Welcome to My Crowdlending!

And thank you for your visit. In this personal blog, I will be documenting my journey to financial independence by investing in crowdlending and crowdfunding platforms. What are crowdlending and crowdfunding and why are they an excellent source of passive income? Keep on reading!

Motivation: Why I began investing in crowdlending and crowdfunding

Tired of leaving my money sleeping in the bank, in August 2018 I began exploring alternative investments to get some decent returns. I wanted a perfect balance between risk and returns, and I discovered crowdlending platforms and, shortly later,  crowdfunding platforms. Don’t you know what crowdlending and crowdfunding are? I explain it here.

Financial Freedom investing in Crowdlending and crowdfunding

Like any other investment option, crowdlending and crowdfunding have an inherent risk. Obviously, it is safer to leave your money in a bank deposit. The bad news is that nowadays bank deposits interest rates are just ridiculous. In the European Union, current bank deposits interest range from 0.25% to 1.5%, depending on the country, the amount of money, and the duration of the deposit. In fact, because of inflation, if you decide not to make any kind of investment, you will be losing money. Do yourself a favor and begin to invest!

As an example, I had € 100,000 in bank deposit at 0,40% for 13 months, and I was getting the ridiculous amount of 33€/month. For € 100,000! Insane.

Passive Income

Since I don’t have much free time, another of my requirements while looking for an investment alternative was that it didn’t require much time. Ideally, I wanted something that was a really passive way of income. That is passive income: a regular monthly income that you earn doing (almost) nothing. More or less like a bank deposit, but with a little bit of risk and a lot more of return. Here, you can find a complete Wikipedia explanation of passive income.

This Blog

At the end of 2018, I decided it would be a good idea to document my progress to financial independence by writing a personal blog. In the beginning, I was a little bit reluctant to invest in crowdlending and crowdfunding. They are quite new, and most platforms are located far away in the Baltic Republics. I had to read a lot of news, reviews, and blogs, as well as doing some deep research before I dare to make my first deposit. I would like to share all the experience I’ve gained in the last months, in order to help other people to make their money grow.

Please feel free to explore my blog. You will find reviews of my favorite crowdlending and crowdfunding platforms, blog entries explaining my progress in this journey to financial independence, and also a detailed view of my current investment portfolio in all platform. I hope you find it useful and may you decide to pursue your financial independence as well.


Please keep in mind that this is a personal blog. I don’t give financial advice, nor make any recommendation for you to invest in any crowdlending or crowdfunding platform. It’s just my personal experience with them, and it is just for information purposes and should not be considered advice to invest. If in doubt about whether investing in P2P lending/crowdlending platforms is suitable for you, always seek expert independent financial advice.

Finally, you will see some of my posts may contain affiliate links, but all my opinions are 100% honest and unbiased.  

My progress towards financial independence using Crowdlending and Crowdfunding

In the following progress bars you will find, month by month, how much passive income have I earned since I started this blog. Every bar represents how close I am to my goals. Stay tuned!

Beginning July 2019, my new goal is earning €1,000/month in passive income from crowdlending and crowdfunding. This is my progress so far:
February 2020
€ 450.60 45.06%
January 2020
€ 457.64 45.76%
December 2019
€ 733.73 73.37%
November 2019
€ 588.10 58.81%
October 2019
€ 562.12 56.21%
September 2019
€ 593.22 59.32%
August 2019
€ 729.02 72.9%
July 2019
€ 517.34 51.73%

Second goal: € 1,000/month



Update: In July 2019 I got my first goal!

My first goal was to earn € 500/month in passive income from crowdlending and crowdfunding. It took me seven months to achieve it. In July 2019 I doubled my goal!
June 2019
€ 491,30 98.26%
May 2019
€ 390,82 78.16%
April 2019
€ 324.73 64.94%
March 2019
€ 215.13 46.23%
February 2019
€131.31 26.26%
January 2019
€ 77.07 15.4%

First goal: € 500/month

Latest posts

Portfolio Update: an interesting February 2020

Welcome, MyCrowdlenders! The second month of the year is over, and it’s time for a new review of my crowdlending and crowdfunding investments. As I told you in previous updates of my portfolio, I decided to rebalance my investments among the different platforms to lower the risk. Let’s see what changes I’ve made! Crowdfunding and Crowdlending Portfolio: Month Overview Below you can find the chart showing the evolution of my … Read More

Portfolio Update: January 2020

Welcome, MyCrowdlenders! As everyone might know by now, the year has begun with the vanishing of two crowdlending platforms, that have convulsed the European P2P market. Kuetzal and Envestio just disappeared and, allegedly, the money of its investors disappeared with them. The estimated figures are 8 million EUR for Kuetzal and 31 million EUR for Envestio. Estonian police made the following announcement on 31st January, stating they are conducting two … Read More

Portfolio Update: November and December 2019

Welcome, MyCrowdlenders! First of all, let me wish you a fantastic 2020! I hope this new year brings happiness, good investment decisions in crowdlending and crowdfunding, and great profits to us all! Are you ready for a new portfolio update? The end of 2019 has been really busy for me: too much work and very little time. That’s why I wasn’t able to publish a portfolio update for November. But … Read More

Portfolio Update: My money works for me also in October 2019

Welcome, MyCrowdlenders! A new update of my crowdlending and crowdfunding portfolio is out, and I must say this month you will find both lights and shadows… Although the overall performance is, without any doubt, on the right track and my money keeps growing month after month, some platforms are having poorer performance than expected. Crowdestate, Mintos and Reinvest24 are the black sheep this month. Fortunately, the excellent performance of all … Read More

Portfolio Update: A formidable August 2019

 Welcome, MyCrowdlenders! Although technically it’s still summer 🏖️, my holidays are over and I’m back to my 9-to-5 job 😢. This implies summer is over for me. What’s more, even though the temperature is boiling in Barcelona, it has been mostly cloudy these last 2 weeks, so the days are not even suitable for the beach (I need blue skies for that!). Conclusion: I’m completely ready for the autumn to … Read More

Portfolio Update: An incredible July 2019

Welcome, MyCrowdlenders! It’s summertime 🏖️, everybody is enjoying their holidays 🌊 at the beach 🏝️ or doing some sport 🚵‍♀️ 🏄‍♀️, or maybe traveling the world 🌍✈️. So nobody is at work, and my passive income, well… my passive income has been coming this July as well! 💶 And it’s greater than ever before 📈. My crowdlending and crowdfunding returns have been €517.34, which represents an increase of 5.30% compared to June 2019. Therefore, in … Read More

Portfolio Update: A breathtaking June 2019

Welcome, MyCrowdlenders! And here we are! Finally, the summer has arrived in Barcelona with asphyxiating temperatures and spectacular sun 🌞. Luckily we have a fabulous beach 🏖️🌊 to cool off while passive income continues to grow. June has been a record milestone in my crowdlending and crowdfunding profits: my passive income has been €491.30, which represents an increase of 25.71% compared to May 2019. Thus, in June 2019 I’ve reached 98.26% of my … Read More

Portfolio Update: An astounding May 2019

Welcome, MyCrowdlenders! Finally, June has arrived and brought the bright sun to Barcelona, after a lot of rainy days in May. Really? Am I living in Barcelona or Brussels? 🤨 Lately, I’m a bit confused with the weather, I must admit. Anyway, it’s time for a new update to my crowdlending and crowdfunding portfolio. Another month of excellent results:  my passive income has been €390.82, which makes an increase of  20.35% compared … Read More

Portfolio Update: An astonishing April 2019

Welcome, MyCrowdlenders! Here comes May with rain, wind, but also with lots of sun and flowers everywhere, and it’s time for a new update of my crowdfunding and crowdlending portfolio. The results have been nothing but excellent. I have got a passive income of €324.73, WOW! It’s 50.94% more than what I received in March 2019. Thus, in April 2019 I’ve reached 64.94% of my first goal of €500 per month. Definitively I’ll … Read More