The Investment Road to Freedom

June 30th, 2013 at 11:16 am

June 2013 – Month in Review

With June at an end we now look forward to the second half on 2013. My Investment Road to Freedom fund started the year at $13,899 and I am on course to double that by the end of the year. To add to that every month so far in 2013 my fund value has increased though a market drop would likely change that in the coming months.

New Purchases: None.

Sales: None.

Option Trades: $47.01

Coca-Cola (KO) – STO JUL2013 $39 put at $0.62 x 100. This earned me $47.01 after commission. This is in my Taxable account.

Option Trade Expiration Week:

Microsoft (MSFT) – STO JUN2013 $32 put – Expired.

Dividends: $26.16

  • Ford (F) – $20.00
  • McDonald’s (MCD) – $6.16

This is my best ever month for dividends beating March by $2.54. Total dividends for the year stand at $52.02.

Deposits: $809.80

Out of this figure $309.80 went to my 401K, $400 went to my taxable account and the remaining $100 to my Roth IRA. Total deposits for the year stand at $5719.72 or an average of $953.29 per month. My goal is $1000.

Investment Road to Freedom fund value:

The fund value stands at $19753.81 which is up 1.38% from the previous month.

The breakdown of the individual accounts show

  • 401k = $9034 +2.04%
  • IRA = $3213 +4.27%
  • Taxable = $5246 +8.86%
  • Other = $1702 -12.62%
  • EF = $556 -29.00%

Credit Card Debt: $4744.42 +16.69%

I need to work on lowering this.

Loan for Sofa: $593.03 -31.68%

We purchased a new sofa back in September with 12 months free interest. I’m decreasing this at a nice rate. This will be gone in a few months.

Car Loan: $34585.56 +0.37%

New Toyota Tundra purchased on Memorial day. Not paid a payment on this but refinanced it on Friday to my credit union. Rate went from 3.89 to 2.99% over the same term. The fees to do this explain the slight increase in amount.

Mortgage: $169521 -0.14%

Our monthly payment is $1391. The last payment is still pending. I expect about $239 to go to the principal.

Income from Pay: $3732.10

This is my take home amount.

Income from Credit Card Rewards: $125.06

$75 is from my American Express card and $50.06 from AMEX Costco card. I have earned $503.75 in credit card rewards this year.

Net-worth: $10247 +18.63%

The new Tundra took a huge chunk out of my Net-worth last month but I have managed to crawl back to 5 figures.

Lending Club:

I’m not including this in my Fund value. I have $75 invested so far in LC across 3 notes. I have just deposited another $25. I have received 5 payments so far – 4 have been completed on-time and 1 in the grace period. These 5 payments have totaled $3.60. Of this $2.34 is principal and $1.24 is interest and I have paid $0.05 in fees. I am looking to invest $25 every month until the end of 2014. At that point I will re-evaluate my view of the Lending Club.


Was really hoping the Investment Road to Freedom fund would break $20k this month but I fell short due mainly due to the bullion section of my fund taking a hit and a drop in my EF. June did see my best month ever for dividends. My total income from dividends, options and realized capital gains stands at $388.81 for 2013. Hope everyone had a great month!



  • All About Interest
    5:53 pm on July 1st, 2013 1

    Slow and steady wins the race, keep it up! I also like the put you sold on KO. You can’t really go wrong selling puts on KO. They are one of the rare buy and forget about it type of stocks.

    6:52 pm on July 1st, 2013 2

    I’ve always liked KO since I got into investing. If the put expires or if I get assigned I’m in a good position. Thanks for stopping by!

  • $25000 Dividends
    6:42 am on July 27th, 2013 3

    Keep at it. Those dividends will grow dividends. The power of compound will soon begin.

    9:08 am on July 27th, 2013 4

    Thanks $25000 Dividends. I just wish I started sooner!