October 2015 update (updated 13:10 2.11.2015)

Passive income Last month had quite an average passive income compared to previous months (when excluding irregular incomes such as Crowdestate Kesktee project interests and Estonian dividends). Peer to peer lending income has stayed somewhat the same, having small standard deviation. They have not grown much, mostly due to that I have not added any … Read more

September 2015 update

Intro September was quite interesting month as first Crowdestate project finished and interest was paid out. Thanks to this it was a record month of passive income. I also attended to some great events – Pub meeting with fellow investors (there were about 12 other investors, some beginners other experienced investors. We had interesting talks … Read more

August 2015 update

Passive income August was almost as good as previous month. Income from advertisements has started to climb again – summer vacations are over. The biggest disappointment was Bondora interest income that has dropped slightly (Moneyzen, Mintos and Estateguru increase has compensated the drop). I don’t know jet why, it might be some coincident, lets see … Read more

Why I opened account at Interactive Brokers

I have said many times before that one of my near future goal is to balance out my portfolio by increasing stock investment volume. For a while I have been looking for a better suited broker company that I can use for buying and holding the instruments. Firstly, I was choosing from different possibilities that … Read more

July 2015 update

Two thirds of our Estonian summer time/months have passed already and it is again time to post my last month’s performance report. Currently I am spending my vacation and I actually like the weather. There are so much windy days and as I am doing kitesurf, I have kited almost every day this week total … Read more

2015 half year summary

As promised in my previous post, here is my personal finance summary. Net worth What is net worth? From Wikipedia: Net worth is the total assets minus total outside liabilities of an individual or a company. Put another way, net worth is what is owned minus what is owed. In business it is often used … Read more

June 2015 update

Hi there! Another month has passed and summer warmth has not yet arrived in Estonia. It is time to give my June portfolio update. If someone is not yet noticed, half of the 2015 has passed (too fast!), therefore I plan to soon write another post about my half year goal progress.

What happened in June?

Nothing super interesting happened, but it was good month full of different sport activities. I started to use my bicycle when going to work (on sunny days) and I like it. You can look my progress on the chart below.


We Estonians also had our national holidays called “Jaanipäev” and “Eesti võidupüha” and I personally had almost 5 day mini vacation that included grilling and eating. It is a time when a lot of people drink and eat too much. I managed to avoid the first one entirely and the second one was managed also fairly good. The only regret is that I did not do much sport during that 5 day period only some work in our summer home.

BTW. I had an idea that someone should organize “Finatsvabadus” groups “summer days” event. For example, few hours of chatting and grilling meat in the nature. Maybe someone has a good spot/summer home near Tallinn?

Enough of that, back to numbers!

Passive income

June was again worse than 2 previous months, mostly because lower dividend income, however, this is expected due to the yearly dividend payment policy in the Baltic stock market. When not taking dividends into account, it was still worse than May as the advertisement income has decreased also (people spend less time on-line in summer).

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May 2015 performance update

It is first of June and it is again time to give an overview of previous month performance. Last month was not ordinary as I spent 10 days at Estonian largest military exercise in history called Siil 2015. Money wise it meant that my expenses were little bit lower and income higher as my employer … Read more

April 2015 performance update

This is my April 2015 investments report. I will keep it short as I have very little free time at the moment due to going to Estonian largest military exercise named “Siil 2015” tomorrow for 10 days. Fortunately my employer will maintain my salary during the exercises, so I don’t lose in money. Passive Income … Read more