This is my last net worth update for the year 2017 in Dec. Just updated the figures in our Net Worth Google Sheet and we now officially have 2 years worth of accurate data to look back on starting from Dec 2015. Yearly patterns in behaviour when it comes to our expenses, savings, investments and retirement funds are starting to emerge.

The data tracking for the past 2 years has been beneficial and I would most likely continue with it. However, I have to say it takes a long time for daily and weekly actions to take effect. There are plans that we put in place 1 to 2 years ago that are only just beginning to show results. And it would take the same amount of time for the outcome of any changes to these plans to be reflected.

Patience and the understanding that some things cannot be rushed is …