Wednesday, November 30, 2016

October 2016 Frugalmaster Results

I am beginning to realized I am always over budget on some category(s) each month and under on others.  I was over on 2 and under or on target for 4.  I guess that is good but I am starting to wonder if budgets are right for me.  I will dwell on that this holiday season and see if I want to further simply my life come next year.

Income was below normal

Not only can I not keep under budget on everything but I can't keep my income steady either.  The job market is extremely hot in the software industry and I changed jobs again.  This time I have taken on a role in the industry as an architect.  It  only took me a long 18 years but I finally did it!  I am going from bi-weekly paychecks back to twice monthly paychecks.  With the slight delay I only pulled in 3 weeks of salary for the month.



Needs were over budget

I had sent out for a reimbursement for my wife's vehicle.  There was a recall on a part that we had fixed back in February.  The check came in for the that but it wasn't enough to keep us within budget.

I noticed my food expenses have been creeping up (not including baby food).  Prices are shifting as summer ends and fruit and vegetable prices are doubling where I live.  As I write this a pint of strawberries is running $5.  So with that said I switch the family over to less healthy canned fruit and veggies.


The other large expense was gift cards for a dresser for my other daughter and for a modern energy efficient toilet.  My plan is to slowly replace all of the 5 GPF toilets in my house with ones that use 1.25 GPF.  I hope this helps curb my unhealthy water bill.

Guilt Free Spending Money (Wants) was over budget

Again over budget.  I think either I need to get serious about saving and actually get the family to follow my budget or increase the budget for this category.

It is always weird writing this but our #1 spend in this category for the month was candy.  There are always good deals to be had around Halloween so my wife stocks up for the year.  That plus a trip to my wife's favorite fudge and candy factory and I am out over $200.  My wife doesn't spend on clothes or shoes like most women so this is her thing.
  
Even though we were over budget the savings rate still remained positive at 3%



It was a close one but I managed to save another $145 this month.  I am OK with that considering some of my larger expenses this month.  I hope you were in the green this month!

Save for tomorrow, live for today,

Dividend Family Guy

Tuesday, November 22, 2016

November 2016 Dividend Growth Watchlist

Well it is near the end of the month and I think I missed this boat.  These stocks are doing great this month but then again the DOW just crossed 19,000 today.  It is actually kind of scary that there hasn't been a market correction.  With that said some companies have stayed on the list.
GAP finally fell off the list and replaced by one of the more talked about stocks lately in the community, V.F. Corp.

One of my goals for the year is to get my wife's spousal IRA opened so when the time is right I can invest for the both of us.  Time is flying and I need to get my contributions in place in the next couple of months.

Give thanks!
Dividend Family Guy


 

Thursday, November 17, 2016

October 2016 Dividends

It was not a very active month from the new portfolio.  A grand total of $10.82 of cash was deposited into my accounts.  I will probably leave it there and take the dividends from next month together with this month to make my next purchase based on probably my December top 10

Company
Symbol
Held In
 Dividend
Amount Received
October Notes
Coca-Cola Co.
KO
Taxable
$0.350
 $0.70

Canadian Natural Resources Ltd.
CNQ
Taxable
$0.175
 $0.44

General Electric Co
GE
Taxable
$0.230
 $0.93

Coca-Cola Co.
KO
IRA
$0.350
 $8.75


I think I need to buy some more Coke to help even out these months.  Not much to say here as I am saving most of my life changes for my monthly income/expense/whatever else is going on in my life post.


With that I will leave you with a picture of my kids and my pumpkins.  Try and guess which one is mine.  Happy late Halloween everyone!