Friday, May 5, 2017

Income & Expenses For April 2017

Since 2014, I have been tracking my monthly income and expenses. You can see a breakdown of every penny I earn and spend. For perspective, this budget is for a household of two in a small US city. By documenting my journey, I aim to demonstrate the feasibility of saving a significant portion of your income and provide some ideas and inspirations for your own budget.

Below are my income and expenses for April 2017. You can see all my monthly budgets here.
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Apr 2017
Income
Wages$10,296.36
Dividends$1,023.59
Other Income$244.20
Total Income$11,564.15
Expense
Federal Income Tax
Federal Tax Pmt/(Refund)$649.66
FICA-SS$427.02
FICA-Medicare$99.87
Housing$450.00
Student loan repayment$160.47
Food$113.94
Gasoline$56.50
Car Reg/Tax/Maint$2.11
Cell phone$12.23
Electric$37.69
Clothing/laundry$27.48
Donation$45.00
Other Expense$31.85
Total Expense$2,113.82
Ex-Tax Total Expense$937.27
Surplus/(Deficit)$9,450.34
Before Tax Saving Rate81.72%
After Tax Saving Rate90.98%

Income
Wages remain my primary source of income by far.  Dividend income above $1000 is still respectable and enough to support my living expenses.

Here is a chart of my dividend income by month for the past 13 months:


Total dividends for the trailing twelve months: $14,178.25, up 14% from $12,481.11 last year.

Expense
I bought some new uniforms for work. Food expense was a bit higher than usual, as I bought some dry goods in bulk. The other expenses were typical recurring expenses.

Total expenses for the trailing twelve months: $10,351.20.
Dividend to expense coverage ratio = 1.37.

Savings
My after tax saving rate was 90.98% for the month of April 2017, meeting my 90% saving rate target. I am optimistic that my saving rate will average above 90% for the remainder of the year.


Monday, May 1, 2017

Portfolio Update April 2017

The time has come for my monthly portfolio update. At the end of every month, I will update my portfolio and comment on any changes. I do that for accountability and also so you may glean some ideas on how I allocate my capital. You have the opportunity to learn from what I do well, so you can do the same, as well as what I do poorly, so you will not have to repeat my mistakes.

Follow my real-time portfolio here. Below is a snapshot of my stocks and ETFs portfolio as of 4/28/17:

TickerPriceShares HeldCost BasisTotal InvestedMarket ValueG/L ($)G/L (%)Weight
Total$42.8018065.99909$34.04$614,946.24$773,161.25$158,215.0025.73%100.00%
BDX$186.97170.71741$84.35$14,400.00$31,919.03$17,519.03121.66%4.13%
VWO$40.34733.19119$39.40$28,885.07$29,576.93$691.862.40%3.83%
AFL$74.88308.0023$48.05$14,800.00$23,063.21$8,263.2155.83%2.98%
EMR$60.28363.993068$50.91$18,531.98$21,941.50$3,409.5218.40%2.84%
XOM$81.65266.221106$80.70$21,484.51$21,736.95$252.441.18%2.81%
EXC$34.63570.614$30.49$17,396.43$19,760.36$2,363.9313.59%2.56%
MOCO$29.85517.375$13.82$7,150.00$15,443.64$8,293.64116.00%2.00%
NSC$117.49131.3$76.92$10,100.00$15,426.44$5,326.4452.74%2.00%
BRK.B$165.2192.215$122.15$11,264.20$15,234.84$3,970.6435.25%1.97%
KO$43.15348.6429$41.58$14,495.00$15,043.94$548.943.79%1.95%
WMT$75.18198.0638$66.65$13,201.10$14,890.44$1,689.3412.80%1.93%
AZO$692.1921$741.58$15,573.08$14,535.99-$1,037.09-6.66%1.88%
BMTC$42.90326.882644$23.56$7,700.00$14,023.27$6,323.2782.12%1.81%
PG$87.33153.38$69.87$10,715.96$13,394.68$2,678.7225.00%1.73%
VFC$54.63227.6187$57.55$13,100.00$12,434.81-$665.19-5.08%1.61%
SPGI$134.1989.647935$45.73$4,100.00$12,029.86$7,929.86193.41%1.56%
GILD$68.55174$75.87$13,202.24$11,927.70-$1,274.54-9.65%1.54%
LMT$269.4544.233058$96.91$4,286.67$11,918.60$7,631.93178.04%1.54%
UL$51.34229.559$41.82$9,600.00$11,785.56$2,185.5622.77%1.52%
NKE$55.41203.7031$51.30$10,450.00$11,287.19$837.198.01%1.46%
AZN$30.25344$22.13$7,613.49$10,406.00$2,792.5136.68%1.35%
MSFT$68.46147.4444$40.20$5,927.06$10,094.04$4,166.9870.30%1.31%
MCD$139.9372.0509$104.09$7,500.00$10,082.08$2,582.0834.43%1.30%
YORW$37.50265.373$20.91$5,550.00$9,951.49$4,401.4979.31%1.29%
SON$52.31182.1512$35.41$6,450.00$9,528.33$3,078.3347.73%1.23%
CVX$106.7088$95.19$8,376.87$9,389.60$1,012.7312.09%1.21%
INTC$36.15245.9332$27.38$6,732.56$8,890.49$2,157.9332.05%1.15%
ESLT$118.7970$36.86$2,580.05$8,315.30$5,735.25222.29%1.08%
PEP$113.2873.206544$80.59$5,900.00$8,292.84$2,392.8440.56%1.07%
DIS$115.6067.2311$95.94$6,450.00$7,771.92$1,321.9220.49%1.01%
ED$79.2898$70.40$6,899.44$7,769.44$870.0012.61%1.00%
BUD$113.2468.5125$108.74$7,450.00$7,758.36$308.364.14%1.00%
HCP$31.35245$35.65$8,734.17$7,680.75-$1,053.42-12.06%0.99%
VIAB$42.56177.8076$41.06$7,300.00$7,567.49$267.493.66%0.98%
ABBV$65.94114$61.84$7,050.14$7,517.16$467.026.62%0.97%
T$39.63187$33.89$6,336.85$7,410.81$1,073.9616.95%0.96%
MAT$22.43327.2143$29.03$9,500.00$7,339.42-$2,160.58-22.74%0.95%
KMB$129.7556$115.30$6,456.80$7,266.00$809.2012.53%0.94%
NVS$77.0387.128$73.46$6,400.00$6,711.47$311.474.87%0.87%
OGZPY$4.741390.2431$6.09$8,464.47$6,589.75-$1,874.72-22.15%0.85%
VMI$152.3542.861$120.16$5,150.00$6,529.87$1,379.8726.79%0.84%
PEG$44.05148.004$30.07$4,450.00$6,519.58$2,069.5846.51%0.84%
BEN$43.11150$35.26$5,289.56$6,466.50$1,176.9422.25%0.84%
BCR$307.4820.651628$96.84$2,000.00$6,349.96$4,349.96217.50%0.82%
DV$37.85167$22.09$3,688.64$6,320.95$2,632.3171.36%0.82%
NVO$38.68163$38.92$6,344.74$6,304.84-$39.90-0.63%0.82%
RL$80.7276.254$90.81$6,924.41$6,155.22-$769.19-11.11%0.80%
SRCL$85.3272$82.12$5,912.79$6,143.04$230.253.89%0.79%
SAN$6.52925$6.78$6,273.42$6,031.00-$242.42-3.86%0.78%
SNY$47.30126.363$40.36$5,100.00$5,976.97$876.9717.20%0.77%
UHS$120.7647$122.89$5,776.00$5,675.72-$100.28-1.74%0.73%
FOSL$17.25322$24.72$7,961.06$5,554.50-$2,406.56-30.23%0.72%
CSX$50.84108$21.04$2,272.36$5,490.72$3,218.36141.63%0.71%
VIG$91.4960$59.80$3,587.92$5,489.40$1,901.4853.00%0.71%
GPS$26.20200.5943$20.94$4,200.00$5,255.57$1,055.5725.13%0.68%
VEA$40.17126.85067$31.05$3,938.54$5,095.59$1,157.0529.38%0.66%
AAN$35.94133$22.62$3,008.06$4,780.02$1,771.9658.91%0.62%
CTSH$60.2375$53.00$3,975.00$4,517.25$542.2513.64%0.58%
LUKOY$49.5589$49.38$4,395.19$4,409.95$14.760.34%0.57%
FOX$29.86146.5179$25.59$3,750.00$4,375.02$625.0216.67%0.57%
RBCAA$35.98118$21.26$2,508.83$4,245.64$1,736.8169.23%0.55%
AN$42.00101$46.53$4,700.00$4,242.00-$458.00-9.74%0.55%
HPQ$18.82220$8.89$1,956.29$4,140.40$2,184.11111.65%0.54%
CHL$53.3277.42$47.44$3,672.95$4,128.03$455.0812.39%0.53%
SBRCY$11.89346$6.18$2,137.25$4,113.94$1,976.6992.49%0.53%
HPE$18.63220$9.77$2,150.40$4,098.60$1,948.2090.60%0.53%
CVS$82.4448$88.52$4,248.81$3,957.12-$291.69-6.87%0.51%
JNJ$123.4732$61.42$1,965.54$3,951.04$1,985.50101.02%0.51%
DGS$45.2183.77$44.07$3,691.36$3,787.24$95.882.60%0.49%
GIS$57.5165.282$38.30$2,500.00$3,754.37$1,254.3750.17%0.49%
K$71.0052.686$50.30$2,650.00$3,740.71$1,090.7141.16%0.48%
RHHBY$32.70112$30.80$3,449.74$3,662.40$212.666.16%0.47%
FISV$119.1430$100.80$3,024.00$3,574.20$550.2018.19%0.46%
FNDE$26.59129.85$24.59$3,193.03$3,452.71$259.688.13%0.45%
BVN$12.01282$9.23$2,601.60$3,386.82$785.2230.18%0.44%
HSIC$173.8019$155.68$2,958.00$3,302.20$344.2011.64%0.43%
BBBY$38.7585$41.60$3,536.00$3,293.75-$242.25-6.85%0.43%
TIF$91.6533$60.25$1,988.40$3,024.45$1,036.0552.10%0.39%
PII$85.2634$76.53$2,602.00$2,898.84$296.8411.41%0.37%
WBA$86.5433$36.78$1,213.89$2,855.82$1,641.93135.26%0.37%
SBS$9.20307$4.92$1,510.38$2,824.40$1,314.0287.00%0.37%
IBM$160.2917$133.64$2,271.92$2,724.93$453.0119.94%0.35%
PPL$38.1170.09$23.92$1,676.52$2,671.13$994.6159.33%0.35%
CEO$116.1521.66$144.63$3,132.74$2,515.81-$616.93-19.69%0.33%
DHR$83.3329$79.24$2,298.10$2,416.57$118.475.16%0.31%
PAYX$59.2840.572$33.27$1,350.00$2,405.11$1,055.1178.16%0.31%
TLK$32.7572$16.17$1,164.01$2,358.00$1,193.99102.58%0.30%
DE$111.6121$74.65$1,567.56$2,343.81$776.2549.52%0.30%
LLY$82.0628$35.93$1,006.02$2,297.68$1,291.66128.39%0.30%
DISCA$28.7879.6427$24.99$1,990.00$2,292.12$302.1215.18%0.30%
HCN$71.4431.8857$56.45$1,800.00$2,277.91$477.9126.55%0.29%
DLTR$82.7925$76.92$1,923.08$2,069.75$146.677.63%0.27%
OGS$68.8329.562$33.83$1,000.00$2,034.75$1,034.75103.48%0.26%
SGTZY$4.90371$6.45$2,392.73$1,817.90-$574.83-24.02%0.24%
TGT$55.8532.2259$58.96$1,900.00$1,799.82-$100.18-5.27%0.23%
SJI$37.5247.1864$24.37$1,150.00$1,770.43$620.4353.95%0.23%
WFC$53.8432$45.86$1,467.50$1,722.88$255.3817.40%0.22%
BP$34.3244$39.34$1,731.17$1,510.08-$221.09-12.77%0.20%
OAOFY$39.3638$28.59$1,086.23$1,495.68$409.4537.69%0.19%
IJR$69.7921$69.77$1,465.10$1,465.59$0.490.03%0.19%
WLK$62.2523$44.00$1,012.00$1,431.75$419.7541.48%0.19%
ESRX$61.3423$65.32$1,502.37$1,410.82-$91.55-6.09%0.18%
GGG$107.8513$73.00$949.00$1,402.05$453.0547.74%0.18%
STRA$86.7116$48.00$768.00$1,387.36$619.3680.65%0.18%
CERN$64.7521$47.80$1,003.80$1,359.75$355.9535.46%0.18%
DXC$75.3418$68.10$1,225.77$1,356.12$130.3510.63%0.18%
CHKP$104.0113$74.85$973.05$1,352.13$379.0838.96%0.17%
AXP$79.2516.7283$59.78$1,000.00$1,325.72$325.7232.57%0.17%
MPC$50.9426$18.83$489.68$1,324.44$834.76170.47%0.17%
POT$16.8877$23.11$1,779.18$1,299.76-$479.42-26.95%0.17%
FSBK$12.98100$4.51$451.00$1,298.00$847.00187.80%0.17%
TESS$14.0088.983$8.99$800.00$1,245.76$445.7655.72%0.16%
MDLZ$45.0327$17.63$475.90$1,215.81$739.91155.48%0.16%
NNN$42.2228.605$45.45$1,300.00$1,207.70-$92.30-7.10%0.16%
RHI$46.0526$36.06$937.56$1,197.30$259.7427.70%0.15%
CICHY$16.2573$13.64$995.73$1,186.25$190.5219.13%0.15%
TLSYY$15.8172$14.78$1,064.26$1,138.32$74.066.96%0.15%
KSS$39.0328.7161$43.53$1,250.00$1,120.79-$129.21-10.34%0.14%
SCL$84.8013$38.46$499.98$1,102.40$602.42120.49%0.14%
TROW$70.8915$67.00$1,005.00$1,063.35$58.355.81%0.14%
MRK$62.3317$34.30$583.18$1,059.61$476.4381.70%0.14%
VSS$105.4810$87.82$878.20$1,054.80$176.6020.11%0.14%
BF.B$47.3222$45.82$1,008.04$1,041.04$33.003.27%0.13%
MYTAY$8.35124$13.18$1,633.71$1,035.40-$598.31-36.62%0.13%
BCMXY$19.5952$16.07$835.50$1,018.68$183.1821.92%0.13%
CMP$66.0014$69.00$966.00$924.00-$42.00-4.35%0.12%
ARLP$21.2541$26.68$1,094.01$871.25-$222.76-20.36%0.11%
BIIB$271.213$221.90$665.71$813.63$147.9222.22%0.11%
KHC$90.358.881$28.52$253.28$802.40$549.12216.80%0.10%
TLKGY$22.2536$19.78$711.92$801.00$89.0812.51%0.10%
AEO$14.0954.4158$11.95$650.00$766.72$116.7217.96%0.10%
AAPL$143.655.2832$94.64$500.00$758.93$258.9351.79%0.10%
PNW$85.098.884381$35.01$311.00$755.97$444.97143.08%0.10%
PB$67.2011$45.43$499.73$739.20$239.4747.92%0.10%
IMBBY$49.6614$62.93$880.98$695.24-$185.74-21.08%0.09%
RAVN$31.0022$22.60$497.20$682.00$184.8037.17%0.09%
NAT$8.3082$19.64$1,610.79$680.60-$930.19-57.75%0.09%
AMGN$163.324$141.00$564.00$653.28$89.2815.83%0.08%
EFSI$29.5022$22.85$502.70$649.00$146.3029.10%0.08%
HSY$108.205.806$90.42$525.00$628.21$103.2119.66%0.08%
HFC$28.1422$23.50$517.00$619.08$102.0819.74%0.08%
ICE$60.2010$16.67$166.66$602.00$435.34261.21%0.08%
IDCBY$13.1045$12.18$548.10$589.50$41.407.55%0.08%
PDLI$2.25255$6.05$1,542.59$573.75-$968.84-62.81%0.07%
CCFN$47.2012$39.50$474.00$566.40$92.4019.49%0.07%
WTR$33.0917.045122$29.33$500.00$564.02$64.0212.80%0.07%
BACHY$12.1245$11.00$495.00$545.40$50.4010.18%0.07%
CLD$3.37158$9.44$1,492.23$532.46-$959.77-64.32%0.07%
RLI$57.229$57.00$513.00$514.98$1.980.39%0.07%
CAH$72.597$74.84$523.88$508.13-$15.75-3.01%0.07%
BCS$10.8146$14.02$644.92$497.26-$147.66-22.90%0.06%
SB$2.13233$7.99$1,861.40$496.29-$1,365.11-73.34%0.06%
NTTYY$42.9011$22.30$245.34$471.90$226.5692.35%0.06%
MPLX$35.2313$8.59$111.66$457.99$346.33310.16%0.06%
SAM$144.353$139.50$418.50$433.05$14.553.48%0.06%
MRO$14.8727$29.92$807.79$401.49-$406.30-50.30%0.05%
TRGP$55.137$27.35$191.42$385.91$194.49101.60%0.05%
IEMG$48.706.25$49.67$310.46$304.38-$6.08-1.96%0.04%
HNNMY$4.9061$6.53$398.52$298.90-$99.62-25.00%0.04%
RAD$4.0066$8.00$527.84$264.00-$263.84-49.98%0.03%
CPLP$3.4975$8.53$639.48$261.75-$377.73-59.07%0.03%
ATW$7.8333$15.00$495.00$258.39-$236.61-47.80%0.03%
LYG$3.6650$3.24$162.00$183.00$21.0012.96%0.02%
AMC$30.305.5556$18.00$100.00$168.33$68.3368.33%0.02%
DYN$6.4224$29.77$714.50$154.08-$560.42-78.44%0.02%
GSH$27.104.59$20.75$95.24$124.39$29.1530.61%0.02%
MVC$9.0411$8.84$97.28$99.44$2.162.22%0.01%
TSCDY$7.2311$14.33$157.63$79.53-$78.10-49.55%0.01%
PTR$70.250.97$99.24$96.26$68.14-$28.12-29.21%0.01%
QCCO$0.60113$3.63$410.25$67.80-$342.45-83.47%0.01%
VTI$122.610.50701$62.16$62.16#DIV/0!0.01%
BIVV$58.811$37.77$37.77$58.81$21.0455.69%0.01%
LGCY$2.0828$15.62$437.22$58.24-$378.98-86.68%0.01%
EVEP$1.5432$21.84$698.97$49.28-$649.69-92.95%0.01%
BK$47.061$25.01$25.01$47.06$22.0588.16%0.01%
GOOGL$924.520.0459$544.66$25.00$42.44$17.4469.74%0.01%
BPI$12.201$17.85$17.85$12.20-$5.65-31.65%0.00%
BKS$8.551$8.70$8.70$8.55-$0.15-1.72%0.00%
ALN$0.5515$2.11$31.65$8.25-$23.40-73.93%0.00%
LQD$118.990.02574$3.06$3.06#DIV/0!0.00%
VGIT$64.750.04206$2.72$2.72#DIV/0!0.00%
TIP$115.010.0189$2.17$2.17#DIV/0!0.00%
SJNK$28.040.04965$1.39$1.39#DIV/0!0.00%
VNQ$82.790.00867$0.72$0.72#DIV/0!0.00%
ZAHLY$0.0123$6.64$152.72$0.23-$152.49-99.85%0.00%
VCSH$79.920.0024$0.19$0.19#DIV/0!0.00%
FAZ$19.28-100$34.42-$3,441.54-$1,928.00$1,513.54-43.98%-0.25%
ERY$12.38-200$13.07-$2,614.59-$2,476.00$138.59-5.30%-0.32%
EDZ$16.35-200$27.57-$5,514.54-$3,270.00$2,244.54-40.70%-0.42%
TZA$17.27-350$21.62-$7,566.14-$6,044.50$1,521.64-20.11%-0.78%

My transactions in April are listed as follows:
StockActionCostPrice per share% of Portfolio
AZOAdd$4,174.00$695.670.44%
GILDAdd$530.00$66.250.06%
ANAdd$520.00$40.000.06%
MATAdd$500.00$25.450.05%
TGTAdd$500.00$53.510.05%
IJRAdd$495.60$70.800.05%
ESRXAdd$469.92$58.740.05%
SAMNew Buy$418.50$139.500.04%
NVSAdd$382.67$74.180.04%
NKEAdd$350.00$55.720.04%
NSCAdd$250.00$118.040.03%
BDXAdd$223.34$183.940.02%
VMIAdd$215.53$148.330.02%
BRKBAdd$200.00$165.860.02%
DISAdd$200.00$113.220.02%
EMRAdd$200.00$60.140.02%
KOAdd$200.00$43.560.02%
NNNAdd$200.00$44.600.02%
WMTAdd$200.00$71.830.02%
XOMAdd$200.00$81.330.02%
MCDAdd$150.00$132.640.02%
YORWAdd$141.39$34.700.01%
PEPAdd$120.65$111.830.01%
BUDAdd$100.00$110.420.01%
EXCAdd$100.00$35.970.01%
INTCAdd$100.00$36.050.01%
MSFTAdd$100.00$65.460.01%
SNYAdd$100.00$45.600.01%
SONAdd$100.00$53.300.01%
ULAdd$100.00$49.090.01%
PPLAdd$27.40$37.380.00%
SJIAdd$12.76$36.420.00%
VTIAdd$6.43$120.890.00%
VEAAdd$2.57$39.220.00%
VWOAdd$0.44$39.860.00%
LQDAdd$0.27$118.940.00%
VGITAdd$0.23$65.530.00%
TIPAdd$0.18$113.210.00%
SJNKAdd$0.14$28.460.00%
VNQAdd$0.08$86.960.00%
JOYSold Out-$3,848.80$28.30-0.41%
Bought$11,592.101.23%
Sold-$3,848.80-0.41%
Net$7,743.300.82%

Purchases
This month, I initiated new position in SAM and added to my positions in AZO, GILD, AN, MAT, TGT, and ESRX near 52-week low. The rest of my purchases are part of my monthly investment plans and DRIP.

Sales
The cash buyout of JOY completed, netting me $3,848.80 gross proceeds ($28.30 per share) for a cost basis of $1,705.04, a gain of $2,143.76, or 125.73% over a little over a year, not bad.

Here is how my assets, liabilities, and net worth have changed over the past month:

Beginning balance
on 4/1/2017
+ Cash inflow
/(outflow)
+ $ P/L= Ending Balance
on 4/30/2017
% P/L% Equity
ASSETS
Current assets
Cash12,268.69621.590.0012,890.280.00%1.32%
Bonds12,548.29181.2146.8412,776.340.37%1.31%
Stocks679,263.487,142.6314,149.92700,556.032.08%71.98%
Total current assets704,080.467,945.4314,196.76726,222.652.02%74.61%
Tax-deferred retirement account155,986.971,515.236,776.32164,278.524.34%16.88%
Roth IRA73,509.44(215.34)73,294.10-0.29%7.53%
Gold13,450.87205.7113,656.581.53%1.40%
Other non-current assets3,500.00(500.00)0.003,000.000.00%0.31%
Total assets950,527.748,960.6620,963.45980,451.852.21%100.73%
LIABILITIES & EQUITY
Liabilities
Current liabilities608.71(25.00)0.00583.710.06%
Long-term debt
Student loan6,554.460.000.006,554.460.67%
Other loans0.000.000.000.000.00%
Total liabilities7,163.17(25.00)0.007,138.170.73%
Equity (net worth)943,364.578,985.6620,963.45973,313.682.22%100.00%

During April, my net worth increased 3.18% to $973,313.68, due to investment gains (2.22%) and net cash inflows (0.95%). My net worth is now just 2.74% away from the $1 mil milestone.

Below is a chart of my net worth since I started tracking on a monthly basis:


My monthly performance against the S & P 500 is shown below:

2017My Portfolio ReturnS & P 500 TR
Jan2.39%1.90%Good
Feb2.08%3.97%Bad
Mar0.97%0.12%Good
Apr2.22%1.03%Good
YTD7.88%7.17%Good

I was trailing the S&P 500 by half a percentage point during the first 3 months of the year, but April proved to be a good month for me against the index and I am now ahead by 0.71% YTD.