2014 The Good and Bad

2015 is here . So, what is the new resolution for the year 2015. Before we thinking the new resolutions, its better we look back what's happening in 2014 in term of investment, life and so on.

2014 is the not a good year for me.  However, i'm very grateful that I still can breathe and see the wonderful world.

The Bad

1. Investment

I'm the loser in stock market.  Again and again the same mistake is repeating many times. wrong timing and wrong decision make my investment become heavy loss from minimal profit I made earlier. The dropped of oil price make my investment more fragile and easy to loss. I did not count how much I'm loss but still significant.

2. Saving

I plan to park some money in SSPN and PRS but my dream cannot be fulfilled due to tight budget. Even  I can't save in ASB and Tabung Haji...

3. Bonus

This year I get very little bonus. Not as last year. Sad!!!

4.  Credit Card Debts

Still I can't clear and look like stagnant.  so far the debts still in more than 100K....What the hell I'm  doing with the money?? Not making any progress.  My priority in 2015 is to cut down debts to half....Hopefully!!!

5. Health

My health is deteriorating at the end of 2014. I have to go to HUKM every 2 week for treatment and have to pay some amount money the treatment. So my money depleted again here. Lucky my wife can claim back from her department.  Just  a week ago, I have to be admitted for my stomach problem and I'm lucky that I'm working there. so no need to pay any cents. If not, deep hole in my pocket. I have to take few days unpaid leave since my MC and leave are used up.  So the salary will be reduced significantly. 

The Good

1.  Nothing much to write... I have to think what is good in 2014.....

2015 RESOLUTIONS

1. I have to complete my treatment and take care my body  so that I can life back as normal.  Do more exercise and take care of diet. Can ??
2. To reduce credit card debts to half.
3. To think of career change...
4. Spend wisely and cautiously
5. Invest prudently and smarter in choosing the stock
6. To park some in PRS and SSPN I
7. Saving monthly even in small amount .