Economy/ ekonomija

When it hits you in the head / Kad ti od glavu udari

~ au

A person I know had, for me funny not to say unbelievable, discussion regarding money. The withdrawal of the rent had been delayed/ forgotten and now suddenly 4 months of rent had been withdrawn in the same month. For me that would only mean that the money for rent had been at my account for 4 months but for this person it showed a fat minus on the account. Suddenly the person was in dispo (with interests of 13%) – 600 Euro which is quite a sum to be in minus with…especially if one is not earning much and it is not even a week since the last salary.  The best is the absolute resistance confessing that it was its own fault having no money. Reminded me of the post I once wrote that people should take more care of their own economy by structuring it. So what do we learn of this?

  1. have control of your bills
  2. keep a budget
  3. Save (until you have at least 3 months neto salary cash)

Imala sam jednu jako smiješnu, za mene prosto nezamisljivu, diskusiju oko novaca.
Slijedeće se desilo: Kirija nije četri mjeseca povućena sa plate bila, ergo osoba je ovaj novac potrošila. Eh  sad, naravno kod švaba nema toga da se nešto ne plati hem skinu četri kirije u jednom mjesecu. Ovo je dovelo osobu do ludila jer je odjednom bio debeli minus od -600 eura na računu. A minus je ovdje gadan jer su kamate od 13 % i dalje. Ovo je pogotovo gadno ako ne zarađuješ puno jer ti je tek onda svaki dinar važan.
Haj sve to, ali najzanimljivije što osoba nikako nije htjela da prizna da je to ipak njezina greška što nije imala para na računu. Ovo me podsjetilo na jedan stari post koji sam pisala o strukturiranju svoje ekonomije. Šta od ovoga možemo naučiti?

  1. Imaj pregled tvojih računa
  2. Drži budžet
  3. Štedi (dok ne budeš imala barem tri mjesečne neto plate )

2016 summary of our portfolio/ 2016 Ažuriranje naših portfolia

~ au

It is really motivating me to see how perseverance in doing one thing slowly takes you towards the set goal. My ultimate goal (when it comes to stocks) is to get 100 000kr dividend per year. Next goal is to get 5000 kr and then 10 000kr dividends per year.
Last year we had in total (Ada´s + my portfolio) a total of 783 kr.
This year we had in total 2373 kr. Some stocks are in Swedbank account so you cannot see them here. This year the sum will increase because I have bought stocks with respect to their dividends and they are distributing them mostly in the beginning of the year. Already now, doing nothing, the sum should be around 3000kr. All of the money will be reinvested.

Dividend month / Stock Zlatana Ada
January
Sagax Pref x x
Sagax D x x
Fast. Balder Pref. x x
Mars
Axfood x x
SEB x
April
Sagax Pref x x
Sagax D x x
TeliaSonera x x
Fast. Balder Pref. x x
Cloetta B x
ICA-Gruppen x
Intrum justitia x
Maj
Acando  B x
Mycronic x x
Björn Borg x
H&M x x
investor x
July
Sagax Pref x x
Sagax D x x
Fast. Balder Pref. x x
October
Sagax Pref x x
Sagax D x x
Fast. Balder Pref. x x

Meni je baš motivirajući vidjeti kako upornost u jednoj stvari polako ali sigurno vodi prema postavljenom cilju. Moj glavni cilj (što se tiće dionica) je da dobijem 100 000 kr dividende godišnje. Slijedeći cilj sada je uspijeti dobiti 5000 kr pa onda 10 000kr godišnje.
Prošle godine smo ja i Ada ukupno dobile 783 kr dividende. Ove godine smo dobile 2373 kr. Neke su dionice na Swedbank računu tako da se ovdje ne vidi. Ove godine će se suma dividendi povećati jer sam kupovala dionice koje dobru dividendu dijele. Već bi sada, ako ništa ne uradim, trebala dobiti oko 3000kr dividende ove godine. Svu sumu planiram da reinvestiram u nove dionice.

November – stock updates / novembar -ažuriranje dionica

~ au

First month having two children has passed and I have been thinking of their future and their savings. I decided to make one portfolio for the children, instead of separated accounts, because it feels more fair to share the stocks at two at a given point than having to portfolios where one maybe is very good and the other is bad.
So Ada´s and Adrian´s portfolio was updated with 5 Axfood, 10 Cloetta B and 2 Sagax D stocks. This adds 34 kr (incl. tax) to the dividend per year. The dividends will be reinvested until Ada´s and  Adrian´s time comes to inherit these stocks.
My portfolio was updated with 9 Axfood, 5 of a new stock – the Intrum Justitia and 42 Sagax D. This adds to some 170 kronor per year.
As I said previously I have a dis-balance in the different areas that I have invested in which makes quite big fluctuations once one of these stocks goes up or down.
To avoid that I am thinking of which stocks to buy. I would be interested in some that have something to do with water so if anyone knows any stocks I would be interested to hear about itaktie-december-2016Prvi mjesec sa dvoje djece je prošao i razmišljala sam malo o njihovoj budućnost I štednji. Odlučila sam da ipak samo jedan račun imam za njih dvoje. Osjeća se malo poštenije u slučaju da jednom padne vrijednost dionica a drugom se dignu. Ovako djele na dva.
U novembru mjesecu sam u dječiji portfolio kupila 5 Axfood, 10 Cloetta B i 2 Sagax D dionice. Ovo ukupno daje 34 kr (sa porezom) dividende godišnje.
Dividende će I dalje biti reinvestirane u nove dionice dok ih ne budu djeca dobila.
Za sebe sam kupila 9 Axfood, 5 Intrum Justitia I 42 Sagax D. Ovo dodaje oko 170kr (sa porezom) godišnje.
Kao što se vidi dosta je velik disbalans u raznim tržištima koje imam što dovede do velikih promjena ako jedna od dionica padne/ naraste.
Da bih to izbjegla razmišljam koje bih još dionice kupila. Zanimaju me neke što imaju veze sa vodom, tako da ako znate bila bih zainteresovana da čujem o tome.

Update my stocks October / Ažuriranje mojih dionica Oktobar

~ au

Looking at the diagram I for sure must get more even weighting of my portfolio regarding the exposure to different markets. For now, I find the food market interesting and it is s one of the markets I believe will increase with time. Even if people until now have payed lesser and lesser part of their total salary for food I do believe that food will get more expensive, (hopefully because of better quality and higher interest for better food quality among common people).
Maybe even the climate change will make an impact and we won´t get as “cheap” food as we have today. I hope not, but it is a realistic scenario. In any case I bought a couple of Axfood stocks hoping for additional dividends.
Another stock I have bought this month is the Sagax D. I decided to join the new emission of the stocks offered to the owners and received 24 Sagax D meaning additional 48 kr dividends per year.
l also joined the offer Avanza gave where one could ask for minimum 400 stocks but do not know whether I will get some or not.
I honestly have no idea if that is a good buy but for now I hope that if I get these stocks I will get 2 kr dividends / per stock additional per year.
That is a step towards my goal of having 10 000 kr dividends per year..
Slowly but surely 😀
aktie
Kad sam vidjela diagram mog (našeg) portfolija primjetila sam da trebam malo bolje izvagati dionice prema raznim tržištima!
Jedno od tržišta u koje vjerujem je tržište hrane i mislim da će se povećati vremenom. Iako sada dosta mali dio plate plaćamo za hranu (na zapadu) vjerujem da će se cijene i kvalitet povećati jer ljudi postaju osjetljiviji i hoće bolji kvalitet hrane a i spremni su platiti za to. Na to još dođe da možda promijene klime dovedu do manjka hrane i možda i zbog toga poskupi. Ne znam, vidjećemo. Uglavnom kupila sam nekolike Axfood dionice.
Druge dionice koje sam kupila su Sagax D. Prihvatila sam ponudu koju su dobili vlasnisi Sagax dionica i kupila sam (dodijeljena sam) 24 Sagax D dionice. To znači do 48kr dodatno dividende godišnje.
Prijavila sam se i na program od Avanze gdje se potpisuje za minimalno 400 dionica. To ne znači da ću ih moći kupiti nego može biti da ih isto tako samo 50 dionica dobijem dodijeljeni.
Iskreno, nemam pojma je li ovo dobra kupovina ali se nadam da ću sa tim dodati još 2kr/ dionici dividende godišnje. To je jedan korak prema mom slijedećem cilju da primim 10 000 kr dividende godišnje. Polako ali sigurno 😀

Update Ada´s stocks October / Ažuriranje Adini dionica Oktobar

~ au

In October I bought Ada 2 H&M and 5 Axfood stocks for her child benefit (and dividends from Sagax Pref). I should have waited some time to buy it because the prices have fallen however my goal is to keep the stocks the next 20 years so small deviations in price, as long as the dividends keep coming in, are not such a big deal. For these 7 stocks she should get some 44 kr additional dividend per year.
Since, Ada also has a couple of Sagax Pref stocks she could join the new emission program. She will get (only) 2 Sagax D stocks and I decided not to join the 400 stock program offered by Avanza. Since, I am still in charge of our stocks I can always transfer or buy 200 stocks later on if I feel that makes sense. Let´s see what future decides. Looking at this diagram though I for sure have to weight her portfolio so some markets are not so exposed.  ada-aktie-oktoberOvog mjeseca sam kupila 2 H&M  5 Axfood dionica za Adin dječiji doplatak i od dividende koju je dobila od Sagax Pref dionica. Trebala sam pričekati sa kupovinom jer su cijene pale, ali u drugu ruku mi je cilj da ove dionice slijedećih 20 godina držim tako da su male devijacije u kursu manje više nebitne dok god dividenda redovno ulazi na račun.  Za ovih 7 dionica bi trebala dobiti oko 44kr dodatno dividende godišnje.
Kako Ada isto ima Sagax Pref dionice tako je i ona mogla u novoj emisiji dionica da sudjeluje i dobiće tim 2 dionice od Sagax D. Nisam je prijavila u program koji Avanza nudi da kupi 400 novih Sagax D. Pošto sam ja ta što vodi račun o našim dionicama osjećam da ako baš bude dobra prilika mogu uvijek ili pokloniti joj 200 komada od naših Sagax D dionica ili kupiti neki manji broj direktno sa berze. Vidjećemo šta budućnost odluči. Kad vidim ovaj diagram u svakom slučaju vidim da moram portfolio malo bolje raspodijeliti da ne budu
Kako vama ide štednja?

 

Economic indepence dream or reality – update stocks September/ Ekonomska neovisnost san ili stvarnost -ažuriranje dionica septembar

~ au

Is it just a dream for ordinary people or is that really a possibility? Of course reading the “right” papers, the “right” blogs or you talk to positive people that have maybe even managed to become economically independent it all makes you believe in that possibility.
On the other side if you do not believe in it, you will for sure not work for it and then it is like a self-fulfilling prophecy. It won´t happen.
I have decided to try to become as economically independent as possible and one of the things I believe in is to partly invest our money in stocks. At least it has worked for me to gain more than I have invested.
In the beginning it is a struggle and it happens little by little, because I cannot afford to invest thousands of euros but rather like 100 euro per month. On the other hand Rom was not built in one day either.
For this month I have bought 30 Sagax Pref and 2 H&M stocks to Ada´s Portfolio. This means that this should provide her additional 79,5 kr dividend per year. All the dividends will be reinvested until she turns 18, unless we need the money for some better investment.
For my portfolio I added 3 Axfood and 30 Sagax Pref. This adds 75 kr per year to the dividend. My next goal is to reach 10 000kr dividends per year. Which I´ll have to work for…

Da li je to samo san za prosječne ljude ili je to moguće?
Naravno ako se čitaju “tačne” novine, “tačni” blogovi ili pričaš ljudima koji su pozitivni i možda su čak I uspijeli u tome počneš vjerovati da je to istina.
U drugu ruku ako ne vjeruješ u to, nećeš nikad ni probati tu neovisnost jer se nećeš ni potruditi da to uspiješ. Tako reči samoispunjavajuče proročanstvo. Neće se desiti.
Odlučila sam da se potrudim da probam postati ekonomski neovisna koliko god mogu više. I jedna (od više) stvar(i) u koju vjerujem su dionice.
Meni je barem do sad uvijek to funkcionisalo jer sam uvijek dobila više nego što sam uložila.
Za početak je ulaganje u dionice borba, jer nemam velike sume od hiljade i hiljade eura da ulažem. Nego ulažem male sume (do – oko 100 €) i samim tim se pomalo pomjera. Ali ni Rim se nije napravio u jednom danu.
Ovog mjeseca sam kupila 30 Sagax Pref i 2 H&M dionice u Adin portfolio. To dodaje 79.5 kr dividende godišnje. Sve će dividende biti reinvestirane do njezine 18.e godine, t.j ako taj novac ne zatreba u bolju investiciju.
Za moj portfolio sam kupila 3 Axfood i 30 Sagax Pref. To mi daje 75 kr dodatne dividende godišnje.
Slijedeći cilj mi je doći do 10 000kr dividend godišnje. Malo po malo pa će valjda i to uspijeti.

August update of our portfolios / August azuriranje nasih portfolija

~ au

Usually during the summer the stock market gets calmer and the prices fall a little bit making it possible to buy some stocks for a cheaper price. However, this year it seams that nothing is like it usually is.
Still I couldn´t resist but to buy a couple of Investor and Axfood stocks, adding to approximately 75 kr dividends per year to Ada´s portfolio. This feels (is) like a small sum, but I plan to give her this portfolio in 18-20 years so this sum will hopefully increase each year because I plan to reinvest this money in new stocks.
Ada august antal aktier Ada august värde aktier
For my portfolio I added 3 H&M, 8 Mycronic, 3 Axfood and 20 Sagax Pref adding some 96 kronor dividend per year. Looking at these sums you see it is not much but one should never underestimate the small savings. All the dividends I plan to reinvest so let´s see where this journey takes us… august antal aktieraugust value aktier
Obicno kad je ljeto dionice padnu i postaje mirnije na berzi, sto daje mogucnost da kupim par jeftiniji dionica. Medjutim ove godine se cinilo cak naprotiv. Iako tako, nisam mogla odoliti a da ne kupim par dionica od Investora i Axfood, sto dodaje otprilike 75 kr dividendi godisnje Adinom portfoliju.
Cini se malom sumom, ali planiram joj predati ove dionice za nekih 18-20 godina tako da se nadam da ce se do tad akumulirati sume. Planiram dividende da reinvestiram u dionice.
Za moj portfolio sam kupila 3 H&M, 8 Mycronic, 3 Axfood i 20 Sagax Pref koje ukupno dodaju 96 kr dividendi godisnje. Naravno kad gledam ove sume cine se malim ali ne treba nikad podcjeniti moc malih stednji. I ovdje isto planiram sve dividende da reinvestiram u dionice. Vidjecemo gdje nas vodi ovaj put…

Food (money) waste / Bacanje hrane (novca)

~ au ~ 2 Comments

Today we did the death sin when it comes to buying food. We went to supermarket hungry and came out 150 (!?) euro poorer. We bought all possible things we “needed”. After coming home, we had to sort out all the things and put them where they belong. Then we noticed that we, unnecessarily, had bought tons of things that we already had but we had forgotten about it because they were put in such way that we could not see them. So to avoid wasting money on food we have decided following:
1. Try to finish up all the things we have in our kitchen
2. Now on we will make a list of things we need
3. We will buy ONLY these things that are written at this list
4. We will try to have two-three meat free days per week
5. We will reduce the food waste as much as possible

It all sounds so simple when writing down that it is really questionable why we are not following this rules per se…ti_graphics_food-waste-regions-map
Prevod slike: Najveci bacaci hrane u svijetu
Danas smo uradili smrtni grijeh ekonomije…otisli smo gladni u kupovinu. Izasli smo sa 150 (!?) eura manje u dzepu. Nakupovali smo svakakvih stvari sto nam ”trebaju”. Tek kad smo kuci dosli i poceli slagati ove “potrebne” stvari vidjeli smo da smo tonu stvari bez potrebe kupili. Imali smo ih vec kod kuce. Neke ne u jednom vec u vise pakovanja. Nismo znali jer smo ih tako stavili da ih nismo vidjeli. Odlucili smo od sada da izbjegavamo ovakve orgije kupovanje hrane (bacanja para) i probacemo uvesti par slijedecih stvari da bi uveli  malo reda:

  1. Potrositi sto vise toga sto imamo u kuhinji
  2. Pisati listu stvari koje nam trebaju
  3. Kupicemo SAMO te stvari na listi
  4. Probacemo imati 2-3 jela bez mesa
  5. Probacemo smanjiti bacanje hrane sto vise mozemo

Kako to sve jednostavno zvuci kad se zapise, ne moze covjek povjerovati da se ne prati u realnom zivotu…

 

Happiness is not a bag full of money / Nije sreca para puna vreca

~ au

I met a person in Bosnia bringing me to think. This person works as a medical doctor, earns 1500 KM per month (average salary is 838 KM), lives in Bosnia, has a car, a big house and so on.
This person works Mondays to Fridays, 7.30h -16h, but is not pleased with it so this person is moving to Germany. (I do understand people without employment do this). This person says – “there is no future for the children”. This person became a medical doctor, so I am not really sure of what kind of perspective it expects. I would be happy if my daughter becomes a medical doctor, no matter where in world it would be.
Now I am thinking about why a person having a normal fine life, close to family (which one cannot pay to be honest) wants to leave Bosnia and change to have the life of a medical doctor in Germany?
When I was working at one of the biggest clinics in Munich I saw that life that doctors where having.
They are working for days. They don´t get out from the clinic for days. Having families or not. Of course the salaries are better but also the costs are much higher. Working hours Monday to Friday to 15.30-16h are not heard of. Especially if you want to have a career in that profession.
Realistically that means that if a highly educated person, ready to invest so much time and energy in Germany, to MAYBE in 10 years get to the point where it is now in Bosnia, not to mention if it will EVER have the possibility to live in a house or a big apartment (at least if it works in bigger cities where there is some “perspective”) WHY is this person then not motivating itself to invest that amount of energy and time in its profession and politics to change things in its homeland? I can almost guarantee that it would have much more effect and impact for the future of their children than anywhere else. Or is it important to go to Germany because “everyone” goes there, even though it means downgrading of its personal, professional, familial and financial status? Can someone please explain this escape at any cost?the-hardest-prison-to-escape-is-in-your-mind-quote-1
Srela sam jednu osobu u Bosni koja me dovela do razmisljanja. Radi kao doktor, zaradjuje 1500 KM mjesecno (prosjecna plata je 838 KM), zivi u  Bosni, ima kucu, auto itd.
Radi od ponedjeljka do petka, od 7.30- 16h. Ali osoba nije zadovoljna hem se seli za “Dojcland” (razumijem one nezaposlene da idu). Kaze – “Nema tu perspektive za djecu” (osoba je postala doktor tako da ne znam o kakvoj perspektivi za djecu se prica onda. Sretna bih bila da moja kcerka postane doktor gdje god da bila).
Sad ja onako gledam i razmisljam zasto jedna osoba koja ima jedan regularan sasvim fin zivot medju svojim voljenima (koje, ako cemo pravo ne mozes platiti novcem) hoce da ide negdje van Bosne da bi zamijenila svoj zivot za jedan doktorski zivot u Njemackoj.
Kad sam radila u jednoj od najvecih klinika u Minhenu vidjela sam taj doktorski zivot.
Tamo se radi od jutra do sutra. Ne izlazi se danima iz klinike. Imali familiju ili ne. Ima se bolja plata, ali i kostanja su puno veca. Kao doktor da radi od ponedjeljka do petka do 15.30-16h je prosto necuveno. Barem ako hoces neku ”perspektivu” u toj profesiji.
Realno gledajuci to znaci da ako je jedna visoko skolovana osoba vec spremna da toliko vremena i energije ulozi u Njemacku da bi za nekih 10 godina MOZDA dostigla stepen koji ima sada u Bosni, a da ne pricam o tome hoce li IKADA imati mogucnost da zivi u kuci ili nekom vecem stanu (barem ako radi po malo vecim gradovima gdje postoji ta neka perspektiva) zasto se takva osoba onda ne motivise da istu tu energiju ulozi u svoje zanimanje, u politiku (bez toga ne moze) da promijeni nesto i garantujem da bi za 10 godina daleko vece uspijehe imala kod kuce i napravila bi daleko vecu perspektivu za svoju djecu nego sto ce ikada u Njemackoj ili negdje drugo. Ili je bitno otici u Njemacku jer svako ide tamo iako to znaci za degradiranje svog licnog profesionalnog, familijarnog i materijalnog statusa? Moze li mi neko objasniti ovu bjezaniju pod svaku cijenu?

Update Stocks / Azuriranje Dionice

~ au

Half the year of 2016has passed and I am still working on the portfolio of our savings. As I already wrote previosly (old post) my goal is to have good dividends, preferrably an amount every month. When the Brexit was voted for there was a minor crash at the stock market where I took the opportunity to buy some stocks. Unfortunately I didn´t have much but I bought a couple of stocks that I have been following for some time. I bought some H&M, Investor, SEB A and Sagax Pref. I have also improved ( 1200 kr) with the dividends for the year comparing to last year (280 kr) which is motivating me a little bit. All the dividends I am reinvesting in new stocks.
My next goal when it comes to stocks is to get 10 000kr dividends per year!Presentation1
U polu vremenu od 2016. se jos uvijek bavim sa svojim porftoliom dionica. Kao sto sam u starom postu vec pisala cilj mi je da imamo dobre dividende. Po mogucnost svakog mjeseca. Kad su Britanci izglasali Brexit doslo je do manjeg histericnog pada na berzi. Tu sam iskoristila mogucnost da kupim neke dionice. Nazalost nisam imala nesto puno novca, ali sam ipak uspijela kupiti nekoliko H&M, Investor, SEB A i Sagax Pref dionica.
Poboljsala sam isto svoje dividende poredeci sa proslom godinom tako da me to isto malo motivise. Isto tako sve dividende reinvestiram u nove dionice.
Slijedeci cilj mi je da dobijem 10 000 kr dividendi godisnje!