June 2021 is a thing of the past, and as projected last month – it was indeed an expensive month!
June is a major birthday month in my family (wife, mother and sister in law) and on top of that, I decided to purchase some new wheels for my wife’s car (2nd hand, of course! – But it still ran me €450) AND a new phone for myself (also 2nd hand, of course). So all in all June was a terrible month in terms of savings.
A small growth in the stock portfolio however helped lighten our mood slightly! 🙂
The month in review
As my main objective this summer is to bring down my leverage loan, I’m currently not really looking for new investments. Since June was an expensive month, I’m not doing so good on that front right now though! HAHA
Anyway, a little bit of savings is better than nothing. I was happy to see that at least my stocks are performing fairly well lately, which also reflects a lot in my pension portfolio. It’s certainly going in the right direction these days. It’s nice to see that even though I fail to reach my savings target, my portfolio still grows steadily. That’s the way it should be! 🙂
We’ll be on vacation for the most part of July (domestic though), so I hope July will see better savings than June!
The Pretty graphs
Our net worth is now approaching €700.000. That’s pretty cool 🙂
The boring income statement
| Platform | Invested | Transactions | Last month | Current value | Monthly income |
| Commodities | |||||
| GOLD (Coins) | € 5,333 | € 0 | € 5,500 | € 5,500 | |
| € 5,500 | € 5,500 | ||||
| Stocks (Dividend portfolio) | |||||
| Bank of Nova Scotia (BNS) | € 1,000 | € 0 | € 1,309 | € 1,303 | € 0 |
| PROREIT (PRV.UN) | € 2,018 | € 0 | € 3,910 | € 4,043 | € 17 |
| Shaw Communications (SJR) | € 2,000 | € 0 | € 3,071 | € 3,084 | € 7 |
| Toronto Dominion Bank | € 1,000 | € 0 | € 950 | € 954 | € 0 |
| TransAlta Renewables (RNW) | € 2,000 | € 0 | € 2,500 | € 2,709 | € 9 |
| € 11,740 | € 12,093 | € 33 | |||
| Stocks (Indices) | |||||
| iShares Global Clean Energy (IQQH) | € 6,667 | € 7,012 | € 7,194 | € 0 | |
| iShares MSCI World Min Volatility (IQQ0) | € 6,667 | € 6,729 | € 7,009 | € 0 | |
| € 13,741 | € 14,203 | € 0 | |||
| Properties | |||||
| The-Many (Brickshare) | € 15,999 | € 0 | € 16,034 | € 16,034 | € 0 |
| Property #1 | € 68,667 | € 0 | € 68,667 | € 68,667 | € 0 |
| Fundbricks | € 1,333 | € 0 | € 1,333 | € 1,333 | € 0 |
| € 86,034 | € 86,034 | € 0 | |||
| Cash | |||||
| Bank #1 cash (main savings) | € 533 | -€ 4,000 | -€ 3,467 | ||
| Bank #2 Opportunity money | € 0 | 0 | |||
| Broker account (CAD, EUR, DKK) | € 33 | € 216 | € 249 | ||
| -€ 3,784 | -€ 3,218 | ||||
| Total balance | € 113,231 | € 114,612 |
The Classic Growth Chart
As always, I include the Classic growth chart for tracking purpose.
The graph format doesn’t really support these low-income/low savings months 😛 (This is intentional! it’s supposed to discourage me from having them! HAHA). For now I think it’s ok, but I’m preparing a complete revamp of the classic growth chart. I might need to split the Total Balance progress and the income/savings in two graphs to make it more clear what’s going on…But for now you’ll have to live with this one 🙂
In conclusion (TL;DR)
A little goes a long way, and the portfolio growth did not break any records this month.
I had to spend money on gifts for the family and on top of that also decided to buy a little “luxury” and splurged on a new (2nd hand) phone for myself and new wheels for my wife’s car (it’s 7 years old and needed new “footwear”).
Average passive income this month, and thus the classic growth chart is looking pretty awful this month. I hope next month will look a tad better! 🙂 We’ll be on vacation for most of July (domestic), so you probably won’t here from me again until sometime in August.
I hope you all have a great summer!
Cheerio!