Dividend portfolio update – Tops and Buttons are for Fools and Liers..

Aarh finally a bit of computer alone time. 💻 What a great opportunity to update my dividend portfolio overview with the latest additions and developments. 💰🤔💰 Since the last update, I have actually done two additions. ✅ First, I purchased 100 shares in the danish farmaceutical company Novo Nordisk. ✅ Second, I purchased 100 shares … Continue reading Dividend portfolio update – Tops and Buttons are for Fools and Liers..

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High asset prices and the effect on our kids?

Who would have thought that being benched for 3 1/2 hour on an airplane seat would lead to a minimalistic/financial independent blog post. Nonetheless that is what happened yesterday. I was in the middle seat, with my oldest on the right and middle one on the left. It got pretty boring, so at one point … Continue reading High asset prices and the effect on our kids?

The negative side effects of having debt

If you are a regular follower of this blog, then you will know that I have just spent a week vacating with the in-laws in beautiful Cyprus. You can read more on that here. So what is the most natural thing to do when you are on vacating ... well thinking 🤔 off course. I … Continue reading The negative side effects of having debt

How to stay the course towards financial independence…

To consume or not to consume, that is the question. If you, like the author of this blog, is pursuing a route towards financial independence, the answer to the question will increasingly be not to consume. How low you can bring your monthly expenses down will be very individualistic, and how much is left when … Continue reading How to stay the course towards financial independence…

How to escape the rat race…

There is no getting around it, the very reason some of us devote our life to a FIRE way of life is the ultimate Financial Independence part, so that we have the option to Retire Early. The Financial Independence part is basically driven be capital income as opposed to labour income. So the goal is … Continue reading How to escape the rat race…

Reflections on Dividend yields vs. capital gains.

Choices, choices...choices They are everywhere, at every time, ever present. They are present in our daily lives, at work, at home, everywhere. We are constantly bombarded with choices in every aspect of life. Choices that require our attention, decision making and ultimately - A Decision. That is, unless you deliberately ignore them. See that is … Continue reading Reflections on Dividend yields vs. capital gains.

Save us Ogier…

So the ECB lowered their interest rate today, in a move that saw the interest level drop to a staggering -0.5% ...(yes that is a minus sign). Shortly after, the head of the national bank of denmark followed up, with a move down in the danish lending rate to -0.75. (Again, yes a minus sign). … Continue reading Save us Ogier…

How I am building my DGI portfolio – Update #2

If you have been following this blog on a recurrent basis you will have learned by now, that I am actively trying to pursue a financial independence strategy. I did my first post on my portfolio of listed and unlisted shareholdings some time back, which you can find here; How my DGI portfolio performed in … Continue reading How I am building my DGI portfolio – Update #2

The F*ck you account – net worth update #2.

Once in a while you have to remind yourself why you are doing what you are doing. Why have I insisted in trimming down our fixed and variable cost in our household, why are we targeting a 50% savings rate, why are we actively plowing all of our proceeds into active investments. Why are we … Continue reading The F*ck you account – net worth update #2.

The death of animal spirit

It's a big world out there, and currently we are not anywhere near normal economic circumstances. Every day that goes by, and I keep reading more and more extreme economic and financial stories. Lately read, that the 100 year Austrian bond that was recently issued had gone parabolic, due to the ever falling interest level. … Continue reading The death of animal spirit

Car considerations – I so want that Tesla …

Back from vacation and I can't help thinking about the one topic we have been debating a bit in our small Minimal5 family. The car 🚗 situation. A bit of background information for all of you new comers to the Minimal5 blog; we have a Citroen grand C4 Picasso, with the smallest gasoline engine - … Continue reading Car considerations – I so want that Tesla …

We sold our balcony – I know – weird?

Don't worry, we don't have a homeless guy living on our balcony now or anything, but this story is kind of a weird one. It does involve money though, which by some completely random events have found its way back into my wallet. Which is why I will be writing about it. Because hey, any … Continue reading We sold our balcony – I know – weird?

Saving for the next generation – why and how much?

I am not out of a wealthy family. So no inherited capital here, as Mr. Thomas Piketty concludes is the easiest way to a worry free financial life in the 21st century. No money at all, or lots of money, we cannot escape the topic of how we go about teaching our kids about wealth, … Continue reading Saving for the next generation – why and how much?

My 19 steps to sanitize the family budget.

Actively pursuing a financially independent lifestyle will require you to understand your financial situation in detail. You need to understand your personal balance sheet and financial net worth. I have written a blog post about that here; Family Net Worth Update #1. Additionally you will need to understand your income statement, and especially the cost … Continue reading My 19 steps to sanitize the family budget.

How my DGI portfolio performed in 2019

Earning season is coming to an end in Denmark. Most companies in Denmark only pay out dividends once a year in combination with the publication of the annual reports and the general assembly. Hence most dividends will be arriving at investors accounts between March and May. This means it is time for a summary of … Continue reading How my DGI portfolio performed in 2019

2 months of blogging – status Updated

As May turns to June, it is once more time for a blogging update in order to evaluate progress towards that utopian status as a Global Minimalistic Influencer. One thing that happened early in the second month of blogging, was an e-mail from WordPress, informing of my first 100 Likes. Almost simultaneously the word from … Continue reading 2 months of blogging – status Updated

Family Net Worth Update #1

Finally found the time to sit down and do a proper calculation of the net worth. I will be aiming to update it monthly going forward in order to properly track the progress of this financial independence barometer. It's actually quite a healthy exercise, to be so specific about your own personal net worth, and … Continue reading Family Net Worth Update #1

How I ended up with my first real estate investment

Following the various debate and posts on financial independence - early retirement here in Denmark, there is a lot of focus on real estate investments. I am a strong believer in real estate in any dividend portfolio, and I have been thinking/dreaming/planning my own journey into real estate for years. I have always known/wished that … Continue reading How I ended up with my first real estate investment

How I made 1$ blogging

Passive income - the holy grail of F.IR.E. Lean back, kick your feet up, and enjoy that steady stream of income hitting your PayPal account while zipping Pina Coladas at the pool bar. Sounds intriguing right. Well, news flash - get ready to work hard for that steady stream of income. Admitted, I could have … Continue reading How I made 1$ blogging

How to invest in German windfarms

Solar power, wind farms, I love thee. If you are a regular follower of this blog , you will know that I am a current investor in two photovoltaic solar power projects. Sensible investments in renewable energy So naturally I am also very interested in investing in wind power. How? Why? What? You ask! Ask … Continue reading How to invest in German windfarms