My first foray into crypto was during the hype. Back in Feb 2021 During Feb 2021 to Jun 2022, I added in bit by bit - DCA as what they say. BTC, ETH, MATIC, SOL and even the horror LUNA. Thereafter, as crypto crashed, I stopped, praying one day it will rise back. And today, as I found that BTC is now at ATH, I decided to cash out 1/4 of my BTC for some profits. It's still a far cry from the amount I've lost, but I'm glad I could recoup some losses. Just to detail for my future reference, I transferred my BTC from ledger to coinbase. And sold my BTC on coinbase to SGD, incurring an atrocious fe ..read more

Happy Lunar New Year! How has everyone spent their lunar new year?  On the first day of LNY, I woke up early to catch the sunrise, soaked in the sunlight and prayed for a good year. This LNY has been rather peaceful for me, as with the past few years - I was done with visiting on the first day, works well for my introverted personality. I confess I'm not an approachable aunt - I don't actively reach out to the younger relatives - I have no clue what to say; small talks are just not for me. So far, the start of the dragon year has got me checking off a few superstitious acts, just to make ..read more

 2 weeks into 2024. Crazy. Crazy that time flies, and how the first two weeks of this year were marred with negative news - earthquake in Japan, plane crash, tuberculosis cluster, layoffs... On a personal front, negativity hits again. First week of the year set out ok, I was hyping myself up - new year, new thoughts - good thoughts only. The second week got me back to old thinking. Anxiety and self doubts are creeping in again. I previously mentioned in my end 2023 review post that company is undergoing restructuring and my job security is unknown. Closing in to my mid 30s (to t ..read more

Thanks to those who left comments in my earlier post. Appreciate all your kind words. Anyway, time flies and it's another year of insurance payment. I have been on NTUC Enhanced Income Shield Preferred hospitalisation insurance plan with plus rider for many years. Not cheap, but it's a must have for peace of mind. As part of yearly insurance renewal, my CPF MA was recently charged $656. Since I was previously at the MA ceiling of $66,000, I wanted to maintain this for both 4% CPF interest and to maximise my tax relief. You would have known by now that, each of us are able to top up a maximum ..read more

  Back in Jan, I blogged about my SRS Game plan via Endowus here. Updated my Feb transaction in the blogpost here. Now that it's Mar, I'm glad to report a few more transactions into Endowus SRS This is my 3rd transaction for 2022. Entered because of the fall in tech stock prices and omninous signs of recession coming + stagflation. The amount is split between Dimensional Global Core and Emerging Markets Large Cap. Jan: $3,060 Feb: $3,060  Mar: $3,060 I'm only left with 2 more tranches of $3,060 this year to complete my $15,300 SRS contribution for tax relief. Seems a bit too ..read more

It has been a good 3 years. Back in 2019, I signed up for Etiqa's ELASTIQ plan which offers guaranteed 2.02% for the first 3 years. I started with $5k initial deposit first, and top up another $10k after since the interest rate environment then was bad. Interest dropped Now that 3 years is up, Etiqa has sent me an email informing of the revised interest down to 1.2% Dear Valued Customer, We hope you are keeping well and safe. As COVID-19 continues to disrupt financial markets and economies, the prolonged uncertainty has made it challenging to maintain the existing crediting rate and loyalty ..read more

2 weeks into 2024. Crazy. Crazy that time flies, and how the first two weeks of this year were marred with negative news - earthquake in Japan, plane crash, tuberculosis cluster, layoffs... On a personal front, negativity hits again. First week of the year set out ok, I was hyping myself up - new year, new thoughts - good thoughts only. The second week got me back to old thinking. Anxiety and self doubts are creeping in again. I previously mentioned in my end 2023 review post that company is undergoing restructuring and my job security is unknown. Closing in to my mid 30s (to think I star ..read more

  Earlier in my post, I mentioned that I will be topping up $2k+. Silly me. That was before the MA interest gets rolled out. Today, I made a top up of $3,000 via paynow. This is because my company contributions usually come in on 7th or 8th of the month.  Now that this is out of the way, I will have $5,000 more throughout the year to top up. Will ponder about this later. Till then ..read more

This always boost up my mood every start of the year ? My beloved CPF interests. This time, I crossed 5 digits interest, clocking in $11,291.01 for 2023. Back last year, I was receiving $9k+ interest. I will be topping up $2,085.62 max out my MA and for tax relief purposes. I didnt hit BHS as at 31 Dec 2023 as my MA was deducted for my surgery.  -- Last night, I slept early and didn't do countdown. My hubby lie on the bed with me a while and hugged me. He wished that in 2024, I will be happier and able to achieve my goals, whatever that may be. He said he wished I will go ..read more

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 2022 - End 2022 Review - failing financial goal for the first time, $660k net worth 2022 wasn't a good year for me and I spoke about it here. I summed up 2022 with: To sum up 2022: I ..read more