2021 GOAL SUMMARY & 2022 GOALS

Another year over and it's time to look at the goas I set myself for 2021 and see if I achieved any of them.    I also will set out a plan for my 2021.    

Doing this on the internet forces me to achieve these goals in utter fear of making myself look like a fool for the eternity that is the internet.     So here goes!   

The results are in BOLD

2021

FINANCIAL GOALS

1. Add $10,000 to my investment account.   This will be easy  - ADDED $16,880  THIS ONLY INCLUDES WHAT I CONTRIBUTED FROM MY PAYCHECKS 
2. See my dividend income increase by 10% from 2020.  Now that we are through the main evil of COVID, I think this is doable - WINNER WINNER CHICKEN DINNER!   2021 DIVIDEND INCOME INCREASED BY 15.05%
3. Save $8,000 for bills in 2021.  That's $21 per day. - DONE.  DOUBLED IT WITH $16,176.58  I AM NOT INCREASING THIS AMOUNT, BUT WILL PAY IT FORWARD.
4. Fulfill my goal of buying the equivalent in shares of what I spent in 2020 at the following:

I did not fully succeed, but got close.  I actually sold quite a few shares of Starbucks to float the cost to  move my mom and did not fully reimburse it.  Same goes for Target (my favorite stock to buy, and Kroger (a store I would rather not go to (QFC), but is closest to my house.  Their quality of foods and upkeep of the store have tanked and the employees honestly do not give a crap whatsoever)

As with the overages, all of these balances roll over to 2021.  That means I have quite a bit to make up for with all three of these in 2022

PERSONAL GOALS

1. Go to Hawaii for 10 or more days.  I need beach - 14 DAYS IN PARADISE WAS MUCH NEEDED
2. Exercise more.   Walk 10,000 steps per day - GOT AWAY FROM ME... AVERAGED 7,000 STEPS A DAY.  THE PAST 2 MONTHS TANKED ME
3. Drop about 30 lbs.  I am at 204 lb this morning of 1/1/21.  My doctor wants me to slim down.  My pants do too.  It's made my blood pressure creep up.  At 5'7", I need to be much lighter.  The walking will help.  So will goal # 4....  - I PREFER NOT TO SAY A THING, BUT I WAS DOWN TO 180 (24 DOWN) IN SUMMER, BUT ONCE SEPTEMBER AND THE HOLIDAYS HIT, IT ALL CAME BACK.  204 TODAY
4. Eat very little sugar. - I LOVE SUGAR.  NEXT
5. Sell off more of my record collection.   I am out of room.  - SOLD QUITE A FEW OF MY LARGER BOX SETS FOR A NICE PAYOUT, BUT I REORGANIZED AND "FOUND ROOM".  THE COLLECTION STILL GROWS.
6. Make more music and release an album. - DID NOT RELEASE AN ALBUM, BUT CREATED OVER 20 SONGS.
7. Work on front yard garden.  - THE GARDEN LOOKS AMAZING.  PLANTED SOME RASPBERRIES, BLUEBERRIES, AND LOVEAGE PLANTS IN THE SPACE.

2022

FINANCIAL GOALS

1. Add $10,000 to my investment account.   This will be easy.  I plan on 12K. 
2. See my dividend income increase by 20% from 2021.  Totally doable.
3. Save $8,000 for bills in 2021.  Already done!  Paying it forward for 2023.
4. Fulfill my goal of buying the equivalent in shares of what I spent in 2021 at the following companies. 

Done with Mcdonald's already, but have a big mountain to climb with Apple and Target.   This will be a challenge.

PERSONAL GOALS

1. Vacation for 2 weeks away from home.  Yellowstone is a goal.
2. Walk 10,000 steps.  I plan on walking for 30 minutes per day minimum after work and adding blocks by going faster.
3. Drop at least 50 pounds. With my height, my "ideal" weight is 148.  That's  a challenge.  But I have a plan to make it there this year.
4. 1 hour workouts 3 times a week
5. Sell more records and replace them with ones I have always craved.
6. Release an album of dark, industrial ambient, downtempo music.  It's a thing: "Illbient"
7. Grow enough salad greens to eat salad for half the year.  

I will see how this is going next month!

NOVEMBER 2021 DIVIDENDS

The year is almost over.  So fast.   It's only 3 weeks to Christmas.  

 I love this time of the year.  Full of turkey and fixins to the point of being sick of it.  Christmas lights and tree is up.  Weather is cooling off and being cozy d fun.

You know, I always "love this time of year"....   There is no time I hate.  So let me just move on...

I love life, so each month is great.  I love my family and home.  

To love the home even more, I decided to paint it room by room.   Here's my basement bath with a fresh coat of Sherwin-Williams' "Olympic White".   It seems light blue but is actually a light gray with some blue. And has "white" in the name for no good reason.   But is sure makes the room pop.   It's a lot closer to a Robin Egg than the picture. Very relaxing in the jetted tub to wind down at night.

What I really love is consistent dividend income.  Getting a few payments per week always results in weekly opportunities to reinvest the money into one of the companies I hold to speed up this income snowball.  

🏂

In November, I earned $1,066.79 in dividend from 32 payments.  This only a 3.2% increase from the $1,035.51 I earned in 2020.  But that was the time I did some major shuffling of the portfolio. 

Beginning next month, and especially in January, these results will really jump as I have added a quarter million dollars in new investments. Really.. Soon, I will be at averaging $2,000 per month in dividend income.  This is when the compounding really starts to take off!

Once again, my big haul is from AT&T (T) and Omega Healthcare Investors (OHI).  Moving forward, I 'll be seeing more parity as I have invested in 86 companies in November.

NOVEMBER 2021 BUYS BUYS BUYS BUYS...REPEAT

EPIC.

November 2021 will go down at the single most epic month of stock purchases in my life.  Hands down.  

91 purchases of 86 companies...   $277,613.39  invested.  Increasing my annual dividends by $9,742.77.      A 3.51% yield out of these purchases.

That's epic.    I put the hammer down!

How do I normally pick what to buy?  In a normal month, I screen for a few parameters to ensure I find the best value.  These are listed in importance to me.

• A TRACK RECORD OF DIVIDEND INCREASES

This is the most important requirement to be a dividend growth investor.  

• A LOW P/E RATIO

A look into the Price to Earnings ratio is a good way to see if the stock is under or overvalued.   It's the ratio of the share price to the companies' earnings per share.  It's the price of expecting a profit in the future.  Currently the S&P 500 is at about 28.  I look for 22 and lower.

• A LOW DIVIDEND PAYOUT RATIO

Can a company sustain their dividend and have room to raise it?   A company that is paying out a large majority or all of their profits have a hard time keeping up their dividend.  I look for under 60%

• AN EARNINGS PER SHARE GROWTH OF 5% OR MORE

I am hesitant of a company that is stagnant and has difficulties growing.    

• A LONG TERM TRACK RECORD OF EPS GROWTH

If a company has a long track record of growth.  Of course, the pandemic messed this  all up.  So I have been looking for strong recovery.

• A LOW PRICE TO EARNINGS GROWTH

• A MARKET CAPITALIZATION OF $3 BILLION OR MORE

Normally, I follow these parameters.  This is not a normal month.  This is abnormal.....    

I decided to add to most of my positions. Not all, but most.  Since all of them had pretty much passed my screener, adding to them makes perfect sense.   I did not want to sit on the funds and take forever screening so many stocks.  I also did not want to sink most of it in one or two companies.  

I decided to increase my holding for most of my stock to about a $5,000 cost basis.  I used to stop at $4,000 for most of my holdings.  Adding a thousand to that max made perfect sense and I did not want to wait for all of them to be at the ideal price.   Time in the market is better than timing the market.

Of course I had a few that I went beyond the $5K limit.  These were mainly the ones I had sold earlier this year to cover my mom's care.  I got them back to what they were at before that went down.   

My biggest buys were:

• 91 shares of Target (TGT) adding $327.60 to my annual dividends.
• 51 shares of Williams-Sonoma (WSM), adding $144.84 to my dividends per year
• 33 shares of Microsoft (MSFT), adding $81.84 to the dividends.
• 2,550 shares of Whitehorse Finance (WHF), adding a bad-ass $3,621 per year in dividends.

That WHF purchase was because I did not want to add to positions of some of my holdings at this time.  It was the last $40,000 of the cash I had to spend on this fun adventure.

Here's  link to the buys.   Enjoy.

BUYS NOVEMBER 2021