Despite a few unexpected expenses, September was a good month. Somehow I managed to save just under 30% of my income. The next couple months are going to be harder, since I’ll have rent to pay (and connected expenses, like insurance and internet). It’ll be interesting to see how things change.


Income

Net Salary: $2909.42
Interest Income: $0.36
Dividends: $6.42

Total Income: $2916.20


Expenses

Rent: $140.00*
Food: $561.88
Cellphone: $92.15
Air Travel: $176.09**
Car Insurance: $60.39
Gas: $179.75
Entertainment: $156.98
Vet Expenses: $250.00***
Home Related: $14.28
Health: $50.65
Gift: $359.48
Other: $15.00

Total Expenses: -$2056.65

* This represents my rental application fee and the damage deposit. Actual rent doesn’t start until Oct 1st.
** Used my Air Miles to travel to Vancouver for the September long weekend. This amount represent the taxes that were charged.
*** I offered to pay a portion of our family cat’s veterinary bills.


Investments (Gains / Losses)

Value at the beginning of month: $5764.75
   Add: Additional investments: $2175.59
Total Starting value: $7940.34
Value at the end of the month: $7896.61

Gain/Loss: –$43.73 (-0.0055%)


Analysis

Total Money Saved: $859.55
Percentage of my income saved: 29.48%
Percentage of income earned from passive sources*: 0.23%
Percentage of expenses covered by passive sources*: 0.33%

Previous Anticipated Yearly Dividend Income: $237.48**
Current Anticipated Yearly Dividend Income: $332.62
Increase of: $96.79 (%29.1)

* Does not take into account unrealized gains/losses.
** Figure taken September 22, 2015, which is when I started to track this amount.


Conclusion

 

Not bad a month, considering I had a bunch of a-typical expenses, including a short trip to Vancouver to visit family and friends. Then of course there was the unpredictable and unfortunate loss of our family cat, Pepper, whose vet fees I offered to pay a portion of. I’m a bit disappointed with the food expense, given that I’ve wanted to bring that down for a while. This isn’t entirely surprising, however, since my trip to Vancouver meant that I was constantly eating out. Hopefully October will be better on this front. On a side note, I was able to find a better price for my cell phone service, which should save me $15/month starting in November. I also plan on biking to work, until the weather makes that no longer possible.

Portfolio wise, while suffering a slight loss over the previous month, I’m happy to say that I’m still ahead overall by $50-100. Short term gains 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 $330 per year. That’s almost a %30 increase since the previous month!