November was another a-typical month. First, I made a bit more than usual salary wise. I also got my credit card cash-back (see my post about this) and some gifts (it was by birthday). I also made another reasonably large purchase by buying a new stereo. Keeping in line with a decision I made in the previous months, I decided to amortize this purchase over a few months to better reflect the fact it would get used up over a period of time (and not all at once). Other than that, my food expense was off the charts again. I really really really need to get that under control.

Income

Net Salary $ 3,244.88
Credit Card Cash Back $ 240.88
Gifts $ 145.00
Dividends $ 6.42
Interest Income $ 3.18
Total Income: $ 3,640.36

Expenses

Food ($ 693.46)
Household Goods ($ 334.94)
Office Supplies ($ 78.73)
Cellphone ($ 65.32)
Internet ($ 30.99)
Home Insurance ($ 29.43)
Gas ($ 105.02)
Car Related ($ 148.82)
Entertainment **/*** ($ 222.53)
Health ($ 153.70)
Electronics (Amortized) ($ 100.00)
Total Expenses: ($ 1,962.94)

Income / Expenses Analysis

Percentage of my income saved: 46.08%
Percentage of income earned from passive sources: 0.26%
Percentage of expenses covered by passive sources: 0.49%
Total Money Saved: $ 1,677.42
Note: The last two figures do not take into account unrealized gains/losses.

Portfolio Analysis

Value at the beginning of month: $ 12,140.97
Add: Additional investments: $ 1,940.15
Total Starting value: $ 14,081.12
Value at the end of the month: $ 14,026.59
Total Portfolio Gain/Loss: ($ 54.53)

Dividend Analysis

Previous Anticipated Yearly Dividend Income: $ 478.13
Current Anticipated Yearly Dividend Income: $ 566.01
Dividend Increase/Decrease: $ 87.88 (18.38%)
Avg. Monthly Dividend: $ 47.17

Conclusion

I knew November was going to be another anomaly since I still had a few things to buy for the new apartment. I also knew that I would be making a bit more money this month. That being said, things should be stabilizing between here and January — December being another a-typical month because of xmas and what not. The stereo should be the last of my big purchases, although I might be buying a new computer in the new year since the current one is getting a little long in the tooth. I’ll wait and see.

Portfolio wise, my stocks went down a bit in November. I was ahead by over $200 for most of the month and then lost all of the gains I had made during the very last week.  These sort of gains/losses aren’t really the point, however, since I’m in it for the long haul and mostly looking at dividend income. As of this writing, my yearly income from dividends is around $570 per year. That’s almost 20% more since the previous month!

So overall a pretty good month!

André


* I got two months free when I signed my lease for my apartment. October was the first month.
** I bought a sound system, part of which is included here.
*** I bought a projector in October and a sound system in November. I figured it didn’t make sense to expense both of these all at once since they would last me much longer than one month. So instead I decided to amortize it over 9 months ($700 left for the projector) and ($400 left for the stereo).