of interest were received.

Crowdestate interest income in euros 2019

Crowdestate portfolio

B2P loans

Nothing much to add, the business to peers loan have been going well and the interests keep on coming!

B2P loans interest income in euros august 2019


Apartment #1 Income 16,05€. So far no problems with the apartment nor the rent payments. Overall a superb tenant!

Private real-estate As I mentioned, in November, I sold the private real-estate apartment.

Apartment #2 – SOLD at the end of July 2019. (Will make a post about the figures in the near future)

Real-estate rent income in euros august 2019


In June 2018, I decided to exit from Bondora. A year has gone by and I don’t even miss Bondora! It was the first platform I started investing in with just 10.1€ being the first deposit. Crazy right? It has served me well, even though I made lots of rookie mistakes, I am exiting with positive vibes. Farewell Bondora!

Exited from Bondora with a loss of 65,57€!

Bondora interest income in euros august 2019

Bondora reviewBondora portfolio


Omaraha’s company account interests 88,8€ and loss from sold loans 10,24€. Which means the profit was 78,56€.

Under private account there was a total of 5,38€ of profit, which means a total of 83,94€ of profit from Omaraha.

Total profit from omaraha in euros august 2019

Omaraha portfolio


EXIT from Twino still continues, a total of 50€ still in investments. As I’ve mentioned before, I will exit with my companies accounts, but will still be investing with my private account. So you should be expecting the Twino income to drop down close to 1€ a month.

Total profit from twino in euros august 2019

Twino reviewTwino portfolio


Incredible story. Just a few weeks ago, the CEO of Reinvest24 contacted me and he made me an offer. Offer was that I would sign up to their site and they will make a 100€ deposit onto the new account, so I could start investing at Reinvest24 platform. Well, why the heck not? Can’t say no to a free meal, right?

So I made my first investment into a project called “Land plot with existing cash flow and development potential”.

reinvest24 fee

Did you notice anything strange too?

If you noticed “transaction cost 1.96€” you are on point. It is the first time I am paying a fee to invest into a project on any P2P or Real-estate investment platform. But heck, they gave me a 100 euros to invest with so I’ll check the platform out.

Reinvest24 income in euros august 2019

UpSteam Syndicate

In October, I made a small investment of 340€ at Funderbeam into the company called UpSteam. As of August 2019, my shares are worth 928,2€.

Read more about UpSteam – https://www.funderbeam.com/syndicate/upsteam

UpSteam syndicate, invested 340 euros

Tanker Brewery Syndicate

In September 2018, I made a small investment of 500€ at Funderbeam into the company called Tanker Brewery. In August my shares were worth 475€.

Read more at https://www.funderbeam.com/syndicate/tanker-brewery

Tanker syndicate, invested 500 euros, august 2019

Bikeep Syndicate

In March 2019, I invested 500€ into Bikeep through Funderbeam. As of 31th August the investment was worth 495€. 

Bikeep bike racks in the Estonia’s Freedom Square, just packed with bikes, like it should be!

Bikeep in vabaduse väljak

Read more about Bikeep – https://www.funderbeam.com/syndicate/bikeep/

Bikeep syndicate, invested 500 august 2019

La Muu Syndicate

At the end of August my La Muu investment was worth 423,28€.

The investment worth is now lower than the initial investment. Was it really just a hype or will they make a comeback? I hope they do, their icecreams are yummy!

Read more about La Muu – https://www.funderbeam.com/syndicate/lamuu La Muu syndicate, invested 433,29, august 2019


10,24€ of loss at the P2P site Omaraha. Overall a pretty “good” loss from sold loans at Omaraha. Haven’t had this less loss from sold loans since January 2019. I hope the trend continues.

Omaraha total loss in euros august 2019

Side hustles

#1 Blog income 

In June I decided to put the blog income and affiliate comissions into the same graph, hence the numbers are a bit bigger now.

This is the part of some of you have waited for!

In August, the blog and affiliate comissions generated 546,2€, which is the second highest income EVER!

My blog’s main reason is to log my own investments and share/receive information with all of you. But if you wish to create an account and invest on the same platforms as I. Check the referral links throughout my blog which usually provide bonuses.

Remember, investing is marathon not a sprint, every single cent counts! blog income in euros august 2019
I display two different incomes under the blog income. One is referral income from TargetCircle and the other one is affiliate income from Bonusway. Also there are some other referral links on the blog, but since they have not generated no income yet, they are not included in the list.

Bonusway – I use it to save money while e-shopping or booking ONLINE. Read more at https://financefreedom.eu/save-money-when-e-shopping-or-booking-online/

A really simple way to save up money, especially on housing and from them random orders on AliExpress … (You know what I mean, we’ve all done it!)

Considering this blog is mostly dedicated to finance and logging my pursuit on becoming financially free, the TargetCircle referral links usually earn me a lot more than Bonusway affiliate links or any other side hustle income. Or do they?

#2 E-shop revenue

I haven’t told you guys yet, but I’ve been secretly running an e-commerce shop, which is slowly starting to pick up. 

Anyways, in July the e-shop generated a revenue of 267,3€. Average gross daily sales were 8,62€ and a total number of 8 orders were placed in July. The big ~140€ spike was due to the 1 wholesale deal I made and I thought I’d be best suited to be included in the July sales.

july side hustle revenue

As for August, the revenue was at 270,99€, a total of 17 orders were placed and 54 items purchased.

august side hustle revenue

Main reason why I didn’t reveal this side hustle project earler was that I didn’t know how to display the extra revenue/income. Any thoughts/ideas?

Blog stats for August 2019

What can I say? A RECORD, AGAIN! A total of 3643 (+8,45%) visitors visited my blog and had a total of 8313 (+12,58%) views. Amazing!

blog statistics financefreedom.eu

Google Analytics queries/keywords stats about the blog

In August 2019, I had a total of 512 (-28) keywords shown at Google. Recorded a total of 307 clicks and 8541 impressions, which calculates to a 3,59% CTR.

The numbers in August went down a bit, but yet the click-through ratio rose. 

August has usually been a very slow and dull month for many businesses and I am guessing it’s almost the same for blogging. People are enjoying summer and most of them have vacations planned in August. But just to make sure that I was on track, I asked one of my favourite bloggers the following questions about his, Ryan Robinson‘s, blog (check the picture below).

Ryan Robinson answer to august commentary

Want to start your own blog?

I have 3 websites that I own which are hosted by Siteground and I am truly happy with the service!

Have you been thinking about starting your own blog?

Use Siteground to start your own website or blog for just a 3.95€ per month!

Siteground banner 728x90

Special thank you note

I would like to thank Siim from https://rahajutud.ee/. Rahajutud (Moneytalks) is basically the centerpoint of every Estonian financial blog. They publish financial articles and bloggers blog posts daily. I regularly translate my blog posts into Estonian and they gladly publish my monthly updates on their site, which always gives me big boost to my blog stats.

This is it, the end of August’s update!

I hope you enjoyed reading this month’s update. Be sure to subscribe for faster updates and leave a comment on how did your month go?
If you have any thoughts about the blog please share them with me and other blog readers. My Facebook page – https://www.facebook.com/FinanceFreedom.eu

Also, make sure to use sign up bonuses and cashback offers! In the long run, every little bit counts!

WHY START INVESTING – Read more @ https://financefreedom.eu/start-investing/

Finance Freedom

Hi! My name is Lukas, I am in my mid 20’s and I am an engineer from Estonia. I started investing at 2014, so I have been investing for over 6 years. In addition, I was 20 years old, when I started my first company and just 21 years of age, when I made my first investments. I was hooked instantly! In this blog I will be documenting my journey towards financial freedom.

5 thoughts on “Portfolio update August 2019

  1. Nice side hustle income, well done!

    Just a graph with other side hustle income will do to display it I think.

    Keep it up.

  2. Great job with all the side hustles, and congratulations on your affiliate income!
    It’s great to see that you have income coming in from a few different places..
    You are also one of the only few blogs that show details about the keywords shown at google – this is such an important metric when your trying to make income from your blog!
    Keep it up!

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