Thursday, October 1, 2015

September Review



I did it. I survived September. 14 more years to go.


Sept
BBL
$105.40
ESV
$1.35
CVX
$20.33
ADM
$12.60
COP
$5.18
TROW
$6.76
JNJ
$48.75
MSEX
$0.77
MCD
$8.50
AFL
$6.63
UL
$13.28
ORI
$6.48
GILD
$4.73
LTC
$3.57
K
$3.19
PEP
$3.88
WMT
$1.40
NSC
$6.49
HSY
$0.60
VTR
$18.98
CCP
$3.42
FCISX
$26.04
Total
$308.33

Cash flow


Salary
$3,532.80
Dividend
$308.33
Interest & online
$77.85
Total
$3,918.98


Deductions


Gas Bill
$36.17
Electric bill
$182.86
Water Bill
$136.66
QT
$105.16
Discretionary
$231.45
Car payment
$435.45
Total
$1,127.75


Calculation

% saved
71.22%


Safety Net Total

Bank
$3,533.92
Scottrade Tax
$36,981.11
Scottrade ROTH
$1,838.29
Loyal3
$8,064.99
401k
$17,923.59
Edward Jones Roth
$6,684.74
Total
$75,026.64

Summary

  1. Overall not a bad month. I increased my wealth by $4,000 via fresh capital+capital appreciation+dividends.
  2. I spent more on discretionary and QT (quiktrip) this month than any other month. I took a couple of weekend vacations driving around in the midwest.
  3. I will create a watchlist when I get the chance. Lots of things to do not enough time.

I made a few flips and dividend reinvestments behind the scene. My forward 12 months stands at $2,053.82. Portfolio updated.

Happy Halloween everyone. Grab some popcorn, eat some candy*, and listen to spooky ghost stories.

*note to my readers. Visit your dentist 2x a year or cavities will murder you later in life.

12 comments:

  1. Nice income! I bet it is get to get over $300! Congratulations!
    D4s

    ReplyDelete
    Replies
    1. hi D4s. I am actually amazed I got over 300. For a while I was buying 2-3% stocks and wondering to myself when is it finally going to kick in and this month finally proves DGI. thanks for visiting

      Delete
  2. Wonderful BDI. Keep hustling it up bud! 300 plus in dividends is wonderful. Give yourself a pat on the back. Few travel this journey and it's harder to stay on the path. So you're doing awesome.
    Wish you the best aight.

    ReplyDelete
    Replies
    1. hi DH, i'm late to the game so I need to ramp up my savings and buying. One day I'll get that juicy 2k like you. thanks for visiting

      Delete
  3. BDI,
    What the heck is going on with that water bill?! I think that's like 6x our monthly water bill.

    Eric

    ReplyDelete
    Replies
    1. hi eric, I live with my parents and sister. In one day each of us take a shower time 30 days. We also eat entirely at home so water for cooking + water for cleaning. Plus we have a garden in the back. That's where the high water bill comes from. I know it's horrible and we need to reduce it but my city also taxes us for rain...that's right the more it rains the more we pay for "sewer maintenance." I really need to get out of Nebraska

      Delete
  4. Nice work BDI. $300 in dividends is fantastic. Keep up the good work.

    ReplyDelete
  5. Congrats on crossing over the $300 mark! That's a solid chunk of additional income. And the best part is that you didn't have to work for it. Well, work extra for it.

    ReplyDelete
  6. Keep it up! Im curious your food expenditure is part of discretionary -- which is running 20% of your budget..right? is that for the entire family or just yours? I spend for myself alone (though sharing an apartment college-style up to now, to push down on rent), but after cutting back on almost all--ive found out the max that i can cut on food is until about 30% of my budget.

    ReplyDelete
    Replies
    1. Hi travel. that's for the entire family. As part of the agreement with my parents, I will build them a retirement account using my own money. My goal is 10 years from now my portfolio will reach half a million that produces 20-25k per year. Combined with their social security that should equal 30,000 per year if my calculations are correct. In return I get 10 years of free rent but I have to pay the gas, water, and electric bill + provide grocery money when needed.

      here's a fun comparison. My dad worked for the same company for 15+ years and my mom worked 5+. If my dad works 30 hours of overtime a week, combined they will make 35-40k a year. If I max my overtime i will make 80+ a year. Of the $200+ discretionary spending this month, I spent $1.25 on a Dr Pepper and the rest went to grocery bills (this month is inventory so no OT for my dad). It sucks that the grocery bill is so high....on the other hand I probably eat 70% of it =).

      thanks for visiting

      Delete