2014 in review

I struggled whether this post should be written or not, but then I decided what's the point of a blog if I can't be honest with myself and be accountable?

A few things came into mind when summarizing 2014 financially. "Haven't tried hard enough", and in similar vein - "gave in too easily", frailty. 

I began tracking my expenses during latter half of 2014, while the balance sheet is still far from being financially healthy, it allowed me to have a clearer picture of what areas are my weaknesses, what my priorities are, and where shall I head to, financially-speaking. 

But I did take the very first step into putting money for conservative type investment, this practice shall continue when I learn more about investment. No I'm ready to dump my hard-earned cash in one go into the market, I'm going to stick with the least risky side of things. It's that I believe getting it started should allow me to catch up with peers of the same age / situation. I'm not that positive about getting "ahead" of most others, but in the likely event I'm getting a raise next year, that shall leave me with more wiggle room and accelerate the savings rate, and hopefully figure out how to get ahead. 

The hardest part is how to get started, of course. But this is no excuse to sit and do nothing.

My keywords for 2015: Stay focused. Try harder. Don't succumb to the "wants" easily. I would try very very hard to stick to my budget in January, if I succeed in doing so even for a mere 1 month, I'd be ecstatic. 

(Random thought: maybe I should change the profile picture to Scrooge McDuck...)

In 2015, I will repeat this thought daily.