Simple Budget, Simple Life

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: 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  2...

I started prepping this post at the start of Dec. My initial draft indicated that I reached $700k net worth. As the clock strikes 31 Dec 2021, despite my pay coming in, I've not reached this figure.  I probably jinx myself by drafting too early. Back in early Nov, my net-worth was at $690k. I thought I would make it to $700k soon! Alas, my net-worth fell due to lacklustre performance of my stocks and crypto. The only avenue that is growing is my CPF (thanks govt). If I had held cash massively like what I did in the past, maybe I'd have hit $700k net worth soon 😅 Here's a recap 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 Targets review: These were what I set out for 2021:  Aim to achieve $650k net worth in 20...

I blogged about crossing half a million net worth in Dec 2020 at $550k. Half a year later, I'm proud to announce that I am at $618k net worth. This is the following breakdown: These are the accounts I have: 1. CPF - OA, MA, SA MA - hit BHS of $63k🎉 SA - 40% more to FRS OA - wondering if I should transfer excess of $20k to SA, but am also thinking of growing it for 2nd property. Thoughts from experts? 2. Stocks CDP - bleeding money Tiger Brokers - paper gain of $4k USD 3. Cash savings DBS Multiplier Standard Chartered Bonus$aver Singlife 4. Fixed Deposits Singapore Saving Bonds Etiqa Elastiq 5. Crypto Gemini - also bleeding money lol Net worth does not include insurance or flat value.  I kinda regret wiping my OA (kept $20k though) for my flat and making a lump sum cash payment for our mortgage. But what's done is done.  I may have been able to hit $186k FRS by end this year, and could have more cash on hand, but I doubt I will invest aggressively to get higher gains. Act...