Monday, April 1, 2013

3/31/2013 - Monthly Financial Breakdown

The Ninth Unemployed Monthly Financial Breakdown.
Well, another month has passed and this means I need to do a financial breakdown. This past month went well enough...Lets see how it went. How much is Van dwelling in my VW Westfalia saving or costing me?
Previous Monthly Financial post here
Now that the vacation costs are out of the way, it is back to normal for me and my budget.

If I sum up total expenses from 3/1/2012 through 3/31/2013 I get -$430 :-) A rough calculation would put my yearly expenses at $5160. I was under the 11K mark!!
Regular Food costs: -$300 or -$75 per week (normal-ish)
Fun Food Costs:  -$10 or -$2.5 per week (Ate out once)
Fuel: -$53 or -$14 per week (Not much driving, mainly the return trip from the springs)
Van: -$0 (No car projects)
Travel: -$0 or -$0 per week (Next vacation is to Yosemite in June)
Insurance: -$160  per month   (Reduced Van Insurance and health insurance)
Clothing: -$0 (Nothing new in February)
Misc: -$64 (Junkyard parts, Taxes, medical bill, mailbox mail)
Mailbox:  -$15
Gifts: -$0 (zip)

Things that were not necessary this past month: Not much, maybe the one fun food expense and the mailbox mailing and the Tax filing costs.  This brings my luxury expenses to $106 and necessary to $330 Yikes!! Without the luxury for this month, my yearly is at $3960... :)

Ok, clean out the unusual stuff and do a monthly for the rest
Regular Food and fuel: -$300
Mailbox only:  -$15
Insurance: -$160 
Clothes: -$0
Van:  -$50 (minor maintenance next month)
Fun: -$25 (very reasonable)
Yearly expense estimate with the new numbers: $6600

Estimated to be under my 11k mark again for April.

Another Unemployed month but my expenses were great. The eye exam bill came in under my estimate which was a nice surprise.
Here is the status of my dividend income:
I have a running total of yearly expenses which I base my numbers off of so if my monthly goes up my dividend income against it decreases in value.
Since I re-aligned my investment strategy I've been putting extra cash into dividend paying stocks and other investment opportunities.

 Last post it was at 47.63%. Previous Monthly Financial post here

Current level is now estimated at 41.88%

Progress is negative, My plan for April and the rest of the year is to put any spare cash that I receive into dividend stocks and trim expenses. Such slow progress and the market has not been very favorable. Currently in the red on several stocks but many are improving, I am still optimistic though. 
I recently sold two very large positions because they reduced their dividends to levels below some of my more productive stocks. I will transfer the balance into the productive ones. 

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