End 2025 Review - Net Worth at $1.128m ; CPF interest ~$14k


As I started to type, the first word that came to my mind was "Nonchalant".

I'm feeling more and more so. It seems like a protective layer or persona I'm taking up. So that I gets less f up by external factors.

I used to be diligent updating here, but I lost the joy in sharing what's going on. 

I was even nonchalant about updating my net worth. I used to track it monthly; and more so on 31 Dec 2025.

Yet on 31 Dec 2025, I slept at 10+ pm. Not sure what time I really fell asleep. Sadly, I woke up at 5.30am and it hurts my head. I never had good sleep.

What prompted me to do an update here was just in case one day, I have records to track back my thoughts, and my financial journey. Like how I could check back my interest on 1 January 2025 easily through my blog.

---

Here's a recap of my finances over the years:

2025 Review

Recap of what I've done the past 12 months and my reflections:

Jan:
Feb
  • Continued with antibiotics to remove h.pyori
  • Packing our home for the move
  • Dental
Mar
Apr

May
  • Family trip. Sponsored by dad. 
    • Got a temple lot that signals bad omen when I asked on the possibility of having children. Broke my heart but I know things happen for a reason. This further solidified my plan not to continue with IVF anymore 
  • Secured our condo. God is great!
  • Got our car and that was the start to many foodie hunts and road trips!

June
  • Enjoyed my work trip
July
  • Was curious if 5 July natural disaster will happen
  • Started our furniture hunting
  • Moved in to our new home
August
  • Dental
Sept

October
  • Overseas trip
Nov
  • Did northern hemp flu jab
Dec
  • Ended the year with sickness 

It doesn't seem much, but I felt it was an eventful year. Good things happened; and the only bad thing was from work. Other than that, I acknowledge I've a good life and I'm super grateful.

At the start of the year, I spoke about my goals for physical, mental and spiritual healing
    • On physical healing, I do feel that I've become healthier. I suspect the removal of h.pylori has given me a much better gut health. I haven't had much stomach aches compared to the best. My hubby also attested that I am healthier now. I've also gained some weight. 
    • Mental healing isn't the best, but getting somewhere. I have been mistreated at work, mainly due to toxic boss(es). I suffered mentally. It didn't help that my counsellor whom I've been sharing all my sorrows with, left and I had to rebuild rapport with a new one. May karma be real and the bitch gets booted out. Even on first day of 2026, I kept replaying how I should retaliate when I'm back in office when I see her.
    • Spiritual healing - I'm still figuring out. Not all prayers work, but some did give me peace of calm. Though, sudden pangs of anger, sadness would also erupt in my heart and I needed to find a way to peace out. However, I trust God. I believe in angels. I believe I'm here to live life, a good life, and I aim to do this happily every day.
2025 also marked the year where I stopped IVF fully. It has been a mindless chase, injecting my body with hormones since 2021. 4 years. 

4 bloody years.

It was blood tests after blood tests, resulting in my veins on my left arm turning weak and the nurses now have difficulties getting blood from there. I should have known not to play god. It was essentially money down the drain. But, I wouldn't have become who I am today, without going through these pains. I know it's a trial for me.

Net Worth

I'm now standing at $1.128m. A 88k increase VS 2024's 1.04m.

But, I guess there's no meaning to the figures anymore. A good chunk of my money are nestled in my home.

Hopes and Goal for 2026

Firstly, I shall recap my 2025 goals:

This is what I WILL achieve in 2025:
  • move into a home that serves as a stronger asset ✅
  • pray more and practice care and kindness to myself ✅ (I did pray more and learn to love myself more by making every day happy)
  • get promoted with high pay jump either in this firm, or a new one ✅
  • travel with my family (already 2 planned) ✅ 
  • gain new skills (e.g. coaching, trading, new language) ✅❌ (didn't set out to do this. Oops. But I did try meditation!)
  • Achieve 1.3m net worth ✅❌ (I guessed I failed since a good chunk of my CPF OA is channeled to my home) 
I admit I suck at investing. While people boast about their 1m stock portfolio, I'm ashamed that I'm not even 1/5. I haven't invested this year except for occasional small entry using SRS. I guess I was really being nonchalant. 

Here's my 2026 goals:
  • Build a stronger portfolio through DCA (target - 2k per month)
  • Grow passive income to 30k/year
  • Stay unharmed at work and continue to ride the waves
  • Explore an alternative career path
  • Donate more than 2025
  • Bring my parents overseas (already 1 planned)
  • Gain more muscles, not fats by strength exercises
  • Eat, buy, do whatever I want (I'm actually doing so already in 2025 and like to continue in 2026. Self-love!)
  • Visit a new destination (already one planned, and foresee another one coming if all things go smoothly!)
All these seem to be feasible goals and I look forward to checking all off. 2026 will be great for me!!!

Lastly, interest for CPF is in today:

Till next time.


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