Whenever it comes to December, I will turn reminiscent. I mean time flies and here we are into December once again. I know it sounds cliché, but whenever it comes to December, while many people party, I will review the goals and achievements of the year and then set the goals for the next year. I always think that for working adults, the goals should always involve financial goals, though many people may not set financial goals as part of their goals. But like it or not, once we start working and step into society, monies are really important to sustaining a livelihood in Singapore and hence financial goals are really important. How to set financial goals? Well, the most important financial goals in my opinion is on the amount one should save in a given year as savings are really the most important part of one’s money management. Only ......