Hello and welcome, here is my portfolio update July 2019.
What a great month July was! Or was it? I mostly remember being in an oven and sweating like a pig.
Anyways, July was a record breaking month for the blog and saw a huge increase in the number of visitors. That also translated into greater referral income, which by the way quadrupled. Can you believe that? I am still lost for words!
I am sincerely honored to have an audience to write to and exchange ideas with. The FIRE community is an awesome community to be part of.
There’s that. Enough of words, let’s talk in numbers!
Monthly interest incomes: July 2019
|Bondora||0€ (0%)||0€||Exited with a loss of 65,57€|
|Loss from defaults||1,71€|
|Omaraha||87,11€ (+5,70%)||4500€||4807,41€ (withdrawn 1350,26€)|
|B2P loans||54,14€ (+4,76%)||8140€||8764,92€|
|Twino #2L||0,83€ (-40,29%)||1000€||200,94€ (withdrawn 984,91€)|
|Twino #1M||0,59€ (-35,16%)||1000€||128,03€ (withdrawn 980,72€)|
|La Muu syndicate||433,29€||438,36€|
|Loss from defaults||-17,24€|
Total amount of interests received 225,59€! (-5,50%)
Other incomes/side hustles
|Referral program (blog)||392,39€|
|Affiliate commission (Bonusway)||20,15€|
My feedback to the returns
In July I invested yet another 370€ to a B2P loan and the exit from Twino is still continuing, 95,06€ still under investments.
The passive income made a small decline because we sold the apartment (property #2), finally!
Will definitely make a post about it and will break the numbers for closer look.
Now I have about 4k cash lying around. What should I do with it?
My total passive income from investments from January 2018 to July 2019:
I have a total of 5000 euros invested in Mintos and the platform generated me a total of 58,31€ of interests.
Soon the interest received will be over 1000 euros, what a fantastic milestone!
In July my Mintos Autoinvest invested into loans, which had interest rate at 15%, some even had 16%. Most of them were car loans and some were personal loans. Loans duration varied from 35 months to 57 months.
Nothing much spectacular happened in Mintos, they keep on producing and I keep on receiving!
In July I earned a total of 6,81€ of interest in Envestio.
Only 2 projects launched in July, 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.
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!
Once again, big news from Estateguru.
To celebrate EstateGuru’s official listing as a crowdfunding operator in Lithuania, they are having a special promotion for all Lithuanian loans on the platform until the end of August.
You will get a 0,5% Cashback bonus for investing in Lithuanian loans in August.
ESTATEGURU BONUS & PROMO CODE
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/
In collaboration with Ernst and Young auditors, Estateguru released their annual report for the year 2018 – https://estateguru.co/wp-content/uploads/2019/07/EstateGuru-O%C3%9C-2018-ENG-AA_compressed-1.pdf
As they say in their Facebook post, they are satisfied with their results, but it is just the beginning. They have big plans for Europe and they prognose substantial growth.
My Estateguru accounts interests income in July 2019: 11,45€.
Just another classic month at Crowdestate – real estate crowdfunding platform. Earned a hefty 2,99€ of interest. One month it spikes, another one like this month was, it fades.
August, maybe? Should bounce back well.
Nothing much to add, the business to peers loan have been going well and the interests keep on coming!
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)
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€!
Omaraha’s company account interests 87,11€ and loss from sold loans 17,24€. Which means the profit was 69,87€.
Under private account there was a total of 5,21€ of profit and 1,71€ loss from sold loans, which means a total of 73,37€ of profit from Omaraha.
EXIT from Twino continues. The portfolio size is slowly but surely decreasing. By the end of July, I have a little over 95,06€ of investments left on my Twino accounts. 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.
In October, I made a small investment of 340€ at Funderbeam into the company called UpSteam. As of July 2019, my shares are worth 816€.
No matter the size, small or big. UpSteam will clean it!
(Picture from UpSteam’s FB page)
Another great publication in the news – https://auto.geenius.ee/rubriik/uudis/eesti-autopesufirma-pakub-nuud-veeta-pesu-mille-varustus-mahu-seljakotti/
In my opinion, UpSteam has a great marketing team, the key is to be ACTIVE and TRENDY!
Constant Facebook posts, news articles, different blog collaborations, giveaways etc. That’s how it is done and that’s how the people want it. Easy as that.
The only negative thing I saw on their website is that they don’t post enough in their blog, last update July 2019 and before that more than 2 years ago. What’s up with that @UpSteam?
But for example, VIP tickets to Rally Estonia giveaway, who in the world doesn’t want VIP tickets to the country’s most wanted rally event? Especially having Ott Tänak and Martin Järveoja (national heroes) at the starting list!
That single post had 1.2k comments, 1.8k shares and close to 800 likes. Not bad, eh?
Read more about UpSteam – https://www.funderbeam.com/syndicate/upsteam
Tanker Brewery Syndicate
In September 2018, I made a small investment of 500€ at Funderbeam into the company called Tanker Brewery. In July my shares were worth 465€. Read more at https://www.funderbeam.com/syndicate/tanker-brewery
In March 2019, I invested 500€ into Bikeep through Funderbeam. As of 31th July the investment was worth 475€.
I’m pretty sure that I am not the only one, who has noticed that there are a “few” electric scooters driving around the city. A lot of them are rentals, but there are also privately owned e-scoots.
But where to park them? Don’t worry, Bikeep got you covered!
They also mentioned in their FB post that they are currently developing a special system for the e-scooters.
(Picture from Bikeep’s FB page)
Read more about Bikeep – https://www.funderbeam.com/syndicate/bikeep/
La Muu Syndicate
At the end of July my La Muu investment was worth 438,36€.
Read more about La Muu – https://www.funderbeam.com/syndicate/lamuu
18,95€ of loss at the P2P site Omaraha. A little bit less than in June. Overall a pretty average loss from sold loans at Omaraha. Nothing to worry about.
In June I decided to put the blog income and affiliate comissions into the same graph, hence the numbers are a bit bigger now.
In July, the blog and affiliate comissions generated 412,54€, which is the second highest income EVER! I’m pretty sure I will never break May 2018, but I can try, right?!
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!
I display two different incomes under the blog income. One is referral income from TargetCircle and the other one is affiliate income from Bonusway.
Since this blog is mostly dedicated to finance and logging my financial freedom journey, the TargetCircle referral links usually earn me a lot more than Bonusway affiliate links.
Yet, I would like to introduce you all to 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!)
Blog stats for July 2019
What can I say? A RECORD-BREAKING JULY!
A total of 3359 (+52,26%) visitors visited my blog and had a total of 7384 (+53,61%) views. Amazing!
Google Analytics queries/keywords stats about the blog
In July 2019, I had a total of 540 (+126) keywords shown at Google. Recorded a total of 324 clicks and 10 651 impressions, which calculates to a 3,04% CTR.
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 translated some of my June’s blog post into Estonian and they gladly published my monthly update on their site, which gave a big boost to my traffic stats.
This is it, the end of July’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.
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Also, make sure to use sign up bonuses and cashback offers! In the long run, every little bit counts!