One of the most darning task to me is to track my expenses. Tried a number of times to track it but just do not have the patience to continue despite being a fan of spreadsheet with the formulas everywhere to compute my investments and net worth almost instantaneously with currency fluctuation, equities, bank saving to pensions.I do spend little on myself materialistically. I do buy computers and gadgets occasionally. Some travels, books and gifts, relatively expensive restaurants, taxi, good massage and parental allowances...da da da de da. Then it dawn on me that since i have high saving rate naturally, there is no need to track them at all. Silly me ! In 2014, my Net worth increase is more than my Annual Salary Income including AWS. Technically speaking i save every penny i earned. I did this before but what so special for 2014 is not due ......