Monday, September 30, 2013

September Recap

I feel like I've been on autopilot for a long time and somehow managed to stray from my frugal roots.  This month I challenged myself to see if I could increase my savings rate.  All I did was drive less, eat at fewer restaurants, and curb energy drinks.  It feels good to save additional capital and be motivated again!

DOW: 15,130 /// S&P 500: 1,682 /// 10-YR BOND 2.62%

New Purchases:
1) 26 shares PM at $83.84.  $88.40 annual income (the dividend has since increased)
2) 36 shares KMI at $34.66.  $57.60
3) 22 shares BAX at $66.84.  $43.12

1) 92 shares INTC at $22.98 ($82.80) annual income

Dividends Received: $539.90
Intel (INTC) $41.40
ConocoPhillips (COP) $41.40
Southside Bancshares (SBSI) $14.28
Southern Co (SO) $14.72
iShares Emer Mkt Bnd (EMB) $2.76
Chevron (CVX) $29.00
Emerson Electric (EMR) $22.55
Exxon Mobil (XOM) $10.71
Johnson & Johnson (JNJ) $39.60
Lorillard (LO) $46.20
Norfolk Southern (NSC) $29.64
Avista (AVA) $47.89
Exchange Income Corp. (EIFZF) $17.28
Linn Energy (LINE) $24.16
Realty Income (O) $15.61
Realty Income Series F (O-PF) $6.76
McDonald's (MCD) $43.12
LTC Properties (LTC) $26.06
Owens & Minor (OMI) $21.36
Pepsi (PEP) $45.40

Dividend Increases:
1) O: $.1815417 to $.1818542 per month.  $.36 annual income
2) PM: $.85 to $.94 per quarter.  $37.44
3) MCD: $.77 to $.81 per quarter.  $8.96
4) WPC: $.84 to $.86 per quarter.  $1.84

New Deposits:
$1,100 to taxable account; $50 to Lending Club

Lending Club Interest:


  1. Congrats, very nice month!

    I just saw this morning that LTC is giving us a nice 9.7% raise. That's something I can get used to and enjoy with some of my holdings. So, we already know we are getting more from LTC and O each month along with MCD raise for December just to name a few

    1. Yes October started out with a bang! Very pleased with the LTC Properties and Kraft Foods increases. I was actually kind of worried because KRFT hadn't announced a quarterly dividend yet. Turns out the CEO made good on his word.

  2. I always chuckle and laugh at the dividend increases for O. Gotta keep that streak going.

    1. Haha, I know what you mean. They receive modest contractual rent increases over time and share the increased cash flow with investors. I don't expect large dividend growth with Realty Income however. Maybe if they acquire a bunch of properties through a favorable deal or something.

  3. A great month for you! Some solid purchases, a few dividend increases, and a very nice chunk of dividends received. Well done!

    1. Thanks DGM! It's always a pleasure when you stop by.

  4. CI,

    Great month! You killed it on the dividend income. When I first started, $1,000/mo was about all I could afford to transfer to the brokerage account. Now, we're seeing $500+ in totally passive income some months. Progress is wonderful!

    Best regards.

    1. Yep. I distinctly remember getting excited seeing passive income (dividends) hitting my account. It used to be exhilarating! While the fun of it is long gone, the compounding continues. Our passive income streams are both equivalent to a part time minimum wage job now o.O ...and we're only 3 years in!

  5. CI, I hear you on savings. I am trying to do the same as I see so many great opportunities on the market these days that I want to have more available cash to invest.
    Thus my first step towards that goal is debt elimination as it eats up 3.5 k annually on interest only (it was 5k circa 6 months ago). Can you imagine how much I could have saved if not paying this killing interest?
    Well you had nice month I guess. Great dividend income!