2016 is coming to the end with few days remaining. What an eventful year with the continuation of Oil Crisis, Brexit, Trump's presidency, Italy referendum and Interest rate hikes. What 穷小子 had accomplished? Financial's achievement Savings Manged to save about 44% of his salary after all the insurances and household allowance deductions. Target to save 50% for 2017. Not sure if this can be done, but since if 穷小子 can't save more, why not try to earn more to bring up the ratio. With the 44% of savings this year, he managed to build back the "emergency funds" which he had used last year for investments, and with some bad choices were made. As long as 穷小子 is still working, he will build them back, as a promise to himself. The emergency funds used a 6 months' expenses as a guide, shall proceed with 12 months' expenses target by end ......