Simple Budget, Simple Life

I never thought I would face this issue. After accumulating $300k cash, and feeling that I've kept too much dirty fiat with me, I've been investing aggressively. Aggressive may not mean smart. In fact, I am feeling stupid because my investments have been doing badly 🙃 As a quick summary, this is what I've been doing over the past year: Buying more REITS, just to name a few - Keppel dc, Ascendas, Capland China Buying more US stocks, just to name a few - Tesla, Roblox, Sea Converting SGD to USD for crypto Just on crypto alone, in midst of the recent drop, I've pumped in $15k SGD to buy BTC and ETH 🙃embodying BTFD in my blood very literally, within a week.  Am I worried? Of course! Each time I open my Tiger Broker + crypto apps, I see a blood of red. My limit orders on Gemini just keep setting off hahah. I've been doing what people call DCA, but man, the amount of transactions I made is quite crazy. I've also just started Anchor Protocol for it's lucrative ...

Back in late Aug 2021, I shared about my SGD$100 experiment into CakeDefi . I was lured by the attractive % and also wanted to venture further beyond the usual BTC, ETH buys. 3 weeks later, I provided an update here. Now that it's been 3 months+, here's how my gamble went: Here are my thoughts: The Yay 👍 My entry price was at SGD$3.90. With the price at SGD$6.35 now, coupled with the interest generated + US$30 referral reward earlier, I'm sitting on SGD$470.41 gain The Boos 👎 I don't wish to paint the pic that I'm always sitting on paper gains. DFI coins is VOLATILE - I have not been monitoring this SGD$100 gamble much, but the few times I glanced at the DFI coin, it was a laggard compared to other coins. However, it is interesting that despite the BTC drop of 20% yesterday, DFI coin has held itself well. APY% has been dropping. It started with 88.9% in Aug, to 73.6% in Sep, to 41.9% today. I haven't been monitoring the rate daily but it's great that I s...

As someone who held massive cash (in proportion to my networth) previously, it feels scary to see that I'm running out of cash. For context, just 1 year ago back in Aug 2020, I talked about having $300k CASH before reaching 30 and the breakdown is here. Few days after I posted, I came upon Tiger Brokers (see my guide and referral here)  and have invested heavily since. I grew my Tiger Brokers portfolio from $0 to $28k (one month later)  to $70k (five months later)  to $95k (eight months later)  to $136k (eleven months later)  to $170k now (1 year 3 mths later). And unfortunately, I am sitting on paper losses amounting to close to $9,000 now 🙃as a bulk of my portfolio is in HK/China stocks 🙃🙃🙃🙃🙃I'm the donkey. I've depleted more than half of my CASH warchest just on stocks alone. I also started my crypto journey in Feb this year.  From $0 to close to $30k capital pumped. Though the good news is I'm seeing gains of around 20-30%. Not an amazing f...

Ever since WFH, I haven't been suffering from Monday blues as much. I guess I only hate Mondays because I need to step into the office. Anyway, happy news to share. Firstly, congrats to those who signed up for crypto.com account when I posted about it (search my blog for crypto.com tags). Back then, I shared about their amazing sign-up promotion where you'd get SGD$100 CRO coins back with SGD$100 deposited.  If you've signed up when I spoked about them in Part 1-Part 4 of my posts, you'd have seen good % increase on your CRO token! Personally, my CRO coins have now > doubled! As of writing, the price has reached ATH. However, because these are staked, I can't cash any profits out, but it feels good to see the price appreciation!😬 Secondly, belated news but I've gotten my Crypto.com Ruby Metal Card! This is actually my 2nd metal card, the first being SCB X card that I signed 2 years back. As of now, I've only used my card for transport to get back 2% cas...

<pic from google images> I just dug deeper into the crypto rabbit hole. I started the journey just in Feb this year, starting off with Ge mini where I earned free US$10 in BTC lol. It took me 6 months to pump in more money in Aug and decided to generate interest on my coins via Hodlnaut and received a US$20 signup bonus. Thereafter, within the month, I set up another staking account with Celsius where I gained 8.88% APY on stablecoins and received US$50 BTC reward on US$400 staked. In the same month, I signed up for Cakedefi because I was lured by the 88.9% APY.  In Sep, I registered for the Crypto.com account given it's attractive promotion of SGD100 in CRO coins . Psst, it's recent run-up has been giving me quite a good % gain 😊 Now in Nov, within just these few days, I ventured beyond buying coins from the CEXs. I transferred, swapped/bought new coins sitting in my crypto wallet. I gambled and got my first meme coin. I participated in my first liquidit...

Oopsie. I was supposed to reveal my NFT but work caught up and I've forgotten about it. Until, I was reminded by a cryto.com notification that there's a special referral promotion running now. 2 things: 1. NFT reveal Earlier, I shared about the enticing promotion by crypto.com  here . By signing up as a new user, you'd get $100 CRO coin plus a NFT! Unfortunately, this promotion has ended. It was a great promotion for me though - especially after crypto transactions via Binance would be greatly limited. Anyway, for those who are curious how the NFT look like, it was pretty underwhelming. At first, when I saw it animate, I thought it would "crack open" and reveal a unique character or something.  You can search for mooncake in their NFT platform or visit here  to see how it looks like. That's not mine btw. I don't intend to sell mine, neither do I think anyone will buy it😬...unless they come up with a use case (hopefully?) 2. USD$50 referral bonus If you m...

Quick update. Just early this month, I shared the crypto.com promotion here  which ended on 22 Sep 2021. I've also blogged a part 2 about why I signed up . Interestingly, with the latest news on Binance , crypto.com serves as an alternative for buying and earning coins. Anyway, for those who took action after my post, check out your email from CRO! Here's the snapshot informing me about the incoming rewards! SGD100 CRO coins and my very first NFT ! Whee~~~ I'll update next on how the NFT looks like once I get hold of it. Can't wait! Referral reward Unfortunately, the SGD$100 promotion has ended. However, if you are looking at crypto.com as an alternative to Binance, do use my  referral link  or code below! You will get US$25 referral reward with S$500 CRO purchase (you dont have to buy it in one shot).  ybm9v5zhv7 The  registration guide can be found in my previous post here .

Previously, I blogged about my S$100 experiment with CakeDefi . After 3 weeks, here's the progress: Unfortunately, DFI coin has dropped value (I got it at S$3.90) so the status check today isn't rosy. But hey, coins value move up and down. I'll just carry on! Me thinks that the free US$30 reward is a decent bonus so I am fine to leave my SGD$100 there to do its magic.  Snapshot of daily interest  Plus, the platform is clean and easy to use. Interests per 12hours are recorded, so you can check it out everyday. I don't bother checking it much; will just leave it to roll. As of today, staking DFI will give you 73.6% APY (note that the rate changes every 12 hours): Referral for CakeDefi If you're keen to sign-up Cakedefi (of coz DYODD), pls use my referral link here  where you'd get a  total of US$30 worth of DFI (US$20 worth of DFI when you sign up and make a deposit of US$50 or more + US$10 referral reward). You can refer to my blog here for the registration guid...

One week left till the Crypto.com sign-up bonus of SGD$100! If you're clueless what I'm talking about, you can read more  in my earlier post  about the exciting promotion along with the registration guide. Why Crypto.com? In a bid to make things clearer, I've created a graphic map of WHY a crypto.com account is useful and attractive for me with the boxes ticked as being most relevant for me 1. Sign-up promo (SGD100 + NFT) + Referral promo Without a doubt, the main impetus to sign up an account was the SGD100 promotion.  By being the first 100,000 new users to purchase SGD $100 CRO, I would get an equivalent SGD $100 CRO reward.  Plus, I'd get my very first NFT “Lion Mooncake”. Curious to know how it looks like! To maximise the rewards, I decided to stake SGD $500 CRO so that I can unlock the referral bonus of US$25 as well. Total reward pending: S$100 CRO from Mid-Autumn promo + $33 (equiv to US$25) CRO from referral code   = $133 Lion Mooncake NFT to be u...

Exclusive for SG users from 6 Sep till 22 Sep 2021, crypto.com is giving the first 100,000 new users promo bonus of SG100 . You can read more here: https://blog.crypto.com/mid-autumn-festival-new-user-promo/ Given their current attractive offer, I decided to sign up for an account using a referral link to maximise the rewards received (both referral reward of US$25 and SGD$100 Mid-Autumn promo), since sign-up bonus can only be taken once.  PS: as with all crypto-related investments, risks applies. Pls DYODD! If you're all ready to sign up, here's a quick guide. Registration guide 1. Click on my referral link  and you'd be brought to a page for sign-up. Enter the referral code below during sign-up. They will bring you to a page to download the app.  ybm9v5zhv7 Note: by using my referral link, you will receive US$25 CRO coin. I will receive US$25 in CRO once you reserved a metal crypto.com visa card. Read more in S/N 2. 2. Upon logging in the app, if the referral code ...

This week shall be proclaimed as the week of baptism into crypto lol.  Within a short span, I created accounts with 3 different crypto platforms - Hodlnaut , Celsius and now.....Cakedefi. Lured by the dangling carrots of 80 to >100% APY by staking on Cakedefi, I decided to check it out. The crypto space is really intriguing. I am just a beginner trying to dip my toes into the various ponds in hopes to gain more understanding of what others are trading/doing. I've been reading crypto articles on and off for the past year, but it's never the same as taking actions and trying things out in reality. #nevertryneverknow I thought it wouldn't hurt for me to test out all these crypto platforms with a bit of money. I ain't no baller, but I have mentally prepared myself to see deep losses. As such, I decided to put in SGD$100 into Cakedefi as an experiment to see what rewards I'll get in the next 180 days. If you are keen to join Cakedefi, here's my sharing on how to k...

Crypto Back in Feb, I shared about my foray into the crypto world here . The only platform I'm using is Gemini (you can refer to my  guide  and  referral link ) In just a short 3 months, the volatility of the market has been insane. I started off with only hundreds. As the prices went up, I bought more thinking it will rise higher. My portfolio then reached thousands. And then it dropped. I shan't act brave, but my eyes widened each time I opened my app. 1 month back, I was at 20% paper gains, but today, I am at negative.  Despite that, I see this as a good time to DCA. That said, ironically when the crypto market tanked a few days back, I couldn't enter gemini due to system error. My husband faced the same for binance as well. I currently hold only BTC and ETH. My husband has been more adventurous to hold a lot more alt coins and his portfolio is a 5 digit figure. I am actually glad that he is taking steps to invest as he isn't keen on managing his money. Not t...