savings

2017 January Portfolio update / 2017 Januarsko ažuriranje portfolia

~ au ~ Leave a comment

A&A´s portfolio: First dividends in year 2017 have started rolling in. In January they got 36 kr in dividends. I also bought them 3 H&M and 30 Sagax Pref stocks. This should generate 89,25 kr dividends extra per year. For the first time I also bought the Avanza zero fund for 100 kr (~10 Euro). I have decided that I will invest 100 kr monthly in this.

My portfolio: Here I got 236 kr in dividends from Sagax Pref, Saga D and Bald Pref. Additionally I bought 5 Axfood, 30x Sagax Pref and by chance 750 Dividend Sweden stocks. Axfood and Sagax Pref should generate 75 kr dividends per year. The 750 stocks of Dividend Sweden I bought by chance might generate 37,5 kr per year. This is however a high risk game, but I found the company interesting so I wanted to have a small part of it. I also started saving in the Avanza Zero fund.

Lately, I am considering to start buying some index funds and fill the portfolio with a part of funds. I would like to have some index funds especially  some global index fund but I haven´t had time to check it up further.

A&A portfolio: Prve dividende u 2017. su stigle na račun. U januaru su dobili 36kr u dividendama. Ovog mjeseca sam im kupila 3 H&M I 30 Sagax Pref dionica. To bi trebalo dodati 89.25 kr dividendi godišnje. Prvi put sam isto kupila Avanza Zero fond za 100 kr (~10 Eura). Odlučila sam 100 kr mjesečno odvojiti za ovaj fond.

Moj portfolio: I kod mene je prva dividenda ušla na račun. Dobila sam 236 kr od Sagax Pref, Saga D i Bald Pref. Kupila sam dodatno 5 Axfood, 30 Sagax Pref i slučajno mi prođe kupovina 750 komada od Dividend Sweden. Axfood i Sagax Pref, bi trebali dodati 75 kr dividende godišnje. A ovih 750 komada Dividend Sweden su čista kocka, ali mi firma djeluje interesantna pa sam htjela da imam udio u tome.
Počela sam na mjesečnoj bazi da za 100 kr (~10 Euro ) kupujem Avanza Zero fond.

U zadnje vrijeme nešto razmišljam da raširim naše portfolie i da počnem kupovati fondove. Tu kontam neke indeksfondove pogotovo globalne, ali nisam stigla to još provjeriti koje su i gdje ih mogu kupiti,

 

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

~ au ~ Leave a comment

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 The withdrawal of the rent had been delayed/ forgotten and now suddenly 4 months of rent had been withdrawn in the same month.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 )