As with all new years, resolutions are always made. I set out to cut expenses and increase revenue last year, and i shall have similar goals this year. However, i will be more specific this time round. As they say, targets should be a little of a stretch, so i shall try to streeetch it a little. (1) Save $12,000 in 2016 for myself. I didn't managed to achieve this in 2015, and i shall aim to accomplish this. This amount shall be invested when good opportunities arises. That is $1,000 a month, and hopefully if i do get SOME bonus and tightening of my belt in some ways, i should be able to achieve this. (2) Continue to build up buffer in each of my expenditure category in YNAB. (3) Increase my annual passive income by $500 by the end of 2016. Have deployed some of my savings a.......