Mai 2019

In Mai i have added another 1333 euros to Nordnet, same as every month, i have adda 1333 to Mintos, and that is about it. We have spend a lot of time improving the house, getting it more attractive to buyers, the sale is so important for us and our plan to become financial independent. Besides from the economical importance, we are just done here. It is a lovely place, big house, my lovely workshop and lots of land, it has been just the right place for us raising our children, living the family life, but now a new chapter will begin, and that does not include a big expensive house, so it has to go. I am so much looking forward to this, it is really exciting!

I maj måned investerede jeg igen 10.000 kr på Nordnets månedsopsparing, det samme som alle andre måneder. Jeg overførte også 10.000 kr til Mintos, og mere er der ikke sket med investeringerne i denne måned. Vi har brugt en masse tid på at opdatere huset, så det bliver mere attraktivt for købere, salget er en meget vigtig del af vores plan om at blive økonomisk uafhængige. Udover den økonomiske del af det, er vores tid her kommet til en naturlig ende. Det har været et fantastisk sted at være familie, stort hus, stort værksted og 30.000 kvm grund, rigt dyreliv, frugtplantage osv, men nu starter et nyt kapitel, og her passer et stort hus ikke ind. Jeg glæder mig rigtig meget til at tage hul på et helt nyt kapitel, det er vildt spændende!

Distribution investments Mai 2019

Overview Crowdlending Mai 2019

April 2019

In april i added 1333 euros to Nordnet, 1333 euros to Mintos and 1333 euros to Envestio. A total of 4000 euros. Envestio is another crowdlending platform, with a rather high interest to the investors. A short review of Envestio will follow later.

Another thing that has happened, and will make a huge impact on my investments is, that our house is up for sale! We have been living here for 13 years and have maid a lot of extra payments on the mortgage, so we now have a substansial equity in the property. The plan is to buy a lot smaller, and cheaper house, leaving us with money to make futher investments. I am very exited about selling the house 🙂

So far my distribution of investments look like this, point to look the numbers in euro

I april investerede jeg 10.000 kr på Nordnet, 10.000 kr på Mintos og 10.000 kr på Envestio. Ialt 30.000 kr. Envestio er endnu en crowdlending platform, der ofte tilbyder ret høje renter på deres projekter. Jeg vil senere lave en kort omtale af Envestio.

Noget andet, meget spændende, der er sket i denne måned er, og som vil få meget stor indflydelse på fremtidige investeringer er, at vi har sat huset til salg. Vi har boet her i 13 år, og har mange gange betalt ekstra afdrag, så vi nu har en god friværdi. Planen er at finde et meget mindre og meget billigere hus, så vi får råd til at investere langt mere. Jeg glæder mig rigtig meget til at sælge huset 😉

Herunder ses lidt grafik omkring nuværende investeringer:

Value investments total: 51362 Euro

The investments in numbers:

 NordnetMintosEnvestioGrupeerFastinvestProperty 1Total
Value20684267913336767
2695651786
Invested193332667133367672666632733
Income this month
135112050290
1658

About the monthly review

Every month i will write about my investments, how much money i have invested this month, in what platform, how much the value has increased and som few thoughts about why i do as i do. The scheduled numbers will be from ultimo the applicate month.

Feel free to comment, and suggest what you would like to see/know.

I am a beginner in writing blocks, but i will try to make better graphics etc as i gradually get a better blogger.

February 2019

I mam really getting started now 🙂

This month i added 6667 euros from our savings to Nordnet, investing in single stocks. Single stocks will not have a big role in my investor strategy, but right now i like to have some, trading once in a while. Nothing rational about it, i am no expert in stocks. I also invested 1333 Euro on Mintos, a crowdlending platform. I will write a post about crowdlending in the nearer future. So a total investment of 8000 euros this month.

Mintos

Mintos

Mintos is so far my favorite crowdlending platform. I have been investing on Mintos since i started in january 2019, at it has been running smoothly, giving me the expected interests. At this point my average interest is 11,45%, but it could have been maybe 13-14%. When you invest on Mintos you get to choose from different types of loans, loan orginators, countries, loan period etc. Some of the loans with high interests are personal loans with a very high APR, and i dont want to contribute to this kind off business.

Mintos is very easy to use, just transfer some money and get started. I would strongly advice to use the autoinvest function, unless you want to use a lot of time on their website. The autoinvest will invest all the principal and interest you get from the loaners, so your money will work for you constantly, but check now and then that the autoinvest is working properly and adjusted to give you the results you want. If eg you can see that 30% of your loans comes from the same loanoriginator, you might consider to remove this originator from your autoinvest to bring the part of loan from this originator down. After a while, when you hav achived this, you can add the originator again. Look around on the site and get to know it and all the options it has for you.

Welcome to my blog!

This blog is all about how to be able to finance your dream, whatever that might be. My passion is sailing and traveling, so for some years a have been dreaming about circumnavigate the globe together with my wife. But how will i be able to afford it, when we both are 20-25 years from the age where we can get our pensions? Well, we will have to make our own “pensions”, and actually it is not that hard. Early retirement is possible for most people, but it is not an quick fix, it is a marathon, and it comes at a price.

Follow along as we gets closer and closer to our dream, i will show you all the numbers, gains and plans in a monthly review, and i will give you my thoughts on the way. If all goes as planned, we will be buying our freedom in 2-3 years time and for the rest of our lifes.

In 2021 or 2022 we will set sail, circumnavigating the globe.

If you like this blog please subscribe and give it a thumbs up. You are also more than welcome to leave a comment.

Velkommen til min blog

Denne blog handler om hvordan du bliver i stand til at finansiere din drøm, uanset hvad den måtte være. Min store lidenskab er sejlads og rejser, så jeg har igennem en årrække drømt om at sejle jorden rundt sammen med min kone. Men hvordan kan vi gøre det 20-25 år inden den gængse pensionsalder? Vi bliver simpelthen nød til at tage sagen i egne hænder og opbygge vore egne pensioner der passer til vores behov, og i realiteten er det faktisk ikke så svært. Tidlig pensionering er muligt for langt de fleste mennesker i den vestlige verden, men der er ikke tale om en sprint, snarere et maraton, og det er ikke uden at lide afsavn.

Følg med efterhånden som vi kommer tættere og tættere på vores drøm, du får alle tal og fremskridt at se i min månedlige opdatering, og lidt tanker om emnet, hen ad vejen. Hvis planen holder vil vi købe vores frihed om 2-3 år.

I 2021 eller 2022 sætter vi sejlene og starter eventyret rundt om jorden.

Synes du om bloggen og har lyst til at følge med, kan du klikke på “follow” og give os et “like”. Du er også meget velkommen til at komme med kommentarer.

Møns Klint autumn 2018