August 2022 Dividend Income And Expenses

After a scary couple of months with some massive overspending, it’s finally safe to say things are “getting back to normal” for the Tako family.  August was all about optimizing our lifestyle in our new home.  We started turning the screws, and fine tuning our fiscal machine.

Now that the massive moving costs are out of the way, our household expenses are finally starting to become (a little) more predictable.  We’re beginning to optimize travel routes, learning where to shop (and when), and even modifying our food menu a little to match which goods are more affordable locally.

It takes awhile, and there’s still plenty of work to be done, but I think we’ve made good strides adapting to our new home in Arizona.  Not all humans adapt to change easily, but performing this optimization is key to getting our expenses back under our dividend income umbrella.

Read on to find out exactly how we did in August!


Dividend Income In August

Dividend income in August was good, adding up to $1,830.  While certainly not the massive income levels we saw back in June, that’s still a good month of income.  Hey, I’ll take it!

As you can see in the table below, our dividend income varies significantly from month-to-month.

august 2022 dividends by month

This payout variability is expected of course, and just the nature of how dividend payments arrive.  Most companies pay out dividends quarterly, with the bulk of payments arriving in March, June, September, and December.

In order to “balance out” these large dividend fluctuations, we keep plenty of cash on-hand to deal with day-to-day expenses and any emergencies that might arrive.

It’s definitely something that takes some “getting used to”, but even after years of living this way I still breath a sign of relief when the big quarterly dividend payments arrive.


August Expenses

Expenses in August totaled $4,136.  This is a much more reasonable amount than we’ve seen in many months, and a lot of this has to due with the fact that our move to Arizona is now complete.  We also sold our house in Washington, so no more double payments!

Here’s the breakdown of monthly expenses by category:

aug 22 expenses by category



Grocery spending in August was a reasonable $519.  When we lived in Washington, we averaged around $500 per month for groceries.  I consider this amount pretty good.

How did we go from spending $1,248 in July to $519 in August?  This is the fiscal optimization I was talking about.  Knowing where to shop is important, as well as how to get good deals!  In August, I worked hard on being much more careful with our grocery spending.  It translated into good improvements, but there’s more work to be done.

Simple, affordable, homemade food was on the menu — like this gyro plate and homemade tzatziki sauce.  It turned out great!

august gyro plate

Thai Red curry also made an appearance in August.  It’s one of my favorite affordable meals, and it’s always greeted with enthusiasm at our dinner table.  I don’t make it super spicy for the kids, but it’s still delicious!

thai red curry

Modifying our menu also played a role in lowering our grocery expenses.  In the past we’ve eaten more fish and seafood, but that’s less available and more expensive here.  Occasional bargains can be found however, like this mackerel we found at a very good price.


Obviously the typical Japanese groceries we used to find back in Washington are a bit harder to find here, but the local asian grocery store is still fairly well stocked with gyoza, miso, and other Japanese home favorites.

miso gyoza

Clearly I still have plenty of work to do in order to get our monthly budget down, but I’m confident I’ll figure it out in time.



Fuel spending on gasoline this month was $129.  This is a normal monthly amount to spend on gasoline for us, but the interesting thing to note here is that we’re driving more in Arizona (aka more miles).

So why has our fuel spending remained about the same, despite more miles traveled?  Did our cars suddenly get more efficient?

Nope!  Gasoline is (roughly) $1 per gallon cheaper here than in Washington!  This cheaper fuel allows us to drive further on a dollar’s worth of gasoline!



Finally, no mortgage and rent due at the same time!  We only had to pay rent in August, and this was $2200.  No mortgage!  This will go up slightly next month due to some required liability insurance, but it won’t be a significant change (around $13).

Personally, I’m very thankful to not have to pay for two houses at the same time anymore.  This was very expensive experience, and I don’t recommend it to anyone.

(FYI: I didn’t *plan* to pay for two houses at the same time during our move, but the housing market had other ideas.  It took much longer than we expected to sell our house.)



Internet expense in August was $29.99. This is for 200Mbit down and 14 Mbit up service.  Our normal amount is $39.99, but due to the machinations of the way we’re billed for cable internet, it was $10 cheaper this month.  Next month it should be back to our regular amount of $39.99.


Mobile Phones

Mobile phone spending in August was $0.  Yes, I really mean $0!!!  Our low phone spending is a choice we make.

We choose to use a pre-paid mobile service, and pay for our mobile phone service only once a year.  We did this in May, and you won’t see mobile phone spending again until next year.  (Note: This cheap service does not include a data plan)

When we actually need a data plan (such as during a family vacation), we’ve used Tello.  Pre-paid data plans from Tello are an extremely low cost way to go.  Sometimes as low as $5 per month (with 2 gigs of LTE data)!

If you’d like to find a similar low-cost plan — watch the Tello website for promotions.  They seem to run new promotions every couple of months.  You can then go sign-up using my referral code: p3s4bkgq to receive $10 off. (That’s basically 1-month free just for using my referral-code!



Utility spending in August was a rather high $498.  I attribute this amount to high utility set-up costs in Arizona.  Unfortunately, utilities like to charge deposits and non-refundable ‘set-up’ fees for starting new service.  These ‘startup fees’ are mostly ridiculous (as if punching your name into a database has a big setup fee), but we have no choice but to pay them.  In most cases, a technician didn’t even come out to the house.

Oh well!  Here’s the breakdown of our utility bills this month:

  • Gas bill – $50.40
  • Electricity bill – $172.93
  • Water bill – $247.69
  • Final energy bill at the old house – $26.91

The setup fees and deposits for the gas, electric, and water amounted to $258, so in reality our utility bills were only $240 this month.  That’s a much more reasonable amount!



Insurance spending in August was $308.  This was a new 6-month car insurance policy.  Normally we wouldn’t have an auto insurance payment until October, but our old insurer does not write auto policies in Arizona.  Thus, our recent move required a new auto insurance policy.  This amount is for two cars for 6 months.

I expect to see a small refund from our old auto insurer, but the check has yet to arrive.



This is a new category this month!  For clarity’s sake I though it might be helpful to break-out how much we’re spending on our kids each month.  This might include clothes, school fees, activity fees, toys, games, birthday presents, and the like.

For August, kid expenses were $270. This was primarily two fees – $40 for school fees, and $23o for after school activities.



‘Other’ spending was $190.  This category is typically where I put spending that doesn’t fit into any of the other categories, and in August ‘Other was primarily the motor vehicle registration for one car ($139), emission testing for two cars ($24.50), and a couple of small purchases from Home Depot.


Cumulative Expenses For 2022

Total accumulated spending for the Tako family in 2022 is $58,241.  This is a large amount of money, but I blame the increased spending primarily on home selling expenses (painting, a new water heater, home staging, etc.), as well as moving expenses.

Moving is NOT cheap, and I recommend anyone looking to engage in geo-arbitrage really examine the cost of moving carefully.  For a number of reasons, our move ended-up being far more expensive than predicted.


Here’s the breakdown of our YTD expenses by month:

aug 22 net expenses


Clearly, I started “righting the ship” in August, and I hope I’m able to maintain this trend for the rest of the year.  Last year our dividend income was $63k, and I’d like to keep our total spending under our dividend income during a down-market environment.

Unfortunately I’m not positive I’m going to achieve that goal in 2022.  Moving is just too expensive!


Investing Update

After the recent declines in the stock market in July, I started to feel that certain stocks were becoming affordable again.  At least affordable from my value-oriented point of view.  In a flurry of activity, one morning in August I put in a series of orders for stocks I’ve been wanting to acquire for months now.

It seemed like a good time to put money into stocks.

Unfortunately those stock purchase orders were never filled because almost immediately thereafter stock prices started increasing again!  Oh well!  That’s just how it goes sometimes.  I set the orders as “good until canceled”, so at any time if stock prices decline again I might just get a chance to see a few of those orders filled.

That said, I think the stock market has probably chased off the bears for awhile — Inflation might be starting to get under control, gas prices are more reasonable, COVID is hardly in the news anymore, and employment is still very high.

Also, I think investors are becoming more realistic about today’s stock market.  I see fewer and fewer headlines promoting investing in unprofitable and speculative tech stocks as a path to millions.

Has sanity officially returned?  If it has, that can only be a good thing for all investors.

That’s it for August!  Thanks for reading!


[Image Credit: MechanicalCaveman]

18 thoughts on “August 2022 Dividend Income And Expenses

    • September 13, 2022 at 9:28 AM

      Thanks Tawcan! I’m pretty good at being patient. I think I’ll get my price eventually!

  • September 13, 2022 at 6:31 AM

    “Total accumulated spending for the Tako family in 2022 is $58,241. This is a large amount of money”

    Haha, have a glance at the FatFIRE threads on Reddit and you’ll see that’s what so many of these folks spend in a month or two! That’s still pretty darn low, especially for someone with your net worth. Discipline works!

    • September 13, 2022 at 9:29 AM

      Hiya Dave! Yeah, I’m no FatFIRE person! I never earned more than $100k/yr, so $58k is a quite lot of money to me!

  • September 13, 2022 at 9:18 AM

    Good to hear you’re settling in well and getting things back on track spending-wise!

    I would bet your stock orders will be filled. Things have been looking a little prettier lately but I can’t imagine we won’t see some big drops again in the near future. I guess time will tell, right?

    I always love the food pics and realized that I’ve never had mackerel before. It looks good – how does that rank on fish you enjoy?
    Jim @ Route to Retire recently posted…Finding My Place Again in the U.S. – 3 Things I’m Worried About

    • September 13, 2022 at 9:27 AM

      Mackerel is a bit fishier and oilier than a white fish like tilapia or cod, so the flavor profile is stronger. Not bad, just different. Personally I like a good filet of king salmon a bit more, but beggars can’t be choosers 😉

  • September 13, 2022 at 10:15 AM

    Glad you could still find Japanese treats in your new town.

    My wife is Japanese and visited family there over the summer, unfortunately with the restrictive Visa/entry rules I couldn’t go. (Only citizens or business Visa unless part of a chaperoned tourist group)

    Hotel/restaurant etc were extremely cheap there with the strong U.S. dollar. Maybe you can take advantage in the future.

    I am hoping to go to Japan next summer. I hear the rules will get less restrictive soon.
    NY Money Hawk recently posted…Bet on Growth Stocks without losing your Shirt!

    • September 13, 2022 at 10:35 AM

      Without a doubt we’ll be visiting Japan again soon. We haven’t visited our family there in several years, and they aren’t getting any younger.

      So a trip is due… maybe next summer?

  • September 14, 2022 at 12:25 PM

    I didn’t even move this summer but I’ve found my expenses creeping up, especially in the restaurants/bars/entertainment category. Maybe it’s funding delayed gratification from the 2020 (and subsequent) shutdowns, which is all well and good, but something I need to watch to make sure I’m not letting lifestyle inflation creep in–in addition to inflation inflation.

    I love a good gyro and that homemade tzatziki looks amazing!
    Impersonal Finances recently posted…Analyzing The Lifetime Fantasy Football Earnings Report Of An Average Player

  • September 15, 2022 at 4:27 PM

    Glad you’re settling in in Arizona, do the kids like it as much as they did Washington? That would be my biggest challenge in moving, kids leaving their friends and having a difficult time with it. Good job on the expenses!

    • September 22, 2022 at 10:41 AM

      They are adjusting slowly, like the rest of us. Thankfully, they’re young enough I think they’ll adapt well to the new environment.

  • September 21, 2022 at 12:34 PM

    Glad to hear that things are settling down. Moving is miserable, but it sounds like the overall cost of living in Arizona will be less expensive than in Washington.

  • September 22, 2022 at 3:11 AM

    My current family expenses are 9,500 USD/mo (got two kids attending an expensive international school in Singapore). My passive income comes down to about 12,000 USD (mainly from dividends of companies I own shares in). I recently started working on my All-Weather Portfolio, consisting only of the world’s best buy and hold forever stocks I can find. I currently bought 40 so far, current valued at about 600,000 USD. Anyways, keep it up, love your blog! Saw you on Tawcan’s comments board and checked our your site as well. Cheers from Singapore, Noah


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