About Me

What’s the point of this website?

Raise your hand if you feel me on this – some days, as soon as I wave the kids off to school, I want to crawl straight back into my pajamas and hide from adulting! 🙋🏼‍♀️ But then I glance at those bills and savings accounts and think – I owe it to myself and my family to make smart money moves.

So I polish off the coffee, grab my laptop, and get learning! Sure, words like assets, liabilities, and diversification may sound snooze-worthy. But I’m determined to figure out this investing thing. And lucky for you, I’ll be documenting all my newbie mishaps, facepalm moments and the occasional victory dance! 💃🏻

Because here’s the thing, I know you’re just as busy juggling work, kids and chaos too. And you deserve to have a nice nest egg down the road! So we can fumble through securities and statements together. Share shortcuts and hacks when I come across them. And prove that average gals can get savvy on stocks with a little commitment.

So what do you say – want to be my savings squad? We can motivate each other on tired mornings, discuss wins over coffee, and remind each other not to touch those funds even when our teens somehow need the latest iPhone. I may not have all the investing answers yet but this is OUR journey. Hope you’ll join me for the ride!

Now, let’s talk about these things called ETFs…🤔

FAQs

In addition to the investing content and community engagement, DividendDiary.com generates revenue through partnerships, advertising, and affiliate marketing programs. However the site’s #1 priority will always be providing honest, trustworthy information and analysis to its readers.

There’s no specific dollar amount required to start dividend investing. With many online brokers, you can start investing with even just $100 or less. Focus first on learning investing basics and developing smart habits. Slowly build your capital over time by automatically investing bits from each pay.

There’s no definitive rule, but healthy companies in stable industries often pay 2-6% dividend yields. Anything above 8% could signal high risk. However, prioritize consistent dividend growth over chasing the highest yields – that compounds over decades.

Most pay quarterly, but cycles vary. Stable blue chips tend to issue steady or rising dividends for years on end. High yield companies pay extremely high dividends that tend to be less sustainable long-term. Know the payout history.

In Australia, dividends are taxed differently depending on your circumstances. For investments held outside a super fund, dividends are generally taxed at your marginal rate, but you receive franking credits for any company tax already paid which can reduce your tax liability.

Regardless of where you hold the investments, you need to include all dividend income in your tax return every year to avoid penalties from the Australian Tax Office. So keeping accurate dividend records is essential.

Meet the people who make it all possible

DividendDiary.com was founded in 2024, an enthusiastic new investor focused on dividend growth strategies.

When she’s not poring over financial statements or analyzing economic indicators, Ms.DividendDiary enjoys weekend trips with the family, (trying) staying active outdoors, community volunteer work, and reading up on history and personal development.

Meet the Fam