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Readying for 2022

I track my net worth on a quarterly basis. For the third quarter of 2021, I'm happy to report that my net worth increased by 7.67% from the second quarter and by 19.78% from the start of 2021. My investments are either automated (i.e. coop investments are deducted from my paycheck) or I've trained myself to make monthly top-ups (i.e. peso cost averaging with my equities investments). In short, they're blah and boring. Exactly how I like them. In preparation for the new car we'll be buying in a few months and the car payments I'll be shouldering for 24 months after that, I've reviewed our monthly spending in order to determine how to best go about with the upcoming additional expenses.  The easiest way to free up cash is by deleting the Lazada and Shoppee apps on my phone because my impulse purchases usually result to a few thousand pesos every month.* The next step is to allocate majority of future bonuses towards car payments. We plan on selling our current ca

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