You’re Not Alone

I don’t want to write this post as a writer, I want to write it as a friend.

Times are tough right now, and many people are going through them alone. Being isolated with your thoughts can turn into a dark place and believe me, I’m right there with you.

Together we can get through this. I wanted to share what I’ve been doing that you can too: writing.

It’s good for decluttering thoughts. Don’t even think about what you want to write, just write down whatever pops in your head. Once you write down what’s going on, throw it away. It’s a good way to drop bad thoughts.

I also like to write poetry to express how I’m feeling, but like I mentioned, it doesn’t have to be specific. Write whatever you’re feeling and trust me, you’ll feel better.

Another thing that helps is music. I recently saw a study that says listening to at least an hour of music everyday can improve your health. 

Listening to songs that express different emotions such as sadness, anger and happiness are beneficial for your mental health. When no one else is there, trust me, music always has your back.

The important thing to remember is that:

It’s okay to not be okay. 

Don’t be hard on yourself if you don’t do anything productive. We all need breaks to relax our minds and reset. Whether it’s by taking a nap, a calming bath, reading a book, or watching a show. Do what makes you happy, because your health is important.

You’re never alone. Plenty of people feel this way. Just remember that you are loved and cared for. I hope this helps you and makes you smile. 

You made it through another day. It’s a small accomplishment. Be proud. Everything will be okay. 

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Stock Investing? That’s Not for Me…WRONG!

I believe that proper financial literacy would help relieve and solve a lot of problems that people face in their daily lives. 

If you’re tired of waiting around for a raise at work or for a minimum wage increase…start taking control of your finances by investing in the stock market to give YOURSELF that wealth increase. 

If you’re new to stock investing and stock trading, I highly suggest informing yourself on how to begin. 

Investing and trading can be a literal life changer. 

*HINT HINT: It’s not as difficult as they had you believe. 

There are many ways to earn money in the stock market, through trading for capital gains or investing in stocks for dividends. 

For the purpose of this article, I created a financial plan to invest in the stock market using a starter budget of $5,000. 

Just because I used $5,000 as an example, you can certainly invest in this plan with less money! 

For anyone interested in getting a solid head start, do the research for YOURSELF, and if you’re comfortable, invest accordingly.

In this plan, I picked the following type of stocks to invest in:

  • One monthly stock that pays dividends every single month. 
  • One growth stock that is worth investing in now and holding onto until it grows to a significantly profitable margin for you to trade at a later date for capital gains. 
  • Then I chose three different stocks to invest in for each of the three main dividend payout cycles that pay dividends on a quarterly basis

I included a day-to-day investment plan to help compound shares and spread out investments using a $5,000 budget within a two week period. 

*PLEASE NOTE: Stock values fluctuate on a day-to-day basis during market hours, so I have listed approximate average stock values based on recent market trends. 

As always, do the research for yourself and invest accordingly!

Money Tree Mindset Bundle By Robby J. Fonts.

$5,000 BUDGET STOCK INVESTMENT PLAN

Legend

Payout Cycle:

Stock Ticker (Stock Name): $ Dividend payout amount per cycle | $ Current Average Stock Value x Number of Shares to Invest In = $ Total Amount to Invest In ($ Total Earned in Dividends Each Cycle)

TOTAL (Investment Amount): $

Stocks to Invest In

🏠Monthly Stock:

  • $MAIN (Main Street Capital): $0.205 | $32 x 7 shares = $224 ($1.44 in dividends every month)

TOTAL: $224 ($1.44 in dividends every month/$17.28 per year)

🌱Growth Stock:

  • $AAPL (Apple): N/A | $115 x 3 shares = $345 (NO DIVIDENDS)

TOTAL: $345

📱01/04/07/10 Cycle:

  • $T (AT&T): $0.52 | $30 x 28 shares = $840 ($14.56 in dividends quarterly/$58.24 per year)
  • $BNS (Bank of Nova Scotia): $0.69 | $45 x 11 shares = $495 ($7.59 in dividends quarterly/$30.36 per year)
  • $ABBV (AbbVie): $1.18 | $88 x 3 shares = $264 ($3.54 in dividends quarterly/$14.16 per year)

TOTAL: $1,599 ($25.69 in dividends quarterly/$102.76 per year)

⛽02/05/08/11 Cycle:

  • $CVX (Chevron): $1.29 | $75 x 11 shares = $825 ($14.19 in dividends quarterly/$56.76 per year)
  • $IBM (IBM): $1.63 | $125 x 4 shares = $500 ($6.52 in dividends quarterly/$26.08 per year)
  • $D (Dominion Energy): $0.94 | $83 x 4 shares = $332 ($3.76 in dividends quarterly/$15.04 per year)

TOTAL: $1,358 ($24.47 in dividends quarterly/$97.88 per year)

🍺03/06/09/12 Cycle:

  • $MO (Altria): $0.84 | $42 x 17 shares = $714 ($14.28 in dividends quarterly/$57.12 per year)
  • $TAP (Molson Coors Beverage): $0.57 | $36 x 14 shares = $504 ($7.98 in dividends quarterly/$31.92 per year)
  • $WPC (W.P. Carey): $1.042 | $69 x 3 shares = $207 ($3.13 in dividends quarterly/$12.52 per year)

TOTAL: $1,425 ($25.39 in dividends quarterly/$101.56 per year)

ESTIMATED DIVIDEND EARNINGS PER YEAR: $319.48

INVESTMENT GRAND TOTAL: $4,951 out of $5,000 budget

Day-By-Day 2 Week Investing Schedule

WEEK 1

Monday (Day 1):

  • 1 Share of $MAIN
  • 1 Share of $AAPL
  • 3 Shares of $T
  • 2 Shares of $BNS
  • 1 Share of $ABBV
  • 2 Shares of $CVX
  • 1 Share of $IBM
  • 3 Shares of $MO
  • 3 Shares of $TAP
  • 1 Share of $WPC

Tuesday (Day 2):

  • 1 Share of $MAIN
  • 3 Shares of $T
  • 1 Share of $BNS
  • 1 Share of $CVX
  • 1 Share of $D
  • 2 Shares of $MO
  • 1 Share of $TAP

Wednesday (Day 3):

  • 3 Shares of $T
  • 1 Share of $BNS
  • 1 Share of $CVX
  • 2 Shares of $MO
  • 1 Share of $TAP

Thursday (Day 4):

  • 1 Share of $MAIN
  • 2 Shares of $T
  • 1 Share of $BNS
  • 1 Share of $CVX
  • 1 Share of $D
  • 1 Share of $MO
  • 1 Share of $TAP

Friday (Day 5):

  • 1 Share of $MAIN
  • 1 Share of $AAPL
  • 3 Shares of $T
  • 1 Share of $BNS
  • 1 Share of $ABBV
  • 1 Share of $CVX
  • 1 Share of $IBM
  • 1 Share of $MO
  • 1 Share of $TAP
  • 1 Share of $WPC

WEEK 2

Monday (Day 6):

  • 1 Share of $MAIN
  • 1 Share of $AAPL
  • 3 Shares of $T
  • 1 Share of $BNS
  • 1 Share of $ABBV
  • 1 Share of $CVX
  • 1 Share of $IBM
  • 2 Shares of $MO
  • 3 Shares of $TAP

Tuesday (Day 7):

  • 3 Shares of $T
  • 1 Share of $BNS
  • 1 Share of $CVX
  • 1 Share of $D
  • 2 Shares of $MO
  • 1 Share of $TAP

Wednesday (Day 8):

  • 1 Share of $MAIN
  • 3 Shares of $T
  • 1 Share of $BNS
  • 1 Share of $CVX
  • 2 Shares of $MO
  • 1 Share of $TAP

Thursday (Day 9):

  • 2 Shares of $T
  • 1 Share of $BNS
  • 1 Share of $CVX
  • 1 Share of $D
  • 1 Share of $MO
  • 1 Share of $TAP

Friday (Day 10):

  • 1 Share of $MAIN
  • 3 Shares of $T
  • 1 Share of $BNS
  • 1 Share of $CVX
  • 1 Share of $IBM
  • 1 Share of $MO
  • 1 Share of $TAP

Follow-Up Investment Plan

  • Make sure to keep track of your investments by logging them on a daily basis.
  • With the remaining funds, repeat the investing cycle as shown above.
  • Gradually add more shares to each stock in your portfolio when you have more money to invest with. 
  • The stocks noted above should set you up with a solid investment foundation. 
  • When you’re comfortable with investing, begin adding newer stocks to your portfolio, following a similar process as the plan above. 

I hope that I helped change some perspective on your finances! 

Let me know what you think in the comments below 👇
If you’re a legal resident in the United States with a Social Security Number, you can begin investing through Robinhood here:

https://join.robinhood.com/robertf5012

For a more in-depth look at understanding stock investing and trading, you can inform yourself by reading my e-books from my “Money Tree Mindset” System here:

https://gumroad.com/robbyjfonts

Happy investing, everyone!

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