June was another crazy month for me! The yurt is FINALLY finished and I officially moved in last week. The first week has been great, albeit not without it’s share of problems. Nothing major thankfully. The most surprising aspects of living in a yurt has been my newfound connectedness to the weather / surrounding nature. Since a yurt is really just a glorified tent, you’re much more aware of your surroundings since the walls are next to non-existent. You hear everything, and have to be vigilant for coming storms should water leak through your windows. On the first day there was a huge thunderstorm — which proved interesting.

June was crazy for other reasons as well. The surprising pro-Brexit vote in the UK sent my portfolio tumbling by as much as $1000. This downturn, however, was short lived and I have since recouped my losses. In fact, I think I’m ahead by around $70 compared to where I was at the end of last month.

Yahoo Finance (the database that provides this website its stock info) is having troubles again with with respect to Canadian stocks. For some reason it keeps dropping the dividend / yield info. It’s annoying, but I’ll just wait for Yahoo to sort out their problems — just like last time. In the meantime, the Dividend page is going to be highly inaccurate.

On to the numbers!

Income

Salary $ 4,565.10
Dividends $ 68.73
Interest $ 23.98
Total Income: $ 4,657.81

Expenses

Rent ($ 300.00)
Car Related ($ 198.02)
Utilities ($ 100.79)
Food ($ 528.04)
Entertainment ($ 156.50)
Health Related ($ 389.11)
Pet Related ($ 19.46)
Home/Yurt Related ($ 542.89)
Electronic (Amortized) ($ 200.00)
Gifts ($ 100.00)
Total Expenses: ($ 2,534.81)

Income / Expenses Analysis

Percentage of my income saved: 45.58%
Percentage of income earned from passive sources: 1.99%
Percentage of expenses covered by passive sources: 3.66%
Total Money Saved: $ 2,123.00
Note: The last two figures do not take into account unrealized gains/losses.

Portfolio Analysis

Value at the beginning of month: $ 22,896.60
Add: Additional investments: $ 0.00
Total Starting value: $ 22,896.60
Value at the end of the month: $ 22,968.10
Total Portfolio Gain/Loss: $ 71.50

Dividend Analysis

Previous Anticipated Yearly Dividend Income: $ 936.04
Current Anticipated Yearly Dividend Income: $ 937.36
Dividend Increase/Decrease: $ 1.32 (0.14%)
Avg. Monthly Dividend: $ 78.11

If you were to compare June to previous months, the first thing you’d likely notice is that my take home salary has gone up considerably. Unfortunately this is not due to a raise / promotion, but rather because every sixth month happens to be one where I get three paycheques instead of two. Consequently, my saving rate was much higher than it should have been (just shy of 50%). Interest and dividend income hasn’t moved a lot — in large part because I haven’t bought any stocks lately. I’m hoping July will change that.

On the expense side of things, things remain fairly stable. I’ve almost paid off my amortized electronics expenses. After June, I’ll only have $200 left on a computer I bought a few months ago. Unfortunately, I’ll likely be buying a new cell phone once I’m done because my current iPhone 5 is getting a little long in the tooth. Food remains a constant sore point; what should be a $200 or $300 monthly expense is still vastly over budget.

Portfolio wise, despite the Brexit crisis, it seems that markets have since stabilized. I was down almost $1000 at one point, but have seen my losses reverse. In fact, I ended the month with a net positive gain of around $70 — not too shabby considering. On the dividend side of things, nothing has really changed. Apparently I’m earning a few dollars a months more compared to what was posted back in May.

That’s it for now. Thanks for reading!

André

* I bought a projector in October and a computer in December. I figured it didn’t make sense to expense all of these at once since they would last me much longer than one month. So instead I decided to amortize them over 9 months ($200 left for the computer)