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 my net worth less CPF has managed to exceed the