After signing for house construction in April 2017 and it was finally closed on 2/26.It was supposed to be closed earlier last week, but it was delayed as I didn’t receive my final CD.
This is the first house we bought.We are Excited and Nervous as hell .
We did a simple housewarming afterwards.
This was reason why I was not aggressive in investing in stocks.I was holding it for down payment.Still few things pending like move utilities and getting communications to house.
My first Mortage payment will be on April 1st .
Its little late,but i want to set my Goals for 2018.
These are not just financial goals.I am including Some other Development Goals.
One of My top Priority is Getting in Shape.As part of this i am including physical Goals.
GYM: 120 workouts
Last year in November as part of Groupon deal i started going to Gym,I did 12 Workouts in 2 months.This Year i am planning to get to 10 Workouts a Month.
My Fitbit Average for last year is 5.8K steps a day,would like to Bump it up to 9K steps a day.
Investment : Maxout Both 401k and Roth IRA.
Last year i was able to max out Roth IRA,but came up short on 401K due to Calculation issues. It will be interesting this year ,as i will be closing my house next month Hopefully.Still trying to MaxOut.
Courses: Finish a Course from open course or coursera. I will be picking up the course soon .I would like to invest in myself and maybe if posisbl
Dividends : I am setting up a Goal of 9K Dividends in All my accounts.Starting from this year i will include my Retirement Accounts Also.If i include all Accounts in 2017 i was at 7.3K in dividends.
Website Views: In 2017 i was able to attract close 5K total Views.Maybe we will double it this year.
What do you Guys think.
I wish everyone of the DGI Community have Merry Christmas and Happy Holidays.
With some of the dividend funds available i bought T and FLO in my accounts.
Bought 4 shares of T at 35.50 for 142 This will add another $7.96 to my annual fund.
Bought 1 share of FLO at 17.61 and this will add another 0.68 to fund.
These are purchases in my retirement account and taxable account.
VFIAX: 1.02 Shares at $228.59 will add close to 4 dollars in dividend
PABGX: 0.867 share @89.83 will add close to 40 cents in dividend.
VIMAX: 0.4387 Shares @ 178.21 will add around 1.2 dollars in dividends.
VSIAX: 2.98 shares @ 52.32 will add another $ 3 in dividends.
VTMGX: 17.1 shares @13.65 will add another $6.2 in dividends.
A total of 750 dollars was invested this period.
Getting close to the yearly limit .
This will add another 15 dollars my annual fund.
I have 2 free trades expiring in my Scottrade account and had some funds from dividends.
So I purchased 5 shares of CSCO at 30.68 this will add another $5.8 to my fund.
Bought 6 shares of BTG at $2.51 to average down. My price.
This morning I bought 10 shares of Kroger at 23.16/share ,this name popped up on my list as Dividend Diplomats bought the stock.Dividend income from last 2 months is used to buy these stocks.
It costed me 4.95 to make this purchase and this will add another $5 to my annual dividend fund.
Finally after 3 months of search we found a builder and Plan that fit into our liking . As the Frisco real estate market is hot and houses which satisfy our requirements were tough to meet,for examples in this community out of the 30 or so lots available for this particular builder we found just 1 to be perfect for our criteria and 2 more workable.
This was above my upper limit ,but with builder incentives and realtor cashback we made it work.During the 3 months we visited close to 10 to 12 builders and different subdivisions,Some of them were above price range or the price/sq ft was above the market ,or not close by. We were about to sign with the same builder,but a different subdivision and right at the moment i receive email form this property that they are opening new subdivision and would you like to visit, 5 mins later i reply with a time to visit and someone else already Booked that slot.
Even before we visited we prepared looking at the plot online, model to save time,we were so ready to sign the house without any price negotiation .
There were some hiccups like lot premium that was not on website .
After signing the house we went through design experience which will be another post.
Name may sound that i am not doing frugal living by trying out expensive services,but after you read this you can see the deal . Also i love to try all new services like this ,when we were in California,i tried Amazon Prime Now,Grub hub,Hello fresh and Winc Wines.Most of the times, there is really good discount for trying out the first time.
As many of you are aware that T-Mobile is doing T-mobile Tuesday freebies.Some of the freebies are really nice like $2 movie tickets, 0.25 cents of gas/gallon etc.This week they were offering $10 off groupon local and i started searching how to use it on groupon and then i Found this deal which was offering 40 dollars worth of groceries for $15 Bucks.
Even better was is there is no service delivery fees for 1 year,it seems they might recently entered the Market or so. Currently few stores are in my market like Kroger,tomthumb or Costco.
We decided to try from Costco as we don’t have Costco membership.There is definitely mark up on the prices by instacart.Ordering was easy and time slots /availability was good.
Overall I think we got 50% or more discount on the price.I don’t think I will order again with service.It might work people who don’t like to shop or have time to shop.
So what other services did the DGI community try out.
With loyal3 moving to premium model,I decided to move bigger positions to my main trading account and close minor positions.
With that being said I started the process on may 5th and finally showed up in my account on may 19th ,it took close to 14 days.
Its missing the price paid so far.Need to follow up with Loyal3/Scottrade to resolve the issue.
Following are the shares transfered.
22 shares of KO.
22 Shares of DIS.
16 shares of MSFT.
17 Shares of WMT.
This should reduce the number of accounts to monitor by 2.
So where are you guys moving from loyal3.