It’s close to the end of the work week and tomorrow is Friday! The day we receive our monthly salary and annual bonus income, which is likely to be our biggest payout in a single day for all of our 8 years of working. I’m excited at the prospects of having such an influx of cash at the end of 2017 and thinking about what I can do with it next year. 2018 is already shaping up to be a significant year, almost like a turning point for us, as we look to get more serious with our careers, finances and family planning.

I reckon it has to do with my wife turning 30 next year and both of us will officially be in our thirties in 2018. I always feel that’s the time to get our act together, step up and actually plan for the future. We had a lot of memorable …