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Back back back!

I realized I actually did have a blog... Well, going forward, I will be penning down my financial journey and for a start, let me put down a few milestone I am proud off today.

2013: Started working with a annual pay of about 45,000 SGD / annum

 2014: Promoted in Dec'14 with my annual salary increasing to 61,500 SGD/annum

 2015: Left my first banking job, and got another increment to 71,500 SGD/annum

 2016: 
Saved about 40,000 SGD at this stage; bought my first house with CPF = 60,000, Grant = 50,000 and Cash = 100,000.

 2017: Fantastic Year!
Married in Mar'17 and net worth reset to 70,000 SGD (ang bao);
Moved into new home in Mar'17
Promoted on Jul'17 with a 36% pay-rise to 103,600 SGD / annum
Made first real investment in Ascott (15,000), Fraser (15,000) and Lippo (10,000) in Dec'17
Hospitalized for HFMD and reported sick for 1month, and career suffered

 2018: Finally catching up with work, and appreciated, but got the lowest % payrise in 2018 @ 12% to 116.000 SGD per annum

 2019: 
Did well but was politically sabotage with a lower than expected rating, but still above average just not the best; boss compensated by giving me 2months earlier payrise at 18% ending at 136,000 /
annum

Oct'2019 
Net worth = 620,900
Liquid Assets = 280,000 (cash + equities)
Debt = 400,000 (HDB loan)

Cash = 130,000
StashAway = 900
Equities = 150,000
Home equity = 680,000 (value) - 400,000 (debt) = 280,000
Insurance = won't count this
CPF Ordinary = 30,000 (myself) + 30,000 (wife)

Miles net worth = 450,000 miles = $8,600 SGD :)

SQ = 200,000 miles
Citi = 50,000 miles
DBS = 20,000 miles
UOB = 20,000 miles
AMEX = 80,000 miles
Wife = 90,000 miles






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