Portfolio Allocation / Management

[Temperament]

The expenses you're making which has impeded you from reaching your target are in my opinion, worthwhile. I'll never trade money for an ideal home/family; you should feel proud of the effort you have put in.

It is normal to be deep in the red, from time to time. And given that you're invested sum is not huge, you should be glad that you're making mistakes on smaller sums now rather than in the future when your investment capital is likely to be much larger (and the fallout from mistakes more amplified). Don't be too bothered by the red, and don't stop looking for good buys.

i agree with you on all what you said except "It is normal to be deep in the red, from time to time."
i think one should try not to use leverage if possible. Because not only it's "abunai", you won't be able to accumulate anything until your debt is cleared. i hardly can remember i take a loan except company's FOI car loan, in my life.
And may i add, of course i could afford buying the car with my own money. Therefore i were actually making money from FOI sum of loan.