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Wednesday, January 18, 2017

Jan 18 2017 --- 2017 will be GREAT!!


2017 has started and soon its gonna be lunar 2017 too ~ while the economic outlook etc isnt looking as rosy as before but i guess this is the year where i am chasing one of my biggest dream so far ~ seeking financial freedom while juggling all the commitments i have ~

major ticket items in pipeline after the bomb on renovation and furniture will be honeymoon in japan ~ yea ~ darn it isnt cheap but well ~ since its for our honeymoon i guess its a worthwhile spend ~ of coz the current me is madness about investing that i think i probably choose spending less just to save and invest ~

2 mindsets had been going through my mind lately ~ someone shared with me that if u have $1000 today and you spend it then u have nothing left ~ but if u invest ur $1000 and spend the returns then u will have a steady stream of money to spend ~ make sense to me but will i end up wanting to invest the earnings too instead of spending? it really isnt easy to put a stop to how much is enuff ~ money is NEVER enuff ~ i used to target myself to earn a passive income that is 10% of salary and 20% and then 50% which i think would fit my deficit but upon reaching that mark ~ it seems like the urge to spend and urge to pamper my loved ones increase and i set an even higher bar ~ say 100% of salary ~ and as i slowly make my way to that mark i begin to wonder ~ if i reach that mark .. would that be enuff then?

another mindset is telling me that the money earned has no value to me until i spent it ~ quite true also ... do i like money as it is or do i like wat money can do for me or get for me? earning n stashing up money become like a number game where the bigger the number is the more shiokness it bring but is there point in making money and just seeing the balance there? i really duno ~ but i fear the day where i make money and i dun bear to spend it hahahaha xD thats akin to someone saying awwww ~ this cake is too cute to be eaten and end up there is food but the person starve to death xD

i guess i should set a target to myself in terms of time frame and quantum ~ set up a target i wanna achieve from the get rich part and slowly retreat back to the normal stable returns avenues ~ since i m already 36+ maybe i shall set myself a target by 2020 when i am turning 40 ~ i suppose i cannot be still a nothing when i m 40 ~ let me see ~ i would have debts to repay so thats gonna set me back like 80k then i should try to have a emergency fund of 100k and by that age i should start serious considering to build a portfolio which can decently ease us into old age ... kakaka ~ not sure if possible or not but for now ~ that shall be the masterplan!

2017!! BE DEBT-FREE and save S$100K by 40~


KeL speaks @11:59 PM                                    _`天注定`_