Saving my way to financial independence: progress in August 2021

August is one of my favorite months in Europe. Office life is relaxed, as everyone is on holiday and the weather is great. How did I progress on my slow journey to financial independence in August?

Spending and saving rate

In August I only managed to save 54% of my income. I spent SGD 5,593, out of which SGD 1,233 was spent on the business. First income for my business will be received in September.

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Portfolio development

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In August my portfolio increased from SGD 791,550 to SGD 797,295 (USD 594,000). Fresh investments of SGD 8,710 were offset by paper losses of SGD 2,965.

Asset allocation

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All on track.

Dividends received

My holdings paid out SGD 1,396 of tax free dividends.

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When can I retire?

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Need to reduce expenses as usual.

Outlook

In September I will have to go back to the office three days a week. After 1.5 years in home office I am dreading the idea of putting on a suit, driving for half an hour only to sit in an office and have video calls with my global team. The idea seems absurd. On the bright side my current contract is ending and I have just six months to go, until my sabbatical (hopefully!) starts.

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