This year passed by exceptionally fast.
So many things happened this year that if I don't keep a blog, I'll probably forget the details of what happened. Key things that happened this year:
- Secured my flat in my dream location
- Got married
- Got promoted
2018 review
Here's a recap of what went by in 2018
- Jan: Shared my 2017 review, and my net worth at $287k. Also shared about my hopes for 2018 which came true for most! Here's a recap of my 2018 hopes:
- Receive my promotion this year (likely to happen)
✅
- Receive a good ballot number for my flat
✅
- Enjoy my marriage preparation this year
✅
- Plan for a family getaway for 2019
✅
- Be less stress about work this year (not so optimistic considering the projects lined up for me)
- Be someone whom others admire and look up to
- Stay healthy, always
- Monitor my spendings - no more qoo vouchers to hit min credit spending.
- Save $50k this year HAHA (praying for good bonuses to make achieving this easier)
✅
- Feb:
- Applied for Feb 2018 SSB - applied for quite a few SSB this year as it is a great way to grow my money
- Feeling stressed out at work which made me ponder if I should leave. Received 2 great news - 1 on Promotion, and 1 on my successful ballot in my dream area after so many tries! 2 ticks off my 2018 hope list! 😎
- Mar:
- Shared about my cheap travel insurance to Bali via Policypal.
- Said goodbye to the BOC Family Card after their disappointing revisions.
- Apr:
- Having owned 10 credit cards, I decided it was time to do a credit card cleansing exercise
- Hit $150k in cash savings
- May:
- Having mixed thoughts about leaving my first job and decided to act on it
- Shared updated tips on how I hit $150k
- Jul:
- Received 2 offers of which 1 was bad so it was a no go. Another was nothing extraordinary but at least there were slight incentives to move
- Shared on my Jul updates - I accepted the job offer, placed $7k into my CPF SA, parked money with CIMB FDs and made some stocks transactions
- Aug:
- Sept:
- Was charged annual fee of $305 by BOC for my credit card and they refused to waive off. So goodbye it was to not just its cards but also its savings account
- Didn't have a good start at my new workplace
- Oct:
- Shared tips on how I managed to cover the full cost of my wedding
- Blogged about my shift to DBS Multiplier as my main savings account
- Nov:
- Forgot to make payments to my credit cards and got a scare with the exorbitant charges which they refused to waive! Learnt my lesson and applied for GIRO payments instead (which still hasn't been settled🙄)
- Shared about the Singlife 3% endowment which was similar to FWD 2.02% endowment some time back. Didn't sign up in the end though
- Dec:
- Shared about my hack to dine on the cheap with Chope vouchers
- Travelled to Sapa at >$1.5k for 2
- Found out that I've hit $200k in cash savings but it has since dropped after I made contributions to my CPF MA
- Other things not covered in my posts
- Purchased MINDEF/MHA Insurance together with my hubby
- $200k for term coverage
- $100k for early CI, CI and PA
- paid for by hubby 😍
- Purchased $10k of SSB for Jan 2019
Net Worth
- Grew my net worth by $85k in one year.
Some things to note:
- did transfers/contribution to my CPF SA & MA and my mum's SA
- deducted ~$20k off my CPF for my flat
Investments and Gains
Gained an estimated $10k from CNY angbao, bank interests and stocks transactions and dividends
Hopes and Goals for 2019
- Stay healthy and happy
- Have a little piglet in 2019
- Travel to Europe for honeymoon
- Plan another short getaway for hubby and my family
- Hope to move into my new house by mid this year and enjoy the reno process
- Keep within a $50k budget all-in
- Hit $250k in cash savings this year
- Pray for lesser stress at work than in previous company
Congratulations on hitting so many milestones in 2018! the irony is that with promotion, the stress level at work will go up higher! That is a quite a big amount of cash saving you have!
ReplyDeleteIn time, your stock % will go up.
ReplyDelete