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Showing posts from February, 2019

Mid-year review: Goal met of $200k cash at 28. $400k+ net worth and Astrea bond V

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Half a year gone.

I still have not gotten my keys to my new home and am still childless. Ok, TMI.

On financial front, I've been seeing a steady increase in my net worth. As at my last update in end 2018, my net worth was at $372k.

Half a year later, I've successfully crossed $200k cash savings (previously it dropped as I topped up my MA) and exceeded $400k in networth. I may be able to hit $450k by end year but will just need to carve out some money for renovation and home stuff.

Most gains came from employment. While I lament how sick I am of work, it is my main source of $. I've not added any stocks and can never not live off my portfolio for passive income. It is with salary crediting that I've received 1.85-2% interest on my DBS multiplier anyway.

I've been thinking if I'm making my money work hard enough. I occasionally browse the SGX hoping to see some stocks to purchase, but am not comfortable enough to make the move.

Since Jan till date, my transactions …

Baby or no, is that your business?

For the first 20 odd years of my life, I've walked a predictable route.

I was drilled from young that, to succeed in life, I must study hard. I didn't study hard enough to get scholarships but it was passable. I walked the standard educational route, just like everyone else - passed my PSLE, passed my O Levels, went to JC and went to the local uni.

The next was to find a job, get a flat, get married.

And have a baby.

But in this common route, there is something unpredictable and out of my control i.e having a baby (and possibly getting a successful BTO ballot, though we can always go the resale route).

If you realise, in the left column of my blog lies some goals I set back in 2016. Of which, having a kid was set at 30....because I was guessing it would not be easy to hit the jackpot after hearing stories from others.

Ever since I got married, I've received irritating comments from colleagues who are not close to begin with, asking me when I'll be taking my maternity l…

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