So what happened since October 2015?

October, November and December were bad months. At work I was struggling again. October I finished with 600€ less than at the start of the month. In November I broke even but I started to have health issues and worked 30% less. In December I lost another 900€ and my health problem was at worst.

Terrible period. But I tried new things and a few of them showed promise.
January was break even month. In February I have lost 500€. That was last bad month. Since then things got better. March, April and May I cumulatively increased my bank by 3700€.
I do mistakes from time to time. There was one mistake which went my way and I got 800€ from that. But even without that mistake, it is still almost 1000€/month saved.
In brutto the numbers are even better. I had a lot of expenses and invested in new tools (PC, display, smart phone etc.)  and well being of my family.

What is even better this improvement is systematic!
Firstly in May I remortgaged my debt which not only decreased interest and amount of monthly payment but also drastically increased my bank. As of 13.6.2016 my bank is 27070€. This kind of money makes my work much easier! Also I have access to another 6350€ available anytime in case I need them.
Interest I pay on debt went down from 10% to 2.8% and monthly payment from 480€ to 265€. There is still opportunity for shedding 65€ monthly and bringing interest to 1.8% p.a.

Secondly, I have now great working strategies. Nobody can tell how long they will be around but I would say this opportunity will last a year maybe more.

My overall debt is also lower.
In October I was 26000€ under water. Now it's 24900€.
So, let's roll!

Summer, autumn 2015 summary

This will be the post where I summarize where I was at in October 2015 for future reference. I wrote this on October 9th 2015 but didn't publish somehow. Shortly I will post a second part about the time since October 2015 till now, June 2016:

 

Regarding my work and bankroll - July was great, best month of the year for me, August was also great about 70% of July profit. I saved and increased my betting bank by about 3 500€ in those two months.

I was stagnating in September, earned less, had bigger expenditures and finished with bank smaller by couple of hundred €s than at the beginning of the month. 

My bank is currently at 13 800€, highest it was this year. I owe 23 800€ at average interest of 10% so I am still 9 800€ underwater. But now because of my work and various strategies I learned, the trend is positive and upward. It is much better position than have a bank of 23 800€ and be losing money.

Till the end of the year I want to save & pay out at least 4000€ of the worst debt and that will bring my interest rate I pay for credit to 7%. I will be happy with that interest for next year and my creditor is happy with that too.

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so this was written in October 15. It's correct except the mortgage debt is missing. Including mortgage, debt wasn't 23800€ but 39800€ so I was 26000€ underwater at the time.I will account for this debt in future calculations, as I have refinanced my debt completely with new mortgage. But I will not put my residential property in credit because its value is not clearly determined and it´s not an investment. But it´s safe to say it has much higher value than my mortgage debt. So bank is happy and me too because of very low interest, considering all circumstances.