A decade about to end and a new decade about to begin.
Here are the things I want for myself in year 2020.
- To write more content
KefLah has been a ground for me to share information and ideas that suddenly pops out from my head. I wish to write more next year.
- Make saving money as a hobby
I weren’t a good investor and nor I save up huge sum of money in my 20s. I just started serious with my finance at the age 27 when I hit rock bottom when my business start to fall down. Now at my 30s, when I see people save money as their hobby, it inspired me to be one of them.
- Make a better financial decision
I have made a better decision over the past years. But it is not as good as I wish it to be. I still took loans and 0% instalment. So it hurt my monthly savings by a long shot. I need to cut off buying food from food delivery services and lowering my lifestyles.
- Clearing up debts
I thought I was close to clearing out my debt, but because of the house I just VP-ed not too long ago, I am now still in debt (still under control). All debts should end this year. But I plan to clearing out before reaching the end of the tenure.
- Better job opportunities / Increase my income
The 9-6 job IRL income is great. But to an extent of which I won’t be worrying about money, it is not that great. The only solution is to find a better opportunities and figure out how to increase my income. Once I figure out, number 4, 2 is very much achievable.
- Fully furnish my entire house
I did mentioned about cut my expenses and start saving money, right? This section for me is quite important. You buy a house for own stay and you want to make it liveable.
Here are the things I hope the best for the rest
- Improve currency
MYR currency has dipped a lot over the year. I hope we can see an improvement next year. I have been dealing with a lot of oversea transaction, it hurts seeing how much I need to pay because to the weakening ringgit.
- Improve politic stability
A stability of a country’s politic is detrimental for the economy. Investor now are worried and couldn’t decide whether to invest in Malaysia or not. I also hope to see a new leader (and a younger one) replacing our current Prime Minister.
- Improve economy
I would like to see better GDP growth and lower inflation rate next year. Let’s hope the government do something to attract investors and increases in job opportunities in Malaysia.