Today is Christmas day and the atmosphere could not be too timely for it started to rain for few hours this morning. Finally, tomorrow is Christmas and Christmas is a time for celebrations and a time for personal reflections on what one has achieved over the year. I know the above sounds like a cliché but really, in my opinion, one must continuously track one’s progress towards the goals he or she has set for himself or herself in life; and yearly resolutions is really a common practice. So while we celebrate and take stock of our achievements for year 2015, it is also time to set resolutions for year 2016! Around the same time last year, I set for myself a financial goal which pertains to savings: that is I must save this amount of my salary this year. I am glad that I have achieved this goal and ......