Hey, I am somewhere there with you. I did learn about Peerberry last year. It's a good way to put your money away for a short or longer period. You can start with a small amount and add more as you go. You could also stay away from long term investments in the beginning so you could cash out soon enough if necessary. Always go with the investments with guarantee (Peerberry will pay interest if the entity who owes you don't pay in time).