{"id":241996,"date":"2025-05-14T19:42:39","date_gmt":"2025-05-14T19:42:39","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/investing\/shitty-2022-reframing-my-mind-and-be-positive\/"},"modified":"2025-05-14T19:42:39","modified_gmt":"2025-05-14T19:42:39","slug":"shitty-2022-reframing-my-mind-and-be-positive","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=241996","title":{"rendered":"Shitty 2022? Reframing my mind and be positive"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div id=\"post-body-3468576787902036792\">\n<div class=\"separator\" style=\"clear: both; text-align: center;\"><a href=\"https:\/\/blogger.googleusercontent.com\/img\/a\/AVvXsEjHvNuO7cg0c4EZFd4uwhM2mbHRP-CyojQ88f49uVk0XI0dN-56irDjT23wqd7bopEoJL54Rh3uUOriND4MtAptkSr2bgTpEgEFaWE-dLZrQYMnDVQcwzeikvdiRE2Aj_aJxKzsuxmdrkcHgAmYfsJa5mmfOVP-Lktijhcvuh4Az8qY-x59B-Ql955QNQ\" style=\"margin-left: 1em; margin-right: 1em;\"><img loading=\"lazy\" decoding=\"async\" alt=\"\" data-original-height=\"367\" data-original-width=\"291\" height=\"400\" src=\"https:\/\/blogger.googleusercontent.com\/img\/a\/AVvXsEjHvNuO7cg0c4EZFd4uwhM2mbHRP-CyojQ88f49uVk0XI0dN-56irDjT23wqd7bopEoJL54Rh3uUOriND4MtAptkSr2bgTpEgEFaWE-dLZrQYMnDVQcwzeikvdiRE2Aj_aJxKzsuxmdrkcHgAmYfsJa5mmfOVP-Lktijhcvuh4Az8qY-x59B-Ql955QNQ=w317-h400\" width=\"317\"\/><\/a><\/div>\n<p>This year is definitely going down as my WORST financial year. For the first time in my working life, my net worth DECREASED, although my income increased.<\/p>\n<p style=\"text-align: justify;\">But I&#8217;m still holding on some hopes till 31 Dec 2022.\u00a0<\/p>\n<p style=\"text-align: justify;\">Praying for better stock and crypto market.<\/p>\n<p style=\"text-align: justify;\">This year hasn&#8217;t been kind. If not for my own intuition and initiative to job hunt, I&#8217;d be jobless. I am thankful to myself and any higher beings for blessing me.\u00a0<\/p>\n<p style=\"text-align: justify;\">I now have an inkling of how it feels like IF I had no income stream. While I have at least $100k cash savings across FD, banks, it&#8217;s not as much as before. Most of it are stuck in stocks, for which I&#8217;d incur losses by selling now. A good portion is in crypto, which I&#8217;m preparing to write off as 0. I blame my poor planning and eagerness to strike it rich, fast.\u00a0<\/p>\n<p style=\"text-align: justify;\">If I had been more careful with my money, I&#8217;d be richer. I&#8217;d have more disposable cash to plonk into high interest accounts. I&#8217;d feel less jittery if I had no income for a while.<\/p>\n<p style=\"text-align: justify;\">But, these are learning points. That as I cross 30, I must prepare for the next unforeseen event. That come 40, I may become less employable and I must be prepared to take pay cuts and pivot to other roles. That it is all the more important for me to save up more for rainy days.<\/p>\n<p style=\"text-align: justify;\">I have not been as prudent as before. I guess because I&#8217;ve reached a certain level of income\/financial security, I figured I can&#8217;t just be saving and not enjoying. I began to spend more to fill my past void.\u00a0<\/p>\n<p style=\"text-align: justify;\">I spent on luxury bags, justifying that this is my first time rewarding myself after working for close to 10 years. I wanted to be seen as successful, that I could afford these. But on hindsight, nobody bothers much about what you wear. I did get a few praises on my bag which made me happy, for a few seconds. I have to remind myself that I should avoid spending on this the next time I travel to Europe.<\/p>\n<p style=\"text-align: justify;\">I was more open to spending on food. In the past, I&#8217;d always choose the cheapest deal\/meal. Now, I look less at the price, but more of what I think would be interesting to try. That said, I still make it a point to scour food promotions where possible.<\/p>\n<p style=\"text-align: justify;\">I am now more open to travelling far, to Europe, to America. Such trips would easily cost $10k+. I feel that while I&#8217;m still healthy, I should travel far, instead of to neighbouring countries. In my 20s, given my desire to save more and spend less, I&#8217;d choose places like Thailand, Indonesia, Vietnam, Korea, China. On hindsight, I should travel to the other part of the world while I am young, and able to handle student hostels, ungodly travelling timings.\u00a0<\/p>\n<p style=\"text-align: justify;\">But time lost cant be recovered.<\/p>\n<p style=\"text-align: justify;\">So, instead of wallowing in pity that I am in this financial state, and knowing I myself am to be blamed for the decreased net worth, I ought to be reframe my mind and be positive.<\/p>\n<p style=\"text-align: justify;\">I ought to be thankful that I am healthy, I have a job, and a lovely partner. I shall leave my reflections till year end, and hopefully miracles happen and I&#8217;d be able to share improvements in my net worth.<\/p>\n<p style=\"text-align: justify;\">Meanwhile, I will strive to be more mindful of my spending habits. After all, everything including GST is rising.<\/p>\n<p style=\"text-align: justify;\">Till then<\/p>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>This year is definitely going down as my WORST financial year. For the first time in my working life, my net worth DECREASED, although my income increased. But I&#8217;m still holding on some hopes till 31 Dec 2022.\u00a0 Praying for better stock and crypto market. This year hasn&#8217;t been kind. If not for my own [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":241997,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[96],"tags":[5809,2221,31285,88979],"dealstore":[],"offerexpiration":[],"class_list":["post-241996","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing","tag-mind","tag-positive","tag-reframing","tag-shitty"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Shitty 2022? 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