Thought I'll do a review of 2018. On my own personal finances   Achieved investing savings target of 24k/yr, actually achieved 35.6k. This excludes funds diverted for a side venture of mine (it would add to 38.7k including all the SG bonus, refunded insurance premiums, etc). Had kept my expenses as low as I could, seems like focusing on how to allocate every dollar well seems to be working. Creating a future expenditure budget and planning on expenses in advance (by deducting as a monthly expenses) seems to be working well too, though I have spent a bit more this year, so I would look to increase my expenditure budget after increment next year. This year I managed to increase net profit margin from work from 56% to 57.7%, it is still not yet at the 60% mark. Happily, I am also pleased to say that ......