This year is indeed a fruitful year for me as the reader might know, i have made a huge purchase last year November 2017 and start living at my own house in Feb 2018 (right before Chinese New Year, after renovation).

So technically speaking, I have $0 saving (excluding CPF SA and MA) as I have put down all my savings in the home purchase, renovation and furniture. Also, going through $0 savings and no portfolio is like a huge miss of opportunity to earn passive income through dividends but the purchase is worth it.

If you didnt read my history post, I made a private property purchase (2 bedroom condo). I will write down the experience in owning a condo in my very next post so that those who had intention to make a condo purchase, can take my experience into consideration if you keen to purchase.

Born in 1988, which