January was very quiet month in terms of side projects. It was somewhat expected as same pattern repeats itself every year. In total I completed only 1 project (-6 compared to previous month) and did some minor maintenance work that does not as project but still generated little revenue.
In summary January was satisfying as the income increased reasonably (+34.21€) to total of 195.19€. The interest income part was 145.06€ (+65.73€), advertisement income correspondingly 41.29€ (-25.51€), income from real estate lending sites 6.73€ (-8.12€) and income from dividends 2.11€ (+2.11€).
Advertisements income decreased as December is the prime month thanks to Christmas poems searches. Expect 20€ to 30€ from advertisements throughout the year. I also got my first dividends from SPY. This time I was taxed by 30%. Next week I will ask from LHV if I can fill a form to pay 15% of the tax in the future.
In January I invested first time into Omaraha (mostly due do Bondora incapability dealing with new portfolio manager). Regardless of that I transfered little more money to Bondora but I used most of the money to buy loans from secondary market. My portfolio manager currently only invests into AA, A and B rating loans.
I also participated in 2 real estate investments (1 CorwdEstate and 1 EstateGuru). Bellow you can see my investments allocation. I would like to increase my stock investments this year but the prices seem to little high at the moment but I have not analyzed the situation thoroughly yet. SPY seems interesting option however I do not like USD/EUR exchange rate as I have not studied it’s dynamics yet.