In the meantime, locally we are dealing with a government shutdown. It has not affected me yet, but if it continues it has real potential to affect me. I am not overly concerned, I have savings and vacation saved for this emergency - but if I could avoid using that it would be swell. Hopefully 2019 starts better than 2018 ended!
This month I added one new position, TD Bank (TD), in my taxable account.
Last month I brought in a total of $408.49 in dividends ($164.48 taxable, $99.01 Roth, and $145 in my IRA). This is an increase from last year ($349.36 total) by 16.9%. This total is my new highest ever, and the first time I have collectively broken $400 in a month.
In terms of dividend increases, I realized five this month from McDonald's (MCD), Microsoft (MSFT), VF Corp (VFC), YUM China (YUMC), and Emerson Electric (EMR). The increases range from 1.5% to about 16% (all but EMR are higher than 9%). This brings my total raises to 51* on the year, one more than last year's final total. A few shares held their dividends in place due to acquisitions and or prudent management.
Next month I will realize two dividend increases from Realty Income (O), Disney (DIS), and Eastman Chemical (EMN). The increases range from 0.2% to around 10%.
* I only count increases when realized, because until that money is delivered any statements or declarations are simply conjecture.
The mortgage continues has started to see more cash flowing towards the principal - not a huge number, but every little bit counts. Our debts currently outstrip our assets (I choose not to count the house as an asset). Outside of our house, we still have very low interest auto debt (1.9 and 1.5% for our cars). My car is getting paid at doublish time, and I suspect I can finish it off within 8 months from now - which will be nice because I plan on keeping that car for 20 years. Debt is being eliminated, and we are still building and assets. A second income goes a long way.
I should be making another buy in January in my IRA account.
Next month should produce around $100 in dividends, which is a 35% YOY increase.
My portfolio page is currently up to date.
What a year. So let's look at how I did last year compared to the goals I laid out for myself.
(Results in RED):
- Invest a total of $8000 next year, $6000 in taxable accounts, at a minimum. Success. $11708.15 total, breakout goals also met.
- Achieve forward total dividends for all accounts of $3000. Success. $3150 (ish)
- Keep getting into shape - lifting 2x and running 2x / week and bike to the train station + other places. Success, I average 4 days a week, plus biking. New dad win.
- Reduce total spending (after debt payments) by at least 10%. Fail. We reduced spending by 7.5%, and perhaps some of that is due to the new child. We must do better here.
So what will become of 2019? I have organized a few goals to make sure I stay on target.
- Invest a total of $13000 across all accounts.
- Receive $1500 in dividends from the taxable account.
- Maintain or reduce weight while continuing to exercise ~ 4x per week and bike wherever I can.
- Hold the line / reduce total spending (after debt payments) by around 5%.
Hope everyone has a great January and a Happy New Year!
- Dividend Gremlin
- Long all stock tickers mentioned