January 2018
Ledger
Name - Cost - Date
Misc - 0.52 - 4/1/18
Book - 1.83 - 4/1/18
Food - 5.37 - 05/01/2018
Jeans - 6.8 - 15/1/18
Food - 7.14 - 17/1/18
Book - 10.77 - 28/01/18
Food - 4.4 - 29/01/18
Total (£) - 36.83
Overall, a solid month to start the year. I wasn't tempted by any of the January sales, and again bought the jeans through eBay. They do look like something out of a 70s music video parody, but they're only for work anyway

Investments
Quite a large amount of activity this month.
After taking sometime to think about it, I decided that I was not comfortable with the level of risk in cryptocurrencies, and so I sold the majority of my holdings. Luckily I done this before 'Black Tuesday', when cryptocurrencies across the board lost a lot of value. Roughly, my entire cryptocurrency holdings were worth around £6000 at the time (from an initial investment of £1800) and I sold £3906.7p worth of coins. I kept what was then worth around £2,000 worth of various coins invested.
Using the £3906.7p (plus regular income), I made contributions of £3061.82p into my standard ISA, and £335.21 into my LISA. Using the remaining proceeds from the crypto cash, I made a £1576.50 subscription into a new IFISA (Innovative Finance ISA).
I'll let Google define the IFISA:
"An innovative finance ISA (IFISA) lets you use your tax free ISA allowance while investing in peer to peer (P2P) lending"
The platform I am using offers loans promising a variety of rates of return, but they generally range from 7-11%. My own expected rate of return is 10.75%.
I have decided to make this new investment because: 1) It offers a very good rate of return
2) It offers an element of diversification
3) I find finance and investing very interesting generally, and making this new investment gives
me a chance to experiment with a different area of it
For the purposes of documenting it here, I will calculate the value of the IFISA as: the initial investment + the projected rate of return - the 1% fee taken by the platform.
Overall, the total value of my combined ISAs is therefore (as of writing): £15,780.91p
Speculation
My remaining crypto coins have a current combined worth of: £908.63p. Down from around £2000 before the slide this month

Alltogether, the total value of my normal and speculative investments, plus my safety fund (£300) is £16,989.54p
Focuses for February
My course is back under way. That and work take up most of my time, however I am finding the course enjoyable, so it's not so bad. I do have some time to read, and I'm just finishing up Edmund Burke's 'Reflections on the Revolution in France' and some of his other writings. Really enjoyed them, in fact some of the greatest writing I have ever read. I highly recommend.
Also been reading 'De Officiis' by Cicero. A great read if you're interested in a virtuous life, stoicism, ancient philosophies, etc.
Well, that's about it. See you all soon!