Financial goals:
- 150 No Spend Days, aiming for 12 days/month
- Make extra 2-3k from side hustles each month (fluctuating earnings atm), explore other side hustling opportunities come April (the companies and their jobs I get assigned is seasonal)
- Put up a blog sale (ideally before February) on another page
- Track savings progress monthly - put up a progress bar on the blog
- Set aside a designated amount for "yearly replacement items" (things that are expected to be replaced/bought/encountered) each month after each paycheck
- Never buy anything full price, always ask for friends/staff discount first. Thoroughly analyze each purchase, no impulse buying. Do better to turn a blind eye on sales (sales = more stuff / more clutter).
- Related to (6), if something is needed, wait until there's a good deal (FF sale or GWP). But don't fall for GWP. Rinse, repeat (6) & (7).
- Learn about the stock market, funds, and ETFs (Question: where to start?)
- Put *some* investment into ETFs, mutual funds, dividend-yielding stocks and bonds
- Manage and organize retirement fund accounts, request online access to manage the funds easier
- Continue building up the emergency fund (at the current state this should take about 2-3 years more, this is NOT a travel fund)
- Say NO to friends asking for sponsors
- No buying of "gifts" (re-purposed gifts are OK) to colleagues and friends. Unless it's someone special or the relations are worth keeping
- No new handbags / shoes
- Switch to cheapest cell phone plan to the previous service provider once the current contract expires in Nov 15
- Don't enter supermarket/grocery store without specific things in mind, aka no random browsing
- Make a habit of not bringing credit cards on most weekdays (I do better on days without cards in the purse)
- Cook more at home and reduce frequencies of meals out, or reducing cost per meal out (need to talk with bf about this)
Health & Personal Care goals:
- Eat more greens, less meat
- Eat / cook whole foods whenever possible, avoid processed / packaged foods
- Tuck in by 2330 every night, bonus points for making it at 2300
- Walk a lot, walk far, mostly referring to short distances between subway stations
- Similar but different to (4), go for a walk at the park 6x per month, jog if my knee joints allow
- Read Chinese medicinal/health related books
- No snacking in between meals
- Do menu planning for breakfasts, have 1 or 2 staples ready (keywords: variety, hot, filling but not fat)
- Do facial mask and hair mask once a week, condition hair once a week
- Apply body creams and hand creams every night
Housekeeping / Home / Decluttering goals:
- Bleach room twice a year
- Purge closet minimum once a year
- Sell old books, DVDs, CDs or donate them
- Practice minimalism: borrow, not buy
- Use up things, watch them die and go to the trash! Bottles and jars you know who you are
- Be resourceful: re-purpose things
- Practice "going without"
Personal development:
- Finish the magazine backlog
- Read 3-5 books during the year, non-fiction and health books mostly
- Make to-do lists every week, month and year to keep on track and do better planning mentally, financially and physically
- Be surrounded by people who "do good"
- Empower self
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