My name is Gonzalo, I am a 34-year-old Spaniard who lives in United Kingdom. I am passionate about reaching a point where I no longer need to have a daily job to live my life, which is what I call Financial Freedom.


My beginnings


Ever since I can remember I have been interested in accumulating and not so much in spending. Actually, my family always tells the following story. I was a kid and the summer holiday was coming to an end.

My grandma would always buy us a big bag of jelly beans for the six-hour drive back home. My brother and sister always finished their bag during the trip. I used to eat some of them and leave more than half of the bag for «the future».

As you might be guessing, the jelly beans would expire in a couple of days forcing me to throw them away. Not the smartest strategy to take on jelly beans but it can help you to get an idea about the way my brain worked when I was just a kid.


My not so much beginnings


I have been saving since I started working 10 years ago, but I didn’t know what for (buying a house was my best guess, how original!). Since then I have tried to obtain some returns. I began with deposits, but when the interest rates went to 0%, that was no longer an attractive option. 

In 2013 I moved to UK and I discovered the cash ISAs. They were tax free and I was delighted with my 1.3% annual return so it was clearly the best way to accumulate wealth (err…was it?).

I had left some money in Spain and in 2015 I found three interesting investment funds in my Spanish bank, so I decided to give them a try.

After 2 years I realised that while one of them was steadily growing the other two were hanging around their initial value. The former mirrored the S&P500 Index and had averaged a 11% annual return over more than 3 years.


That got my attention and lead me to believe that, if I saved enough, with a 10% yearly return I could live without needing the income from my job.


Where I am now

2019 has been an incredible year financially speaking. I have come to the realisation that financial freedom is achievable, so I have been working very hard on a plan to reach it.

I have read many books about accumulating wealth, changing your mindset, understanding the stock market, and how to approach investing in general. 

Now I can say without a doubt that I will reach financial freedom, sooner or later. Let’s hope this is not one of those times I am wrong…


Why I am here

I would like to help people realise that increasing your wealth, obtaining higher returns on your investments and reaching financial freedom is possible. You only need to follow some simple steps.

I am going to document my journey to financial freedom, and share with you all the knowledge that I accumulate along the way. Let’s begin!


Contact form

If you would like to ask me any question, please do so by using the below form.

 


Disclaimer

The information on this blog is not investment advice.
I’m not associated with any of the investment platforms mentioned in my blog. Everything described here reflects my experience and my opinion.
The blog contains affiliate links. If you click on any links and decide to invest in any of the products or services, sometimes you will receive a bonus, and I might earn a commission. I think it’s a win/win situation.

COMPÁRTELO!

10 Comments

Practical Millennials · 10 July, 2020 at 17:15

Hey Gonzalo! Really good page and blog, I found your thought process and approach to financial freedom really interesting. Great to see some UK based personal finance bloggers also! Keep up the good work, I look forward to following your journey to financial freedom!
All the best,
Arthur @ PracticalMillennials.com

    Gonzalo@Tofinancialfreedom.co · 12 July, 2020 at 05:47

    Hey Arthur. Nice to see you around.
    I am glad you like the blog, and I will be happy to share my journey to financial freedom with you 🙂
    All the best,
    Gonzalo

affiliate programs 2020 · 5 May, 2020 at 06:04

Very good blog! Do you have any suggestions for aspiring writers?
I’m planning to start my own website soon but I’m a little lost on everything.

Would you advise starting with a free platform like WordPress or
go for a paid option? There are so many choices out there that I’m completely overwhelmed ..
Any recommendations? Bless you!

    Gonzalo@Tofinancialfreedom.co · 5 May, 2020 at 06:52

    Thanks for the nice comment!

    In order to create a blog you need a domain and a hosting. I recommend going for the paid option, since in the long run it’s much better. There are very good and cheap hostings, like Siteground, which is the one I use.
    I recommend you to use them.
    Good luck!

Jose M. · 15 October, 2019 at 13:33

What interesting posts Gonzalo!! From now on, I will try to follow it. I also love finance love savings, but never I have taken the decision to invest formally, maybe unknowing, maybe fear… I will try to read the books you recommend. Once again, excellent posts, congrats!!! BTW… we was working together a long time ago… I hope you remember, kind regards!!

    Gonzalon@Tofinancialfreedom.co · 15 October, 2019 at 17:22

    Hey Jose, Nice to see you around!
    Of course I remember you, how could I forget working with you in Huawei? Those were challenging times, to say the least 🙂
    I am glad that you are enjoying my blog. Starting to invest is not easy, the unknown is always a bit frightening, and there are lots of scary stories out there.
    If you want to start investing, I would recommend you to take a look at all my posts, in order to get an idea and learn from my experiences. Then you could read “Rich Dad, Poor Dad”, it will give you a different perspective about money. Then go to the Intelligent Investor, but get ready (in a good way), because it’s very technical. I would recommend you to read it in Spanish. I read it in English and the language made it even more complex.
    Also, I am always open for questions here, or via email: tofinancialfreedom.co@gmail.com
    In case you didn’t know, you have the possibility of reading the blog in Spanish (selecting the Spanish flag on the side bar (laptop) or on the bottom (mobile phone), so choose whatever you feel more comfortable.
    Looking forward to hearing more from you.

Janis @ https://www.investingsmall.eu · 8 October, 2019 at 10:06

Dear To Financial Freedom,

Thank you for reaching out! I have added your blog to the Fellow Blogs list (https://www.investingsmall.eu/fellow-bloggers/).
Great to see your approach to diversification and that you acquire knowledge in a good old fashion way – by reading books.

Kindly,
Janis

    Gonzalon@Tofinancialfreedom.co · 8 October, 2019 at 10:55

    Dear Janis,

    Thank you so much for including me in your great blog, that’s such an honour 🙂
    Glad to know that you like my approach on learning by reading books, I am planning on publishing a post on that soon, hope you like it.
    Kind regards,
    Gonzalo

Simon · 13 September, 2019 at 11:50

Hey Gonzalo, very interesting post! This seems to be inline with the fire movement – I recently came across lifestyle. Which books did you read, Unshakable? Money? master the game? The intelligent Investor?

    Gonzalon · 16 September, 2019 at 19:32

    Hi Simon, I am very glad that you enjoyed it, thank you for the comments. You are right, it is totally aligned with the fire movement.
    Regarding the books, I talk about that on my latest post:
    https://tofinancialfreedom.co/stock-market-journey-part-2/
    Take a look and let me know if you have any questions, I am happy to reply (if I know the answer 🙂 )

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