September 2021 Liquid Net Worth and Income Update – Surprise While Traveling

Liquid Net Worth Increased to $386,523 by Oct 1st, 2021

Hello Friends! I am really excited to be back. I know that I might have failed some of you, my great readers, by kind of disappearing for 2 months but those of you who follow me on Twitter or read my July report are aware of the reason.

I am still abroad traveling but I promised myself to publish this post today so after getting 3 hours sleep, I woke up at 5:30 AM local time to get it done. I am going to post more about our so far amazing adventure through 3 countries in near future so stay tuned for that.

Traveling hasn’t been cheap even though we try to save as much as we can to enjoy more traveling. Have you ever seen anyone making their own tea in an airport? Well, there goes the first of kind. Those bottled waters were in the fridge of our accommodation.

So, very much welcome back to another exciting Liquid Net Worth and Income Update! I hope you are enjoying my exciting reports including my first cryptocurrency income in May 2021 Monthly Report.

In addition to my cryptocurrency stocks (ETHC & DEFI), I also invest in some exciting ETFs including HBLK which is a Blockchain ETF. Take a look at My Exotic Series of the Best ETFs in Canada to know what ETFs I buy.

I also got into buying cryptocurrencies and stablecoins just before the big May crash so it hurts a bit but fun, educational, and entertaining. If you’d like to know how to start read my Complete Cryptocurrency Purchase, Exchange, Wallet, and ETF Guide.

Unfortunately, I missed doing my typical report for August but I am glad to see a small increase in our net worth for September despite the huge spending on flights, rental cars, accommodations, and attractions. I’d say meals have been the least expensive category during our vacation so far.

Feel free to read more about my journey from the beginning and how we started from zero just years ago by reading my post here. You can also find my first ever income report here Jan-Feb 2021 Net Worth and Income Update. In addition, previous months report are here.

Extra Side Hustle Income Report – $1184.51

If you recall, I complained about eBay which blocked my seller account without giving explanation about their final decision! However, after 2 months of waiting I got paid for my last sale which went in my Tangerine (Referral: 43640010S1) account rather than PayPal.

September hustle income wasn’t too exciting but still decent. I should also mention that I got a full refund on my brand new Google Pixel 4a to my Amazon cart because its delivery was delayed by a week.

I don’t know if this is normal practice by Amazon but they kept they advertised promise. The delay wasn’t due to some unforeseen or out of control postal issues so they honored it.

What is better than buying a new phone? Getting it for free!

  • $65 from Brim Financial – $60 was from 3 new referrals and $5 was a gift from Brim on my wife’s birthday as a secondary card holder. Is there any free card giving gifts on birthdays out there?
  • $40 from Leo SurveysJoin Leo Surveys and start earning for your opinion
  • $359.51 from eBay
  • $600 USD in $BTC from Celsius Network
Leo Surveys Payments Arrive in PayPal

To recap, in July, I received below side incomes:

This brings my September Side Hustle income to $1184.51 which is higher than my July’s $480 hustle . It is awesome to get paid while traveling on top of the 9-5 job. Have you started your hustling?

Did you notice my new fancy support “Buy Me a Coffee” icon on the top and bottom corner? I might stick with a no Ad business model and hope for your generous sponsorships.

I wanted to thank my amazingly generous and kind friend Chrissy @esb_fi for being the first ever direct supporter of the blog. This was a very nice alert while traveling. You can learn more about Chrissy’s FI journey through her blog here.

First Ever Blog Financial Supporter – Thank you!

I also accept money by below methods:

  • Wealthsimple Cash: $Babylon
  • Cryptocurrency: $ETH $USDC $TCAD 0xA2FA6728282d8c9f98a9fb1E4e906A294EbDEF06
  • PayPal: [email protected]

In September, I made another $40 from LEO Surveys (Leger Opinion) by spending little time doing some surveys. Feel free to use my LEO Surveys Referral Link to sign-up and start racking up some extra cash.

Wealthsimple Cash referrals dried up as well. I was hoping to get more cashback but unfortunately nobody signed up. I am still thankful for the $220 I received in the past. You can read my Complete Wealthsimple Cash review and Guide.

Join WS Cash & Get $10

Wealthsimple pays $10 for using my Sign-up link. You can then start inviting your family and friends to make some fantastic easy money. No deposit is required. You get the $10 as long as you never had a Wealthsimple Cash which is different than a Wealthsimple Trade account.

Similar to Wealthsimple, I love STACK and use it when abroad for free ATM withdrawals and no Foreign Exchange. I used it in Greece to withdraw Euro and in Turkey to withdraw Turkish Lira last month without any issues. The only charge was the one applied by the foreign bank ATM.

When it comes to Cryptocurrency, I didn’t have any referrals to Celsius Network in September. However, I took advantage of Celsius special offer and received $600 USD in Bitcoins which was locked for 90 days.

In July, I received $115 by applying to different credit cards and using GCR (Great Canadian Rebates). I think every Canadian should be a member of this site. You can sign-up using my GCR Referral Link. Please note that GCR asks for a referral email which is [email protected].

However, I didn’t purchase anything through them in Aug or Sept so no payment.

Current Non-Chequing Accounts

If you read my July report, you know that I got a $20,000 personal Line of Credit with 2.45%. I used some of that fund to earn Crypto interest. Basically leveraging $7K to receive 12% interest while paying 2.45%. However, I paid off all the loan till I return to Canada and get back on track with our savings.

I will write a review about but I am in LOVE! 8% for flexible earn or 10-12% for 1 or 3 months plans. I also applied for credit card which I hope is waiting for me in my mail box now.

This card gives me unlimited lounge access, covered Spotify and Netflix, and 3% cashback in $CRO on 90% of my purchases.

Honestly, CeFi (Centralized Finance) is as awesome as DeFi (Decentralized Finance) and both are making TraFi (Traditional Finance) looks so ugly (For now at least)!

Wealthsimple Trade is Canada’s first $0 commission App.
Please sign-up using my referral code 8RR_5G to receive your free $10 to trade.

This image has an empty alt attribute; its file name is Questrade-Trade.jpg

To get up to $250 or a free month in Questwealth, please use my Referral QPass 646713816388276.

Market has been going down lately and I didn’t move a cent to our savings in the past 2 months so the trading accounts numbers are mostly down in comparison to July / August.

However, thanks for the great Crypto recovery, my total balance is still up regardless of the downtrend. This shows the power of diversification.

QuestradeRoboTFSA$78,920.85Mrs. Dreamer
QuestradeRoboRESP$46,069.23Girl A & B
TangerineHISAHISA$2,248.40Mr. Dreamer
MeridianGICRRSP$14,601.82Mr. Dreamer
MeridianGICTFSA$6,459.08Mr. Dreamer
OakenGICLIRA$22,010.86Mr. Dreamer
OakenGICRRSP$21,667.05Mr. Dreamer
OakenGICTFSA$44,812.84Mr. Dreamer
WealthsimpleTradePersonal$12,454.94Mr. Dreamer
WealthsimpleTradeTFSA$29,611.18Mr. Dreamer
WealthsimpleTradeRRSP$51,781.81Mr. Dreamer
CryptocurrencyCryptoPersonal$45,153.24Mr. Dreamer
Current Status of Our Accounts

I realized that my wife’s TFSA and kids’ RESP accounts aren’t maximized. This is something I should work on in the upcoming months. For now, I won’t be adding any more money to our accounts until our return to Canada.

Current Net Worth & $3,539 Liquid Net Worth Increase

Our Net Worth grew to $386,523 by Oct 1st, 2021. This is a $3,539 increase since my last accurate report in Aug 1st. I am really surprised that our net worth increased despite our $12K spending on vacation so far.

Hopefully, I will be able to move some money to our investment accounts soon. I am still thankful for the dividends that I could reinvest by buying shares here and there.

Liquid Net Worth Increased to $386,523 by Oct 1st, 2021

Looking at the chart, I love how we were blessed to increase it by 29% Year over Year (YoY) or $86,830. Do you think we can reach the $400K milestone soon? I hope so.

Dividends & Savings Accounts Income

Since January 2021, I started calculating our income from dividends and savings accounts. You can also find my previous monthly Money Reports here.

I will not report detailed stock or ETF income here till it becomes more meaningful which will be Q1 2022. However, if you follow my journey on Twitter, I post whenever some interesting dividends land in my account.

Here are the numbers for 2021. Total 2021 income is $6,499.32. My goal for 2021 is to reach an average $1,000 monthly income. Currently, the average is $722.15 which is a nice increase compared with July’s average of $673.86. Three more months to go!

I hope my Stabelcoins (USDC and TCAD) investment starts generating $500 monthly. In addition, I have a GIC payout to bring up the average even more next month.

MonthDividendsHISA & GIC CryptocurrencyTotal
Jan 2021$571.03$206.14$0.00$777.17
Feb 2021$40.28$295.02$0.00$335.30
Mar 2021$305.00$510.29$0.00$815.29
Apr 2021$78.22$256.49$0.00$334.71
May 2021$164.77$259.35$20.30$424.12
Jun 2021$399.59$216.48$113.07$729.14
Jul 2021$797.74$214.04$290.45$1,302.23
Aug 2021$317.66$215.56$293.56$826.78
Sept 2021$431.40$216.83$307.15$955.38
Monthly Income Report Table
2021 Monthly Dividend, Savings, and Crypto Income
2021 Monthly Dividend, Savings, and Crypto Income

Cryptocurrency Income

I am earning Cryptocurrency and Stablecoins income from 4 channels which are Nexo Exchange, Cake DeFi, Celsius Network, and my newest addition

I didn’t use any new money to purchase any kind of digital assets during Aug and September. However, I converted some $TCAD and $USDC to diversify and unsuccessfully get another promotion from Celsius.

My holdings are 70% Stablecoins ($TCAD and $USDC) which track CAD and US Dollars and not impacted by any Crypto fluctuation. The rest are Cryptocurrencies like $MATIC, $BTC (Bitcoin), $ETH (Ether), $DFI (DeFi Coin), $CEL (Celsius), $NEXO (Nexo), $BCH (Bitcoin Cash), $CRO (Crypto).

Don’t laugh but my best performing Crypto was $SHIB which I received by using’s Supercharger feature and planning to sell soon! More details to follow.

Here is the current status of my Cryptocurrency portfolio. You can read more details about each account on my Cryptocurrency Portfolio & How to Earn 12% post.

Calculating income and converting to Canadian Dollar is a bit time consuming but with the help of Excel, everything is smooth and simplified now.

My Cryptocurrency Portfolio
My Cryptocurrency Portfolio

Last month, I was up $4,133.34 or 10.08% for my Crypto investments. Crypto can’t be predicted so the amazing looking green table above might be all red next month! It is a long term plan.

Liquid Net Worth and Income Update Summary

To summarize, I made $1184.51 in side hustle income in September. I also had $955.38 income from other sources like Dividends, HISA, and Crypto Earnings. I am moving forward with my cryptocurrency investment and ditching traditional banking systems especially for emergency funds.

My dividend income will keep growing along my Cryptocurrency income every month and I hope by the end of this year, my income from these sources surpass an average $1,000 monthly. Next month shall be a really interesting month.

Thank you for reading and let me know if you have any questions or feedbacks.

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