Simple Budget, Simple Life

In end 2021, I shared that I was hitting close to $700k in net worth. I did. On 1 Jan 2022.  But, things just went downhill from then on.  Here's a recap of my finances over the years: 2016 -  Unexpected review of 2016: hitting $200k in net worth 2017 -  End 2017 review - net worth at $287k 2018 -  End 2018 review - net worth at $372k  2019 -  End 2019 Review - inching close to $500k net worth  (~$440k) 2020 -  End 2020 Review - net worth at $550k 2021 -  End 2021 Review - closing in to $700k net worth Targets review: These were what I set out for 2022: Aim to achieve $850k net worth in 2022❌ Bring my parents out for an overseas trip; if not make do with cruise trip❌ Grow crypto portfolio to 10% of networth❌ Material wants: buy a rolex and LV/chanel bag✅ (no rolex or chanel, but a LV) 2022 Review Here's a recap of what went by in 2022: Jan Started the year with $8728.48 in CPF interest Made my first CPF top up of $3k to MA in 2022 Shared...

This year is definitely going down as my WORST financial year. For the first time in my working life, my net worth DECREASED, although my income increased. But I'm still holding on some hopes till 31 Dec 2022.  Praying for better stock and crypto market. This year hasn't been kind. If not for my own intuition and initiative to job hunt, I'd be jobless. I am thankful to myself and any higher beings for blessing me.  I now have an inkling of how it feels like IF I had no income stream. While I have at least $100k cash savings across FD, banks, it's not as much as before. Most of it are stuck in stocks, for which I'd incur losses by selling now. A good portion is in crypto, which I'm preparing to write off as 0. I blame my poor planning and eagerness to strike it rich, fast.  If I had been more careful with my money, I'd be richer. I'd have more disposable cash to plonk into high interest accounts. I'd feel less jittery if I had no income for a while. B...