Net Worth and Life Update (November 2020) – S$263,606

Computer and phone

Written by Liz

Just your regular 27-year-old, queer, super-introverted, FIRE-chasing, frugal Singaporean, who lives a pretty good life while earning only a modest salary, but still plans to retire at age 40 with $1,000,000. Click here to read more

December 6, 2020

Hi! Welcome back to another month-end net worth and life update.

Every month, I track my net worth progress towards my $1,000,000 milestone, which is how much I need to retire early. Let’s find out how November 2020 went.

Life Updates for November 2020

For part of October and all of November, I decided to take an extended break from blogging and my niche sites. While I did spend 1-2 hours a week throwing together a bunch of posts to keep up my weekly schedule on this blog, I didn’t do much more than that.

My time away gave me a lot to think about, and I do believe I have a clearer direction on where I should be headed regarding this blog and my niche site.

During my time away, I got to experience a slower pace of life, and got to see new things around Singapore.

Haji Lane

Visting Haji Lane to eat some pies from Windowsill Pies.

Hort Park

Visiting Hort Park for some greenery and to buy some plants.


Scouting out places where I can start filming for my YouTube channel.

Financial Updates for November 2020

And now, let’s get into the financial aspect of things. A few things to note, as usual:

  • I track my net worth in Singapore Dollars (S$).
  • But I also include a conversion to U.S. dollars (US$) in my net worth update.
  • At the time of writing, the exchange rate is S$1 to US$0.749.

Without further ado, here are all the numbers.

What’s my net worth?

Net WorthAs at 31 October 2020As at 30 November 2020Gain / Loss
Brokerage (SG)S$124,322S$140,446(+S$16,124)
Brokerage (US)S$42,009S$44,832(+S$2,823)
Total Net WorthS$249,062S$263,606(+S$14,544)

As at 31 October 2020, my net worth was S$249,062, or US$182,064.

As at 30 November 2020, my net worth was S$263,606, or US$197,441.

Unfortunately, I’ve still be bleeding a lot of money because of my niche site. Outdoor gear is expensive, and my wallet certainly felt it. I’ve started to not only spend all my salary, but started to dip into my savings as well, as you can see from the drastic drop in cash.

On a positive note though, the stock markets went crazy (in a good way) this month. Although I no longer have any money to invest (I haven’t invested in months), my brokerage accounts went up by almost $19,000. That’s certainly an eye-popping number. Again, my net worth hits a record high despite my ridiculous spending on my niche site. Cool.

What’s my asset allocation?

How was your financial progress for November 2020?

As always, thank you for reading and supporting this blog.  

Become a Millionaire and Retire Early on a Modest Salary Book Cover

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