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Showing posts from April, 2017

April 2017: Dividend Account Activity

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Greetings to all and happy Spring!
April was another good month in the sense that I was able to stick to my 12 Month Savings Plan.
Initially, I was worried that as a result of a less-than-anticipated tax return, I would not be able to cover my expenses while meeting my savings goals.
However, this has proved not to be the case - so far.
April was also a very busy month.  I am now just two short weeks away from finishing up graduate school, and other than a thesis presentation and final exams, I am basically done and will have a little more time on my hands - and a tuition loan debt to begin to pay off.

May 2017: Estimated Dividend Income

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Looking ahead to May, only two of the stocks in my newly established Exceptional Fund are scheduled to pay dividends.

However, as the fund is only made up of ten stocks, there are certainly bound to be months where more of them pay their dividends, such as April, and months like May where they don't.

In fact, in April I have had the best month of dividend income since the re-establishment of my fund after paying for graduate school.

In the chart below, you will see that the dividends received this month totaled nearly $100.


April 2017KO19.61FRT9.80O10.55VER14.71WPC38.81Total 93.48
And while I have not hit that number yet, and while it will be quite some time until that becomes the norm, I have almost hit it once, so I am on the verge of a milestone of sorts, albeit a relatively small one.

The point is that I have been consistent in terms of developing, implementing, and measuring the results of an investment plan that works for me.  

Developing the plan was the important first step.  I k…

Avoiding Lifestyle Creep

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Now that I have turned 40, I look around and I have noticed some friends that have, and more friends that have not, avoided lifestyle creep.

What the term refers to is the natural tendency to increase your spending and upgrade your lifestyle as you advance in career and salary.

It is a very natural thing to do, and not necessarily a bad thing in all cases.

Certainly, I would not want to live at age 40 the way that I did when I was in my early 20s.

Don't get me wrong, my early 20s were a blast.  I lived in a college town in upstate New York.  I lived less than a block from the epicenter of the weekend social scene - prime real estate for college kids and recent grads.

But the peanut butter and jelly, ramen noodle, and beer diet could only last so long.  The same is true for a young person's tendency to live paycheck to paycheck - or really scrimp when the money ran out before payday.

Landing my first professional job meant that I could move out of a house shared with other gu…