Putting aside the macroeconomic conditions that are not within our control, how well did you manage your finances in the year 2022? Me: I've managed to put aside emergency funds.

1) topped up $15300 to my SRS for the first time

2) lost all my Bitcoin when Hodlnaut filed for bankruptancy

3) welcomed a new member into my family late last year. Need to start topping up her CDA

4) this year, I am gonna rebrand myself as the BTC specialist and see where this leads me to. Wish me luck!

2022 was my first full year spent as a FT working adult while starting my Bachelor's PT, after completing my National Service. Here are my thoughts -

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• What have you done well?

I think I've done very well in shaping the basic structure of what I want my finances to be like. Got all my essential insurance policies done up (even funded 2 for my parents), managed to save ~4 months worth of expenses. I also have a healthy investment portfolio.

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• What could be better?

Of course I could have saved more, but considering this is only year 1 of the many more to come, I'd say I'm satisfied with what I could achieve. I had pre-paid for a holiday trip for next year, so looking forward to my long-deserved break. No point working so hard and saving so much just for it to look good on a balance sheet if I feel miserable living life.

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• What has changed since the beginning of this year? Did your financial goal(s) change? How did it change?

At the start of the year, I only anticipated saving up enough money for emergency use as well as getting a portion of my insurance policies done up, but I realised I was spending less than anticipated (guess I wasn't as much of a spendthrift as I initially thought).

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• What else could you do to achieve your financial goals?

Now that I'm on the right track, I'd like to get my full 6 months worth of emergency funds sorted out and thereafter continue working on my investment portfolio. Will start to plan for big-ticket item expenses (wedding, property, etc.) soon too.