December 2019 Dividend Income Report - $235.94

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Welcome to the thirty-second (#32) dividend income report, covering earnings I've made from dividend-paying stocks and peer to peer lending in December 2019.

Last December we spent some 10 days in Latvia, unfortunately, global warming has hit Latvia too and instead of snowy meadows and white fir trees, all we got was some gray haze and green grass.

Christmas tree 2019

Christmas tree 2019

Every citizen is allowed to cut one fir tree from Latvian State Forests (Latvijas Valsts meži), there are rules that apply, but here we got our Latvian tree (we have another live tree in Tbilisi)

The last December was quite OK in terms of dividend income. Also, I almost recovered from my bad option trades I was hit last November.

At the end of the month, I have collected $235.94 from dividend stocks and Mintos peer to peer lending platform.  Compared to the previous December in 2018, that is a growth of 47.11%% (+$75.64). I really love such YoY growth

Disclosure: This article contains affiliate links to peer to peer lending and options trading websites, by clicking on links on this page and by making investment or, I might earn affiliate income at no cost to you. Also, I'm not a financial advisor and I don't give you any advice, I'm just sharing my own experience. Investments in stocks, funds, bonds or cryptos are risk investments and you could lose some or all of your money. Do your due diligence before investing in any kind of asset. 

An additional $527.90 was made from options trading (mostly vertical spreads on SPX, GC and a few puts and calls on stocks I own or would like to have). As options trading is not a passive form of making money while you are sleeping it wouldn't be fair to include them in dividend income reports. 

Last but not least, last October I traded options on cryptocurrencies using Deribit platform, which resulted in an additional $164.14

When counted all together (dividends + options + crypto options), it seems I have made $927.98 in total last month. That's slightly less than my plan for Q4 2019 (the plan was to make at least $1,000/mo from the market), but I will take as I was pretty cautious last December and did not overtrade.

Effective income yield last December was 2.75%  That's about 33% annually.  I believe I should stay in this range. From dividends + active trading taking 30% year seems very doable. Actually I took almost 29% yield in 2019, see: 2019 in Review and Financial Goals for 2020

Interest income in December 2019

From the stocks and peer to peer lending  I got following income last month:

Ticker Earnings
PEI €47.99
WPG €45.70
Mintos €42.91
NCN1T €24.00
EDF €13.71
EDI €11.51
VTA €9.28
RA €9.10
CLM €5.48
NCV €3.80
ATRS €1.76

Total: EUR €214.49 / $235.94

In total there were 11 great companies paying us dividends in December 2019, that's 1 company more than in December 2018

Mintos has slipped to third place in terms of interest income generated Review After 24 Month of Investing in Peer to Peer Lending

Monthly income

I've been tracking my journey towards million dollars in a savings account since January 2017. The result, so far, looks quite good. Dividends are growing. 

Monthly dividend Income chart as of December 2019

Monthly dividend Income chart as of December 2019

The cumulative earnings for 2019 now are $2,591.22  which is exactly 126.71% from my goal of 2019 ($2,045). Awesome I have beaten my yearly goal by extra $546.22. Isn't that awesome? 

2018 in Review and Financial Goals for 2019

Goals for December 2020

This is my favorite part of the reports - trying to forecast/set goals for the next year. But before setting a goal for 2020, let's see what I forecasted/said a year ago (December 2018)

Now, when setting goal/forecast for December 2019 I have a $240 goal for December 2019.  From today's perspective looks very possible. 

Now, I didn't reach my goal by some mere 5 dollars, but I will take it. Sometimes it happens. As long as there is a growth YOY I'm a very happy hippo.

When setting goals/forecast for December 2020 I have a $310 goal in my mind. From today's perspective looks quite doable.