The year 2015 is closing soon. This had been a rather 'challenging' year for me because I issued a lot of personal challenges to experience growth in as many areas as possible. I think for me, it's important to be a better person this year than the last, and I try hard to do that as well. Here are 4 major challenges that I threw on myself: 1. Career challenge 2. Body challenge 3. Mind challenge 4. Spirit challenge Career challenge My career is linked to my savings challenge, which had been on going for years, way back in 2009. I chronicled the journey in a post here. This year had been rather exceptional in the sense that it's an outlier. I had never worked so hard in my life before and thus accumulated quite a fair bit of savings. The month had not ended yet so I still don't ......