Income/expense January 2017

My goal when it comes to saving rate is as I wrote here 70 %. I'm usually a frugal person, but this month I managed to spend a lot of money. I don't have any regrets. I experienced a lot and as the kids says yolo!

Expenses: 32 120 SEK
Income: 32 250 SEK
Saving rate: 0.4 %

I've added a new feature to my blog. It's a spreadsheet where you can track my income and expenses. It can be found via this page.

New purchases

Today I invested the last part of my salary.

• 10 T for $ 41.72 per share and a yield of 4.65 %.
• 7 EMR for $ 58.99 per share and a yield of 3.25 %.
• 5 ABBV for $ 60.16 per share and a yield of 4.25 %.

They all pay a quarterly dividend and these purchases will give me $ 14.7, $ 13.44  and $ 9.6 for at total amount of $ 37.74. The total amount is quite a bit lower than my earlier purchases, but this is because I will only receive dividend from T and ABBV for three quarters. Next year will be bettter :). I've updated my portfolio and as always it can be found here.

If my calculations are correct this means that the purchase made in January will give me $ 143.16 this year. With the current exchange rate that is 1345 SEK which gives me a yield of 4.48 %. 

Short term watchlist

I still have some money from my salary to invest. This is list is an update of an earlier blog post. My portfolio will be in "diversification mode" for a long time, meaning I will increase the number of companies that I invest in. From March and onward I will broaden my geographical search area to include the Nordic countries as well. I'm thinking that I will invest half in dividend aristocrats and the other half in quality stocks from a certain country, so stay tuned.

This time I will choose from (ticker, yield, eps):

• T, 4.69, 17.79
• EMR, 3.19, 24.43
• MCD, 3.10, 22.67
• PG, 3.08, 24.62
• ABBV, 4.16, 16.5

Do you have any thoughts or comments on my plans?

New purchases

So I've made some purchases yesterday. I bought the three stocks with the highest yield from my earlier blog post.

• 10 KO for $ 42.15 per share and a yield of 3.32 %.
• 8 TGT for $ 65.00 per share and a yield of 3.69 %.
• 6 ED for $ 75.66 per share and a yield of 3.65 %.

They all pay a quarterly dividend and these purchases will give me $ 14, $ 19.2  and $ 16.56 for at total amount of $ 49.76. My entire portfolio can be found here. If anyone has any tips on how to create a good way to keep track my portfolio please let me know.

Short term watch list

My salary will soon be available for investing so I'd better start planning which companies to invest in. I want to own companies that have a good track record of increasing dividend, i.e dividend kings/aristocrats. I want to diversify and one way of doing that is simply to buy two aristocrats in different sectors each month. I prefer not buying stocks with a yield lower than 3 %, so that will be my first criteria. Second is that I want to have a P/E ratio that is not to high. Third is that I want to have a positive "feeling" for the company. I know that's not rational, but I don't want to make investments I don't believe in.

This month I will choose from (ticker, yield, eps):

• ED, 3.78, 18.03
• TGT, 3.77, 11,72 
• KO, 3.38, 25.16
• MCD, 3.10, 22.67
• PG, 3.08, 24.62

Do you have any thoughts or comments on my plans?

Income/expense November 2016

As I wrote in my post Goals 2017 I've now made a summary of my income and expenses for November 2016. I will not write anymore about the past since it has already happened and you cannot change it. The future is everything!

Expenses: 11 110 SEK
Income: 30 710 SEK
Saving rate: 63.8 %

The expense are a bit skewed since the expenses reflect the actual cash flow on my account. This month I paid a larger quarterly cost. If I would have spread out that cost my savings rate would have been 68 %, which makes my estimate 65 % for 2016 more reasonable.

Income/expense December 2016

As I wrote in my post Goals 2017 I've now made a summary of my income and expenses for December 2016. I will follow up with November in a few days.

Expenses: 12 034 SEK
Income: 30 710 SEK
Saving rate: 60.8 %

The savings rate is quite a bit lower than what I've estimate for the full year, but December is also a the season to be jolly. These numbers are good to have as a reality check.