Simple Budget, Simple Life

This year flew by quickly again and I'm one year older, but don't feel wiser. I feel more negative and jaded, especially relating to work. Now that I have my own house, all I want to do is stop work and nua at home haha Reading back  last year's post  made me think - last year was pretty exciting. I like how I can read back on the little achievements I noted down on this blog. I'll use last year's post as a guide on what to blog about. Key things that happened this year: - Travelled overseas for work ✌️ - Travelled to 17 cities. Officially the most travelled year of my lifetime. Probably not able to beat ever - Caught the Northern Lights - Own my first property at a prime location But the most important thing I wanted this year did not happen. Oh well, hopefully next year will be better! On to my  Goals in 2018  and the Reality in 2019 Stay healthy and happy -  ✅I guess. Have a little piglet in 2019 -  ❌disappointment month after month Travel to Europe

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

I used to track my daily expenses daily. With every purchases, I'd keyed into google sheets. But as time goes, I got lazy. I figured there's no need for me to track it daily given that I'm disciplined with my outflows. In any case, I've never budgeted how much I should spend on food, transport, shopping etc. Hence, the daily expenses tracking actually don't serve much purpose. However, one thing that I continued to do, is to track my monthly assets/net worth. And they are broadly categorised as follow: Cash Savings FD Stocks CPF It feels good to see your money grow in the different pots and pinpoint which has the biggest growth. So here's presenting my annual net-worth growth since 2015: I'm not confident that I'll hit $400k in the next few months given that I'd be wiping out almost all my CPF for housing soon. Reno cost a bomb and furnitures and appliances will wipe out a chunk of my savings. My net worth will likely drop below