Always keep one or two years of expenses in my bank.

I picked this out because so many people don't do this simple thing. (Mostly because of the want it now mentality that means people spend what they have on want items for the instant gratification.)

I try to avoid unfavourable situations and bad times

This is normal, although sometimes they come whether we want them or not...It's what you do at that point, and how you proceed, that matters. I think you do pretty well and are growing and developing nicely. I'm not sure how old you are but I think you'll get better as you go. Keep it up.