Maybe a bit more of a lifestyle post, but it does link slightly to the budget part of personal finance.

I am a bit of a hoarder. I tend to collect things and I have a hard time letting them go. This also tends to include things which have lost their usefulness.

So I decided to go through my closet and look at what I have, what I am missing and what (for the love of God) I should get rid of. This is important for several reasons...

First of all, if you are a hoarder like me I think it is important to take the time at least once a year to go through all your clothes and look at them closely.
Is it still in good condition? Yes? Great! Does it need mending, does it have stains etc? If so, will you take the time to correct these problems? Great! Or is it likely it will still need mending in a month or two? If so, it should be thrown out. You can also test it by collecting all these items to a selected place and give yourself for example 30 days to mend them. The ones not mended by the deadline, need to go.
I do feel it can be OK do keep one rather worn out favorite jumper to be worn just around the house or maybe one old pair of stained jeans which are great for gardening, painting a room etc (where ruining the next pair is likely to happen). But really, why did I have 5 pairs of old worn out jeans in my closet? 4 of those MUST go! So I had a hard look at my closet and throw out quite some things where I had no real idea, why I had been keeping these.

Also on the clothes which are in good condition- do they still fit you and do you wear them? It is appropriate to this season, and you have not worn it yet? Make a plan for the next few weeks to wear all the things you have not worn in a long time, to see if you still love them. Maybe it itches, or the hem tends to ride up when you walk or is actually a bit too tight/loose etc. Then get rid of it- if it is in good condition you can sell it and make some money in the process. Testing the weather appropriate clothes is a good thing to be done once every season. I plan to test my winter clothes in next weeks, I will see how it goes.

It was also a good time to reorganize my closet again, as wearing things means they are not always put back in the right place and this, in the end, means I forget about it and will not wear it. For example, if I want to wear a cardigan and look at where my cardigans are folded, I will not see the one I have absent-mindedly hung on a hanger next to my blouses and shirts...

So to sum up:
1) Clear out broken things;
2) Test the things not worn a long time;
3) Reorganize

And why do I feel that the end of a year is a great time to do all of this? Well, it might end up that you realize you actually are missing something you wardrobe really needs. And after the holiday madness, the shops tend to do sales, as they need to draw in the customers somehow. And maybe you received some gift cards for holidays you should use up, and the best thing is to use them up for a thing you actually need, not on an impulse purchase. So, I think it is a great time to plan these purchases to January.

What do I need?
I work in a quite casual office but from time to time, I need to dress more formally, so I, for example, need to look for a new pair of dress pants, and also a warmer weather suit jacket/blazer. The jacket will be really hard as my body shape means I almost never find things suited for me... But at least I can look for it.
As I mentioned in my last monthly update, the end of November and beginning of December was largely spent abroad and this is also why the last month update comes so late. But better late than never, right?!

November went by really fast, but was it also profitable?

So from the deposit side of things, being away and unable to spend due to horrible workload is a good thing, I guess. For example, while in France I had lunch twice and dinner once during the whole week. The days were so packed full of meetings that I just had no time for more. Not healthy, but great savings as otherwise I would have had to eat out all these meals.

Deposits were 800 € and this divided between portals as follows:
Mintos 50
CrowdEstate 250
LHV Growth Account 300
Envestio (a new portal) 200

Income was about average, no big surprises (well one bad one, CrowdEstate).

EstateGuru 36,91
Mintos 31,58
CrowdEstate 11,27
Envestio 5
Grupeer 3,08
Bandora 0,18

All together 88,02€ or mathematically 2,93 € a day, which is a bit below the average.

So in general EstateGuru which pays unevenly due to being linked to when the project's end, had the best month of a year for me. Mintos has been quite stable, but as the interest rate has gone down, the interest received has gone down a bit as well. CrowdEstate has otherwise been spot on, but the MMMSprattus OÜ has been late more than a month with payments (from the end of October). It seems they expected to pay up using a state subsidy which they did not end up getting (or have not got yet). So hoping for a resolution on this project. All others have paid on time, so happy with those.
All others were small payments, the Envestio which I just started within November paid the new client signup bonus, which you get if you use an user-link to sign up and transfer also some money to the account.

The portfolio value was 18857,55 € on 30.11.2018. This the second month in a row where the general value is lower than expected based on the deposits. The stock market has gone down a bit again, and my LHV Growth Account showed that I was down almost 10 % in the value (based on the purchase value), as I am writing it almost 3 weeks later, the drop is almost 11% at the moment. So a great time to buy more :)

So this was November. In a week it is time to look at the December stats and then also draw conclusions for the whole year, and of course, set some new goals. Can't wait to see the final stats of the year.