2019 is finally here to stay for the next 360+ days, and I can’t wait to review my finances for the year. After my CPF interest has been deposited on the last day of 2018, I do have a rough idea on how well I did in my financial health for the year and I am very glad to say that it has been much better than I’ve expected it to be, though I fell very short on my expenses and exceeded my budget very… exceedingly due to some unexpected expenditures that were quite unavoidable and unaccounted for.

I guess that’s a way of how life throws a rock on your head and reminds you to always prepare yourself for unplanned circumstances, and that even if things don’t go the way you want it to be, it’s going to be fine because you’ll always find a way to make it