This monthly sustainability report does not include any of the salaried income. The basis for this monthly financial review is to gauge the sustainability status of my financial independence based on the total amount of passive income received.
The 3rd quarter of the year closed with a passive income of $3,817.22, this brought the total amount of passive income for the 3rd quarter to $12,036.61, an average of $4000 per month. Not bad. The interest rate of DBS Multiplier has been cut really low, but still it doesn't cost me any effort to earn that small pocket money.
Dividend income however is certainly much lower than before, the Covid-19 impacts on the business is still pretty much evident. Some of the companies has delayed the payout date til much later, overall I am still getting paid for all those soldiers parked inside the companies. Household expenses continued to be maintained around $2000.
Portfolio adjusted, with some funds diverted to pay off the housing loan. This weakened the amount of war chest, but still maintained around 3% allocation. Other than that, nothing much change.
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