Monday, December 26, 2016

November 2016 FrugalMaster Results

November and now December have flown by.  Besides the drive my new job is great (and challenging).  This time of the year is always challenging for the budget with all of the holidays and family  gatherings.  My food costs always jump as turkeys and hams are eaten and cookies are baked (and also eaten).



My Christmas budget was set earlier this year and saved for.  Come end of December we will see if I stayed on track this year  or if I went way overboard with my gift giving.



What I earn and spend always seems to fluctuate so staying under budget all the time is a near impossible feat for me.  It does give me guidance though so I will continue to use it.  What has worked best is just don't buy anything unless you really need it.  No impulse buying will also help to keep you on track for the overall year.
  
Even though we were over budget the savings rate still remained positive at 29%

Food and car insurance where the 2 that led me to be in the red for the month when I look at my budget.  None the less with the new job and the income it brings I still managed to save a large portion of it.

Regarding my guilt free spending money I stayed right on track for the month.  This category is what I most need to focus on as it could be zero and my family would have all of its needs met (and still be happy).  What is left over could go into savings and help us reach financial independence faster.



Well the kids are up and it is time to go cook some breakfast for the family.  I hope your holiday season is a great one. 

Save for tomorrow. Live for today!

Dividend Family Guy

Friday, December 16, 2016

December 2016 Dividend Growth Watchlist

Company Name
Symbol
Industry
No. Years
Dividend Yield
Sector
EPS% Payout
Span-America Medical Systems
SPAN
Medical Equipment
17
3.20
Health Care
41.56
Old Republic International
ORI
Insurance
35
4.20
Financials
51.37
Donegal Group Inc. A
DGICA
Insurance
14
3.43
Financials
53.92
Auburn National Bancorp
AUBN
Banking
15
3.15
Financials
40.91
Muncy Bank Financial Inc.
MYBF
Banking
16
3.17
Financials
40.45
VF Corp.
VFC
Apparel
44
3.08
Consumer Discretionary
58.33
Qualcomm Inc.
QCOM
Telecomm Equipment
14
3.11
Information Tech
55.64
Universal Corp.
UVV
Tobacco
46
3.92
Consumer Staples
64.29
Lyons Bancorp Inc.
LYBC
Banking
16
3.16
Financials
41.15
Target Corp.
TGT
Retail-Discount
49
3.11
Consumer Discretionary
44.04


The holidays are upon us and while the market is doing great my back has been unkind to me.  Now the doc has me on some meds (my present to myself I guess) and I have a few minutes this morning to look at my screen.

There are two that Motif could not find to add to my tracker.  Muncy Bank Financial Inc. (MYBF) and Lyons Bancorp Inc. (LYBC).  I looked both up on Yahoo Finance and they both look like good companies to watch.

Auburn is new to the top 10 as well.  This is a bank out of Alabama and just had it's ex-dividend date on 12/07 so I missed it.  They are a 109M company so not to big however they have been paying a nice dividend for 15 years.  I just looked at them again this morning and the yield is still on target.

 

Happy Holidays!

Dividend Family Guy