Happy New Year! As a Chinese saying goes: 一年之计在于春，一日之计在于晨, the planning for the year should be done in the spring and the planning for the day should be done in the morning. To start to year right, we have to start planning earlier on the year so that we can enjoy the fruits at the end of the year. So, I'm going to write down my resolutions for 2016 in the first post of this new year. Tracking my spending I started this last year, but it's been going on quite on and off most of the time and I haven't been recording all of my spending. This year, I'm going to be more disciplined about tracking my spending and reducing the amount of "ghost spending". (Here's an article on how much Singaporeans spend on unplanned spending: Cost of unplanned spending: $2.6k a year......