{"id":7612,"date":"2020-06-15T08:00:00","date_gmt":"2020-06-15T08:00:00","guid":{"rendered":"https:\/\/savingsforfreedom.com\/?p=7612"},"modified":"2020-07-18T22:15:37","modified_gmt":"2020-07-18T22:15:37","slug":"better-than-before-an-honest-look-at-my-blogger-path-for-financial-maturity","status":"publish","type":"post","link":"https:\/\/savingsforfreedom.com\/blog\/2020\/06\/15\/better-than-before-an-honest-look-at-my-blogger-path-for-financial-maturity\/","title":{"rendered":"Better Than Before &#8211; An honest look at my blogger path for financial maturity"},"content":{"rendered":"\n<p>After a long silence, I&#8217;m finally back writing and sharing my thoughts with you. Apologies, but the last 5 months have been quite an experience. For all of us&#8230;<\/p>\n\n\n\n<p>As you probably remember, at the beginning of the year, I established 4 personal objectives building on top of my positive 2019 P2P lending experience:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Objective 1 &#8211; Reduce and rebalance my P2P crowdinvesting portfolio<\/li><li>Objective 2 &#8211; Explore new investment options<\/li><li>Objective 3 &#8211; Start a new business<\/li><li>Objective 4 &#8211; Improve the Savings4Freedom blog design, contents quality, and value<\/li><\/ul>\n\n\n\n<p>Since then, everything changed. P2P platform scams destroyed my portfolio and P2P investment strategy, followed by COVID-19 adding pressure to my professional life. I was only able to work a fraction of the time I would need to execute my vision of what the blog should be&#8230; but I realized that this is a work in progress, and I hope you like the direction the blog is moving towards.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><a href=index-310.html target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1656\" height=\"630\" data-attachment-id=\"6969\" data-permalink=\"https:\/\/savingsforfreedom.com\/p2p-investments-history\/n26-the-mobile-bank\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/03\/N26-The-Mobile-Bank.png?fit=1656%2C630&amp;ssl=1\" data-orig-size=\"1656,630\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"N26-The-Mobile-Bank\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/03\/N26-The-Mobile-Bank.png?fit=300%2C114&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/03\/N26-The-Mobile-Bank.png?fit=1024%2C390&amp;ssl=1\" src=n26-the-mobile-bank205b.html alt=\"N26 The Mobile Bank @ Savings4Freedom\" class=\"wp-image-6969\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/03\/N26-The-Mobile-Bank.png?w=1656&amp;ssl=1 1656w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/03\/N26-The-Mobile-Bank.png?resize=300%2C114&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/03\/N26-The-Mobile-Bank.png?resize=1024%2C390&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/03\/N26-The-Mobile-Bank.png?resize=768%2C292&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/03\/N26-The-Mobile-Bank.png?resize=1536%2C584&amp;ssl=1 1536w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/03\/N26-The-Mobile-Bank.png?resize=380%2C145&amp;ssl=1 380w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/03\/N26-The-Mobile-Bank.png?resize=800%2C304&amp;ssl=1 800w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/03\/N26-The-Mobile-Bank.png?resize=1160%2C441&amp;ssl=1 1160w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/a><\/figure><\/div>\n\n\n\n<h2 id=\"objective-1-reduce-and-rebalance\" class=\"wp-block-heading\">Objective 1 &#8211; Reduce and Rebalance<\/h2>\n\n\n\n<p>Kuetzal and Envestio are scams&#8230; Monethera and Grupeer are also facing judicial initiatives from investors (I joined all of them). Other P2P platforms are full of warning signs&#8230; and I&#8217;m stuck. The honest assessment is that all these scams did the &#8220;reduce and rebalance&#8221; of my portfolio even if in the worst possible outcome for me. The reality is painful. I lost all gains since starting my P2P investments and you can see that on <strong><a href=index-665.html target=\"_blank\" rel=\"noreferrer noopener\">my P2P portfolio<\/a><\/strong>. My greed destroyed my P2P investment strategy and returns. <\/p>\n\n\n\n<p class=\"has-text-align-center\">\n<script type=\"text\/javascript\">if(typeof(wpDataCharts)=='undefined'){wpDataCharts = {};}; wpDataCharts[6] = {render_data: {\"options\":{\"data\":{\"labels\":[],\"datasets\":[{\"label\":\"Total Assets (\\u20ac)\",\"orig_header\":\"Total Assets (\\u20ac)\",\"backgroundColor\":\"rgba(250,225,147,0.2)\",\"borderColor\":\"#fae193\",\"borderWidth\":1,\"data\":[],\"lineTension\":0.4,\"fill\":true}]},\"options\":{\"maintainAspectRatio\":true,\"scales\":{\"xAxes\":[{\"scaleLabel\":{\"display\":true,\"labelString\":\"\"}}],\"yAxes\":[{\"scaleLabel\":{\"display\":true,\"labelString\":\"\"},\"ticks\":{\"beginAtZero\":false}}]},\"title\":{\"display\":true,\"text\":\"S4F Monthly Assets Value Evolution\",\"position\":\"top\",\"fontFamily\":\"Lato\",\"fontStyle\":\"bold\",\"fontColor\":\"#666\"},\"tooltips\":{\"enabled\":true,\"mode\":\"single\",\"backgroundColor\":\"rgba(0,0,0,1)\",\"cornerRadius\":3},\"legend\":{\"display\":false,\"position\":\"top\"}},\"globalOptions\":{\"defaultFontSize\":\"\",\"defaultFontFamily\":\"Lato\",\"defaultFontStyle\":\"bold\",\"defaultFontColor\":\"rgb(0,0,0)\"}},\"configurations\":{\"type\":\"chartjs_stacked_area_chart\",\"container\":{\"height\":\"400\",\"width\":0},\"canvas\":{\"backgroundColor\":\"\",\"borderWidth\":\"0\",\"borderColor\":\"\",\"borderRadius\":\"0\"}}}, engine: \"chartjs\", type: \"chartjs_stacked_area_chart\", title: \"S4F Monthly Assets Value Evolution\", container: \"wpDataChart_6\", follow_filtering: 0, wpdatatable_id: 12, group_chart: 0}<\/script>\n\n    <div id=\"chartJSContainer_6\">\n        <canvas id=\"chartJSCanvas_6\"><\/canvas>\n    <\/div>\n\n\n\n\n<p>I marked my losses and facing these facts, the only answer was to reevaluate all my writings taking into consideration what I experienced. All my mistakes will remain visible for all to see in the old blog, but I simply needed to do something to regain control over what just happened, and the new blog was my answer.<\/p>\n\n\n\n<p>Check <a href=\"https:\/\/savingsforfreedom.com\/blog\/2020\/01\/06\/7-lessons-to-protect-yourself-from-p2p-scams\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>7 Lessons to Protect Yourself From P2P Scams<\/strong><\/a>. I know, it&#8217;s quite ironic for me to write about the topic, but it&#8217;s my simple way to organize notes on what went bad&#8230;<\/p>\n\n\n\n<h2 id=\"objective-2-new-investments\" class=\"wp-block-heading\">Objective 2 &#8211; New Investments<\/h2>\n\n\n\n<p>COVID-19 was a critical moment for me to invest in some other asset classes. I was able to buy stocks and bonds at a lower cost than what I was expecting when I wrote the objective. I don&#8217;t make those visible on the blog for two main reasons: <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>I don&#8217;t have the time for now to describe as I should why and how I purchased these assets; <\/li><li>There is no value on the particular stock or bond, since everything changed in a very short window of time.<\/li><\/ul>\n\n\n\n<p>However, in the future and when time allows, I will start writing about other investment assets in the blog.<\/p>\n\n\n\n<h2 id=\"objective-3-a-new-business\" class=\"wp-block-heading\">Objective 3 &#8211; A New Business<\/h2>\n\n\n\n<p>As probably some of you are aware, my wife is a pet-sitter at&nbsp;<strong><a href=\"https:\/\/www.facebook.com\/4EveryPet\/\" target=\"_blank\" rel=\"noreferrer noopener\">4EveryPet<\/a><\/strong>.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=\"https:\/\/www.facebook.com\/4EveryPet\/\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1120\" height=\"656\" data-attachment-id=\"6148\" data-permalink=\"https:\/\/savingsforfreedom.com\/blog\/2020\/01\/07\/savings4freedom-december-2019-portfolio-update\/202001_goals_4everypet\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/202001_Goals_4EveryPet.jpg?fit=1120%2C656&amp;ssl=1\" data-orig-size=\"1120,656\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;Picasa&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1565177943&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"202001_Goals_4EveryPet\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/202001_Goals_4EveryPet.jpg?fit=300%2C176&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/202001_Goals_4EveryPet.jpg?fit=1024%2C600&amp;ssl=1\" src=\"https:\/\/i2.wp.com\/savings4freedom.com\/wp-content\/uploads\/2020\/01\/202001_Goals_4EveryPet.jpg?fit=700%2C410&amp;ssl=1\" alt=\"4EveryPet @ Savings4Freedom\" class=\"wp-image-6148\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/202001_Goals_4EveryPet.jpg?w=1120&amp;ssl=1 1120w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/202001_Goals_4EveryPet.jpg?resize=300%2C176&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/202001_Goals_4EveryPet.jpg?resize=1024%2C600&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/202001_Goals_4EveryPet.jpg?resize=768%2C450&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/202001_Goals_4EveryPet.jpg?resize=772%2C452&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/202001_Goals_4EveryPet.jpg?resize=624%2C365&amp;ssl=1 624w\" sizes=\"auto, (max-width: 1120px) 100vw, 1120px\" \/><\/a><\/figure><\/div>\n\n\n\n<p>There are no funds, after what happened with my P2P investments, but the goals to build a digital business based on this particular niche market is going forward at baby steps. My family is doing the best to turn this idea into reality as soon as possible.<\/p>\n\n\n\n<h2 id=\"objective-4-a-new-blog\" class=\"wp-block-heading\">Objective 4 &#8211; A New Blog<\/h2>\n\n\n\n<p>I was not happy with my blog. And the feedback from readers was very productive to help me define what the blog should become. This blog works for me as a powerful motivational tool. It keeps me focused to report my findings, share my opinions and results\/losses every single month. But the most interesting aspect was the opening of conversations and network opportunities with fellow investors that face the same problems and search for the most reliable solutions.<\/p>\n\n\n\n<p>The overall objectives with the new blog are better design, content quality, and value for readers.<\/p>\n\n\n\n<p>If you want to start exploring, I suggest that you start on <strong><a href=\"https:\/\/savingsforfreedom.com\/what-is-p2p-crowdlending\/\" target=\"_blank\" rel=\"noreferrer noopener\">My Introduction to P2P Investing<\/a><\/strong>. I hope you like and welcome all constructive criticism.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><a href=\"https:\/\/macpaw.audw.net\/LBJ2Y\" target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"360\" data-attachment-id=\"7532\" data-permalink=\"https:\/\/savingsforfreedom.com\/all-p2p-lending-platforms-money-bonus-and-cashback-offers-available-now\/macpaw-offers\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/06\/MacPaw-Offers.png?fit=1080%2C380&amp;ssl=1\" data-orig-size=\"1080,380\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"MacPaw Offers\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/06\/MacPaw-Offers.png?fit=300%2C106&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/06\/MacPaw-Offers.png?fit=1024%2C360&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/06\/MacPaw-Offers.png?resize=1024%2C360&#038;ssl=1\" alt=\"CleanMyMac Gemini CleanMyPC Wallpaper Wizard @ Savings4Freedom\" class=\"wp-image-7532\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/06\/MacPaw-Offers.png?resize=1024%2C360&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/06\/MacPaw-Offers.png?resize=300%2C106&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/06\/MacPaw-Offers.png?resize=768%2C270&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/06\/MacPaw-Offers.png?resize=380%2C134&amp;ssl=1 380w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/06\/MacPaw-Offers.png?resize=800%2C281&amp;ssl=1 800w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/06\/MacPaw-Offers.png?w=1080&amp;ssl=1 1080w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure><\/div>\n\n\n\n<p>Please feel free to explore the blog, subscribe to the newsletter (if you did it on the old blog, please do it again in the new, for privacy reasons) and share your opinion with me on the results either on <strong><a href=\"https:\/\/facebook.com\/SavingsForFreedom\" target=\"_blank\" rel=\"noreferrer noopener\">Facebook<\/a><\/strong>, <strong><a href=\"https:\/\/twitter.com\/Savings_Freedom\" target=\"_blank\" rel=\"noreferrer noopener\">Twitter<\/a><\/strong>, <a href=\"https:\/\/t.me\/SavingsForFreedom\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Telegram<\/strong><\/a> or <strong><a href=\"https:\/\/chat.whatsapp.com\/Jnyn75JpKjZJB30LPyrDVM\" target=\"_blank\" rel=\"noreferrer noopener\">WhatsApp<\/a><\/strong>.<\/p>\n\n\n\n<p>To a new beginning!<\/p>\n\n\n\n<p><\/p>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1595110533889\"\/>\n\n\n\n<p>Do you what to receive updates on new publications? Check SavingsForFreedom on <strong><a href=\"https:\/\/t.me\/SavingsForFreedom\" target=\"_blank\" rel=\"noreferrer noopener\">Telegram<\/a><\/strong> and <strong><a href=\"https:\/\/chat.whatsapp.com\/Jnyn75JpKjZJB30LPyrDVM\" target=\"_blank\" rel=\"noreferrer noopener\">WhatsApp<\/a><\/strong>, or follow the blog in the links below! Thank you!<\/p>\n\n\n\n<ul class=\"wp-block-social-links aligncenter is-layout-flex wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-twitter  wp-block-social-link\"><a href=\"https:\/\/twitter.com\/Savings_Freedom\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M22.23,5.924c-0.736,0.326-1.527,0.547-2.357,0.646c0.847-0.508,1.498-1.312,1.804-2.27 c-0.793,0.47-1.671,0.812-2.606,0.996C18.324,4.498,17.257,4,16.077,4c-2.266,0-4.103,1.837-4.103,4.103 c0,0.322,0.036,0.635,0.106,0.935C8.67,8.867,5.647,7.234,3.623,4.751C3.27,5.357,3.067,6.062,3.067,6.814 c0,1.424,0.724,2.679,1.825,3.415c-0.673-0.021-1.305-0.206-1.859-0.513c0,0.017,0,0.034,0,0.052c0,1.988,1.414,3.647,3.292,4.023 c-0.344,0.094-0.707,0.144-1.081,0.144c-0.264,0-0.521-0.026-0.772-0.074c0.522,1.63,2.038,2.816,3.833,2.85 c-1.404,1.1-3.174,1.756-5.096,1.756c-0.331,0-0.658-0.019-0.979-0.057c1.816,1.164,3.973,1.843,6.29,1.843 c7.547,0,11.675-6.252,11.675-11.675c0-0.178-0.004-0.355-0.012-0.531C20.985,7.47,21.68,6.747,22.23,5.924z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Twitter<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-facebook  wp-block-social-link\"><a href=\"https:\/\/www.facebook.com\/SavingsForFreedom\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 2C6.5 2 2 6.5 2 12c0 5 3.7 9.1 8.4 9.9v-7H7.9V12h2.5V9.8c0-2.5 1.5-3.9 3.8-3.9 1.1 0 2.2.2 2.2.2v2.5h-1.3c-1.2 0-1.6.8-1.6 1.6V12h2.8l-.4 2.9h-2.3v7C18.3 21.1 22 17 22 12c0-5.5-4.5-10-10-10z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Facebook<\/span><\/a><\/li>\n\n<li class=\"wp-social-link 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