2016 Goals!!! Ready for a New Year

Hand underlining Set Goals with red marker isolated on white.


As 2015 draws to a close, most of us find ourselves doing two things:  1) Reflecting on the events of the year that’s coming to a close, and 2) Making plans for the upcoming New Year.  Well, for the TOL household, 2015 has been a great year for us.  Among our 2015 events:

  • Mrs. TOL turned 30 and we had a great night of celebrating in Atlanta with friends and family;
  • We started our New Life fund in February and started receiving dividend income;

more “2016 Goals!!! Ready for a New Year”

November 2015 Dividend Update


Hello friends, Mr. TOL here…

This is my first inaugural dividend update post and I’m excited to analyze our dividend income. Forgive me for being a little late, have a lot of things on our plates, but we are getting it cleared off!

As mentioned in an earlier post, I began Dividend Growth Investing in February of 2015.  I was in the market during 2014, but without a real strategy, kinda fumbling around with different things.  It was in the beginning of 2015 that I cleared my account and started from scratch with the DGI (Dividend Growth Investing) approach. more “November 2015 Dividend Update”

Top 8 Wasteful Expenses to Avoid in 2016

Scissors cutting a dollar bill in half

Ever look at your bank account at the end of the month and wonder where did all my money go? Have you ever felt like as soon as your paycheck hit your bank account it just as quickly left? I think many people have been there a time or two in life. Even if you haven’t, you could still benefit greatly from periodically evaluating how your funds are being disbursed as more could be going to wasteful spending than you think. Those same funds could be the difference between working another 30 years or only 5 to 10! I don’t know about you, but the potential to obtaining an additional 20 to 25 years of retirement deserves a quick peek to me. more “Top 8 Wasteful Expenses to Avoid in 2016”

Our “New Life” Fund

cash 2

Mr. TOL here!

I started our portfolio on February 5, 2015 with a purchase of a single share of stock, ExxonMobil, at $92.30, with a 4.95 commission.  But before we get into that, let’s go back into time a little bit.

I received my first credit card, Discover with a $3,000 limit, around 1996, at the impressionable age of 18 years old.  That would be the start of a long struggle with debt that would go deep into my adult life.  I struggled with all kinds of debt – credit cards, student loans, car loans, even personal loans. more “Our “New Life” Fund”