Dividend earnings update #2 | July 2017

dividend earnings

Welcome to the 2nd dividend earnings update of 2017.

As I was writing this post, I couldn’t help but wonder how many dividend earnings reports I’ll eventually end up publishing before I actually reach FI.

As stated in my ultimate ambitions blog post, my long term goal is to build a dividend income portfolio that generates at least $2,000 per month. Once I reach that goal, I plan to resign from my day job to work from home as a dividend investor and blogger.

With that monthly figure in mind, I estimate that approximately 100 to 200 dividend income updates will be published before I reach FI. Hence why this dividend income update is named #2.

It’s an interesting way to view dividend investing, but it doesn’t take away from the fact that it could easily take 10 to 20 years to achieve FI depending on my savings rate.

On the other hand, I really enjoy the process so I don’t mind putting in the work. As much as I enjoy the analyzing and buying of stocks, publishing my dividend earnings is becoming my most anticipated post to write about each month—it’s an enjoyable part of the process too.

I’ve made numerous attempts to create a successful ‘monthly’ segment that tracks statistics in one form or another. I started this tradition off by documenting my day trades and blogging the percentages of profitable trades versus losing trades.

In addition, there’s the monthly blog traffic reports that track the page views of the blog.

I also did attempt to publish dividend income updates in the past, but failed because I wasn’t working. Frankly, I wasn’t earning enough income to add to the portfolio during my year off.

However, now that I’m back to work, I’m extremely motivated to see the monthly income grow, and I secretly always wanted to be a dividend blogger.

Although I’m still in the early stages of building this cash flow machine, I’m counting on frequent purchases and a business-like approach to reach my long term goal.

I expect that the income will consistently increase because of my frequent AF purchase plan.

Based on one of the REITS I’ve started to build a position in, every $24 has the power to add $1.41 in annual income. It’s that simple

With that said, below is my total dividend earnings received in July 2017.

Dividend Income Update #2 | July 2017 #dividends #investing #blogging #FI Click To Tweet

Dividend earnings in July 2017

Total income from dividends in July 2017 — $6.34

Increase over June 2017 (MOM) — $2.07 (48.5% increase)

Dividend income in July 2016 — $22.14

Compared to July 2016 (YOY) — Down -71.4%

Total dividend income in 2017 — $10.61

Total dividends received all time (since 2012) — $1,324.92

How many businesses paid in July 2017 — 2

dividend earnings
Dividend Business 2012 to August 13, 2017

Dividend business earnings analysis and final thoughts

Ultimately, dividend income updates are published on this blog to document my progress to FI. However, I also aim to show a different way of thinking about investing in the sense that it I view it as a business.

You shouldn’t be reading this reports and thinking Graham @ Reverse the Crush only got $6.34 in dividends this month. You should be thinking — wow, 48.5% is a fantastic month over month increase for an early stage business.

Though the YOY dividend income is down, the forward dividend business is beginning to look somewhat substantial.

In fact, the forward dividend business is already projected to generate double digit earnings in the coming months. Not to mention that September will be the first YOY increase of 2017!

Moreover, I’m satisfied with the rate of growth achieved from a month over month perspective.

Through consistent purchases and focussing on companies that pay 4.00% and up, I anticipate that this business will continue to grow fast.

Look out for the August dividend earnings update to be published later this month.

Otherwise, thanks for reading!

Two reports down, only one hundred or so more to go…

Questions for the readers: Have you thought about how many more dividend investing updates you will publish before FI? How was your dividend income for July?

8 Comment

  1. Everything has to start somewhere. While the total may be low now, you have started working towards your goal. That simple act has put you far ahead of most people, since most never start working towards what they want in life. As you head down the path, remember that as long as you never stop you will be ever closer to freedom.

    I should start posting my dividend updates too.

    1. Graham says: Reply

      Thanks for the support, Mr Doubling Dollars! That’s a very important point you made about the importance of having a defined goal. I agree that it puts you a step ahead of most that don’t have goals. I’ve been thinking about this lately. I think some people want to be entertained, and others like to create for their entertainment. Also, I’m super grateful for any small amount of dividends I get. I know it takes time but but the snowball will continue to build.

      As for you blogging your dividends, why not? I think dividend investing could definitely fit in with your blog already with the money, frugality and side hustles side of things. Thanks again for reading and commenting. Have a great week!

  2. Mr ATM says: Reply

    $2000/mo is a very respectable dividend income target. You don’t have to be making lots of money to retire early, as long as you have a stable cash flow coming in to cover your essential expenses, rest you can build up over time. Nice thing about dividends is that they grow over time 🙂

    You can always work part-time or do side gigs to earn extra cash as needed. There are options.

    Take care,
    Mr. ATM

    1. Graham says: Reply

      Hey MR. ATM,
      Thanks for taking the time to comment! I agree that $2,000 per month is a very achievable and respectable target. It’s true that you don’t have to be earning a lot to reach that goal. The great thing about keeping your expenses low is that it you don’t have to save as much to reach FI. And I love that you mentioned the options at the end of your comment! That’s exactly what I’m working towards. Although it may take 10 plus years to grow the dividends, it’s possible that I retire early with half the dividend income and take a part time job or work on side hustles through blogging instead. The ultimate goal is more time and freedom to work on what I care about most. Have a great week! 🙂

  3. Thanks for showing your results! I love reading about those dividends pouring in for people. The amount will be increasing dramatically as you build throughout the years. I’m thinking about reporting the same on my blog as I share the love for the divi’s. Good luck and take care!

    1. Graham says: Reply

      Hey Mr. Defined Sight,
      Thanks for the support! I enjoy reading about other bloggers dividends too. I find it really motivating. If you do decide to start blogging your dividend numbers, I would definitely be a reader and supporter. Good luck to you as well! Have a great week!

  4. I like the concept of keeping count of your dividend updates until FI, makes it feel more real each time that you’re getting closer and would be good motivation to stay the course. Have you messed around with those FI calculators to get a monthly/yearly investing amount to reach your goals in the time-frame? Sorry if you’ve already mentioned that somewhere 🙂

    Your reader question – Based on our rough goals for FIRE (Although might be working from home or part-time, expenses partly covered by dividend income but potentially not fully – we don’t have a strict plan yet) we should have about 120-140 more monthly dividend updates – about 10-12 years worth, exciting but also “ouch” at the same time haha.

    Mrs DDU

    1. Graham says: Reply

      Hi Mrs DDU,
      I agree that keeping count of the dividend income is motivational. I really enjoy analyzing and documenting the process. Regarding those calculators, I have used them in the past to map out a similar 10 to 12 year time frame, and I don’t think I have mentioned that before on the blog. The other thing I should mention about my plan – the amount that I’m contributing will increase a lot more in about 2 to 3 years from now. By that point I’ll have more cash flow available to invest since my student loan will finally be paid off lol. That and year-end bonuses make it challenging to predict.

      Thanks for answering the reader question. I also look at this as creating opportunities for even 5 years down the road. Perhaps it’s possible to be earning some money through blogging, a few thousand in dividends and have a part time job 5 years down the road. Thanks again for commenting and good luck with your goals!

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