Came across your blog via a post on HBD from a year back, I like your attitude and feel your frustration of having to withdraw your savings while you had other plans to reach your goals.
But you seem resilient and determined to keep at it and build back, just imagine if you DID NOT build anything aside from your work income. In the end it was there and you were able to avoid more debt which is a win.
Promoted your post as I haven't used ecency lately and had some points laying idle, hope it helps!