Stick or Twist?

This title made me smile. It reminded me of playing cards with my Mum when I was young, I think it was called Pontoon or as other's may know it, Black Jack. When the question was asked 'stick or twist?', I was always going bust because I just couldn't resist an extra twist. That theory changes when you put away the matchsticks and start playing with real money. Sticking to My Guns As you might gather from my intro, it was no easy feat, to not invest more into the various platforms. I said at the end of September though that this is what I'd do. So I did...almost... There were some super projects that went live this month (Oct) and I had to sit on my hands. It made me think though that if I got more involved and took more time to scrutinise the details of everything I invested in. Rather than using the Auto-Invest features, I could steer my money into more...
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Do You Want to be Rich or Wealthy?

Image by Alexas_Fotos from Pixabay I think it is important to make this distinction and to ask ourselves what it is we strive for. Do you want to be rich or wealthy? Inspiration for this article came from an instagram post by @goalgirlfinance and a quote from Magaret Bannano: "Being rich is having money; Being wealthy is having time." Based on this theory, all my goals, whether financial or otherwise are aimed at increasing my wealth. I have never claimed to be rich or to dream of being so labelled. But give me more time... well, "Where do I sign?". Really my whole journey over the last 5 and a half years has been about experiencing new things, seeing what I'm capable of and ensuring I live before I die. Time is not something we can get back. You can't go back and do things over. You get one chance but it's hard to not get caught up in what others think you should be doing. Turning...
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Look At The Numbers a Chance to Regroup

If you are following me on Instagram or on our Facebook page you will know that my car broke down this week. It was an old car and beyond economical repair, although we are still looking at some possibilities to recoup some funds. It has made me take a closer look at the numbers. I had to buy another 'new to me' car to get me by. This wasn't in my budget. I have an emergency fund so I dipped into this. After all that's what it's for isn't it? But it got me thinking about how I would both replace this EF and continue my investment journey. Image by Alexas_Fotos from Pixabay Number Crunching My plan in October was to hold fast with my investments anyway, therefore this little 'blip' would not impact that strategy. However, November's plan was to invest more in key projects. There are some amazing projects being launched at the moment that are so so tempting. Historical renovation projects...
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Planning for Retirement at 50 (Part 3)

Image by amberzen from Pixabay Here we are, the last in my three-part series on planning for retirement at 50.Over the last two short articles we have looked at why women over 50 shouldn't invest and why we don't. Now for the most important part in this series. Why women over 50 should invest in our futures. Top 5 Reasons Why Women Over 50 Should Invest Women are the Key to Prosperity.This is actually a quote from Warren Buffet in Fortune Magazine. He went on to say, "we just need to unleash their potential." Buffett and his family come from an era where women were encouraged to "marry well" in terms of a career goal.We doubt ourselves and are constantly told men are better than us in business. However, we live in an era now where women are taking back control, putting right the wrongs and bridging the gender gap.Let us be part of this revolution and forge our own future.Women Statistically Outlive...
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Planning for Retirement at 50 (Part 2)

Image by Clker-Free-Vector-Images from Pixabay This is the second part of my planning for retirement at 50 series.Yesterday we looked a little tongue-in-cheek at why we as women in our 50's and older shouldn't invest. I suggested that often it was us saying negative things about ourselves. So here is a different way of looking at that same list, minus the emotive language. Top 5 Reasons Women Over 50 DON'T Invest We are busy juggling careers, college kids, keeping house, tending to pets, managing the family. Therefore, whilst our place may not 'be' in the kitchen. We are all very stretched in our day-to-day that we don't take the time to breathe and look ahead.Many of us didn't grow up using computers and therefore we are slightly nervous of them. It certainly isn't 'too complicated' for us. It is just that we don't have the confidence to 'jump in' to an online environment. We have a good career and/or our...
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Planning for Retirement at 50 (Part 1)

Image by GraphicMama-team from Pixabay If you are over 50 and planning for your retirement or thinking about it, I hope you enjoy these lists. In this one I am deliberately being be controversial, in order to make you think and to trigger those emotions. It is meant to be a little tongue-in-cheek and it might raise an eyebrow or make you want to throw your phone at me. Enjoy! Top 5 Reasons Why Women Over 50 Should NOT Invest A Woman's Place is in the Kitchen.Ha! Now I have your attention. How crazy is this concept? I mean why the kitchen, what is wrong with the rest of the house? :)Investing is WAY too Complicated for a Woman to Understand.Well if you're anything like me, this will make you want to prove that statement wrong and be the best damn investor those men have ever seen!My Husband Controls the Finances and I don't Need to get Involved.Hell yeah, we all...
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Earn High Interest Returns with P2P

The Half Way Mark Image by Peggy und Marco Lachmann-Anke from Pixabay I am so glad I found P2P investing allowing me to earn high interest returns on a relatively small investment amount. I love learning new things and this has been so much fun. Watching the money going up and knowing that I am already half way to achieving my goal is amazing! Speculate to Accumulate This month I have added new platforms to my portfolio and I am excited to share this with you. Since starting this blog I have been approached by several companies. Some even offering funding to trial their platforms. However, after much research I selected two new ones to add to my portfolio. Reading comments by other investors in groups I'm now involved in I firstly chose to try out Wisefund and could not be happier. Their loans are mostly covered by a buy back guarantee (I only choose the ones that are). They offer higher than normal interest...
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Fully Funded

Over the month of August I invested funds in a total of FIVE platforms and have very little 'dead cash'. In fact to be precise I have a total across all platforms of 62.74 sitting doing nothing. This is only around 12.5 euros per site on average. I'm pretty happy with that! In It For the Money We don't do this for fun, we do it to earn money so just having my funds invested is not enough. I need to earn money too. And that is what is happening. As things currently stand I am averaging a whopping 13.93 %APR across the five platforms, this is just perfect and not even close to what I would have received on the high street. Brexit Bull I am not going to get political here. I have lived in the UK when we were not part of the EU and I have lived there when we were joined at the hip. Quite frankly I have no idea what will...
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Balancing Ethics

Image by Free-Photos from Pixabay There are several things people think when considering investing in Peer to Peer Lending Platforms (in my humble opinion) and they go like this: What? Oh yeah that sounds great where do I sign? That sounds a bit risky - let me do some more research. I'm not sure I want to be associated with that. Those of you that fall into Camps 1 or 2 will take the plunge at different times and enjoy the benefits. For those in Camp 3 things are a little more complicated. It often comes down to how much they need or want the money as to whether they can offset this against their conscience. It doesn't need to be like that. Are You In Denial? Image by Gerd Altmann from Pixabay I don't think anyone condones the level of interest some of these high street loans are able to extract from those that, if we're honest, can't go anywhere else to...
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Prospecting for Growth

Admission: I think I am slightly addicted to P2P lending. It is so much fun watching my money grow daily. I try not to look but, well... it is such a good feeling. Passive income! Not the millions some fancy entrepreneurs make but all the same it is so motivating; I am so glad I made the leap. Growing in Grupeer July was going to be a good month, I was feeling optimistic and continued my research of new platforms. The aim, of course, is to balance the levels of risk vs. return, ensuring I diversify and grow my investments. I added more funds to Grupeer and they continued to impress me. Their site is very user friendly, they offer a buy back guarantee on all their loans. Also their auto-invest activated almost instantly and invested pretty much the whole amount. I have less than 4 Euros in 'dead cash' and it is generating me a profit somewhere between 13 and 16%...
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