For readers who have been following our journey back in 2021, we have been sharing our monthly updates on what we have been working on monthly towards our financial goals. Things were looking exponentially well for us, Mr Budget’s net worth exploded from $540,000 in 2020 to $1,780,000 in 2021, and Mrs Budget’s net worth grew from $434,000 to $1,250,000 in 2021. Our total combined net worth, excluding our properties and mortgages, is at S$3,000,000 in 2021, compared to just S$975,000 of combined net worth in 2020. All of that has been attributed to crypto. As part of our 2022 goal, we wrote tha ..read more

Hi, how has everyone been? We have been away for more than two years. Have been thinking of doing an update on what we have been up to but it will probably end up being a super long post. And we have lost a fair bit of money and for readers who may have followed what we posted in the past, we feel somewhat responsible for causing the loss, and we are sorry about that. Not too sure too if anyone is still reading. If you are still reading, let us know, and hopefully, you have been well! If there are enough responses, we may return to our updates again. Otherwise, happy new year ..read more

As the year come to a close, its time for us to do our annual reconciliation and look at how we did financially this year, and then chart down some actionables for us for the new year. The new year is just next week! Mr Budget’s Net Worth Grew 229% From 2020 For Mr Budget, 2021 has been another great year in the personal finance side of things. Mr Budget’s net worth grew 229% from S$540,000 last year to about S$1,780,000 this year. This represents an increase of +$1,240,000 excluding our mortgage and property calculation. Mr Budget 2018 2019 2020 2021 % Change Net Worth $153,000 ..read more

Hello everyone! It’s the end of the month again, so here’s our mandatory monthly update to share what we have done this month in November 2021 with regards to our personal finance. For November, we continue to add into crypto. November was a positive month for our crypto portfolio due to the metaverse narrative which sent a lot of metaverse related crypto to new all time highs. For November too, we continue to see more and more companies moving into the crypto world: Facebook announced that they are rebranding to Meta, a commitment to build the metaverse in the next 10 years Other global comp ..read more

Hello everyone! It’s the end of the month again, so here’s our mandatory monthly update to share what we have done this month in October 2021 with regards to our personal finance. For October, we continue to add into crypto, but hey what’s new haha. So we finally took out capital from our US equities to reinvest them into crypto. What’s left of our US equities is the profits we have made, so we are left with playing with house money in the US equities. We sold off our positions in Tesla (before the huge run up!), Unity, PayPal and Palantir, and kept our positions in Google, SE, and NVIDIA wher ..read more

Hello everyone! It’s the end of the month again, not sure if this monthly update is still relevant to readers but we are using this to document some of our thoughts as well as our progress. As with our monthly updates, here are what we’ve done in September 2021 with regards to our personal finance. This monthly update feels a bit more like a crypto update now, so we try to touch some non related crypto stuff at the end of the article this time round. For September, we continue to add into crypto and added a new position Algorand into our portfolio, while averaging up on Luna. To fund this, Mr ..read more

Hello everyone! It’s the end of the month again, not sure if this monthly update is still relevant to readers but we are using this to document some of our thoughts as well as our progress. As with our monthly updates, here are what we’ve done in August 2021 with regards to our personal finance. For August, we continue to add into crypto as we’ve previously mentioned, we are unsure where else to put our money at this point. US equities also looked a bit overheated for us now, with limited upside. For August, we traded a fair bit of our crypto positions here and there, and repositioned our cryp ..read more

Hello everyone, hope everyone is well! We realized that we haven’t been updating our portfolio page much and have been receiving some emails on our portfolio breakdown, especially with regards to crypto. The truth is that, we were a bit busy with the arrival of our baby, and another thing is that for crypto, it is actually very hard to track the actual transactions because sometimes we make opportunistic trades and we go in and out of the trades very quickly. Another thing is that we are also placing some of our crypto in farms and it is very hard to track the actual amount day to day because ..read more

Hello everyone! It’s been a month since we updated here. This update will also be a relatively short one as our baby is finally here! All the hard work goes to Mrs Budget and she is now recovering well too! As with our monthly updates, here are what we’ve done in July 2021 with regards to our personal finance. For July, we continue to add into crypto as we do more and more research in the space. We averaged into Matic, Chainlink, Sushi. We managed to exit 60% of our crypto position and went in and out of Axis and made a quick 50% in just 2 weeks – because of that trade, our portfolio went up t ..read more

Hello everyone! It’s been a month since we updated here. Been busy with our work and prepping for the arrival of our baby! As with our monthly updates, here are what we’ve done in June 2021 with regards to our personal finance. Mr Budget Position Added: Matic, Sushi Take Profit / Cut Loss. – Mrs Budget Position Added: Matic, Sushi For June, we continue to add into crypto as we do more and more research in the space. We averaged into Matic and initiated a new position in Sushi as we think they are really undervalued now. For readers who are in crypto, you would know that for the month of June ..read more