In November we finally got the contract selling our Rental apartment! We diminished our actives but also our passive! We’ve also decided to increase our exposure to P2P increasing 2k more in Monethera.

Things seem to go in a good direction and we now sit in a pile of cash. To be honest the biggest amount we’ve ever own. Which means we will sit on it until we are confortable with the amount and only then apply it.

Summary:

Our Networth value for November is 395 409.02€ (+7 671.32)

Hightights of November:

• Increased exposure to Monethera (+2k). Monethera seems like a pretty solid platform. Easy to use, good transparency on the companies and the projects are still getting in. In this uncertainty market its better to invest in P2P which have an actual business behind. If you would to invest, use my link win 5€ and 0.5% cashback.
• Got the final values of the rental apartment selling (+91k).

Assets:

Investment accounts

• ETFs Portfolio: 22 922.57 € (-117.14)
• Retirement Accounts (aka PPR): 13 945.28 € (+456.33)
• Certificates Deposit + Emergency Fund: 119 921.57 € (+91 053.09)
• P2P Portfolio: 17 742.68 € (+2 150.65)
• Total Investment accounts: 179 536.60 € (+93 542.93)

Real Estate (Based on Market Values)

• Primary Residency: 300 000 €
• Rental property: 254 378.75 €
• Farms: 70 000 €
• Total Real Estate: 370 000€ (Remover Rental property)

Cars

• Mr.Firecracker Car: 20 000 €
• Mrs.Firecracker Car: 18 000 €
• Scooter: 1 500 €
• Total Cars: 39 500€ (=)

Total Assets: 589 036.60 € (-160 835.82)

Liabilities:

• Primary Residency: 193 627.58 € (-334.54)
• Farm: 0 € – Fully paid. Was in the same credit aggrement has the apartment. (– 168 172.60)

Total Liabilities: 193 627.58 € (-168 507.14)

Our Networth drilldown looks like this:

You can follow our Networth status always here