Another winter month, another step closer to my €750 passive income goal for 2026.
It was a cold but quite a nice month. During the school vacation we also took a short trip to Tallinn — a quick winter getaway that included an aquapark and even a chance to explore a real submarine at the Maritime Museum.
Let’s dive into the numbers.
Dividend Income
I had 3 companies paying dividend in February:
This month was also special because I received my first dividend from Procter & Gamble, a stock I added to my portfolio in January.
I like to compare each dividend with a real household expense to see what parts of our lifestyle the portfolio already supports:
- $6.43 – Bristol-Myers Squibb (BMY): Covers 1.5% of our Health expenses over the past 3 months.
- $8.98 – Procter & Gamble (PG): Covers 5.0% of our Cosmetics & Hygiene expenses over the last 3 months.
- $5.27 – Starbucks (SBUX): Covers 0.8% of our Eating Out expenses over the last 3 months.
The percentages are still small, but that’s expected. For now this is mostly a game – but over time I expect dividends to cover a much larger portion of our family’s expenses.
Dividend Year-on-Year Comparison
Let’s see how dividends received this February compare to the one a year ago.
Dividend income increased over 50% compared to February last year.
The main reason was my first dividend from Procter & Gamble, combined with small dividend increases from Bristol-Myers Squibb and Starbucks.
Other Passive Income Sources
In addition to dividends, we received some income from alternative investments:
- €6.68 – P2P lending
- €0.79 – Real Estate Crowdfunding
- €6.18 – Bond interest
- €3.74 – Money Market Funds
- €0.91 – Rental Income Crowdfunding
Passive Income Summary
Altogether, the portfolio generated €35.79 of passive income in February:
Again, it’s nice to receive income from 6 different sources.
The chart below compares passive income across the years.:
I like to see the dark green columns representing higher income compared to previous years. Let’s see if I can keep the momentum going as the year progresses.
Portfolio Contributions and New Investments
Contributions in February totaled €700:
- €600 went to my Interactive Brokers account where it’s waiting for a new investment
- €100 was invested to a Real Estate Crowdfunding project in Rontgen platform. It adds €4.61 to this year’s expected passive income if everything goes according to plan.
Summary
February was another small but steady step forward. I received my first Procter & Gamble dividend, and passive income continues to grow monthly.
My goal for 2026 is to earn €750 in passive income. After two months, I’ve reached 11.0% of that goal – falling further behind target. I expect stronger months ahead when larger payers kick in, so I’m not panicking.
Thanks for reading! 🙂