Saturday, 6 December 2014

3 Years in Review (2012 to 2014) and Goals Setting for 2015

Hi fellow Peons! It has been a long while since I last blogged hasn't it? :p

3 years to be exact. Much have happened in these 3 years by the way. I had three job changes, proposed to my partner, gotten my BTO flat, etc.

Can't wait for it to be ready by 2017:D

All these events are significant chapters of my life and some of these events have offered painful life lessons due to my naivety. Hopefully, I will have the time to blog about these events retrospectively in the near future while my memories are fresh.

Coming back to the topic, let's firstly start off with the review of my goals as of December 2014.

In 2012, I stated that my goals were as follows: 
  1. Sorting out my insurance coverage.
  2. Increase monthly dividend payout to $50.
  3. Achieve honors grades for my part time studies.
  4. Gain significant in-depth knowledge on Fundamental Analysis. 
Three years later, as we reach the end of 2014, my progresses are as follows: 

1) Sorted out my insurance coverage in February 2012. Explained in detailed HERE

2) My monthly dividend payout has hit $101.87 as of end 2014. Not very commendable if you ask me. Even though I managed to exceed my initial target of $50 monthly, it has taken me three years to hit this amount. That is a less than 38% increase annually! Hardly sufficient to be considered a "passive income", much less feed a peon like me!

3) Two words to describe. EPIC FAIL. I failed two of the modules and was caught for plagiarism for one of my assignments. Received a warning letter from the school to boot. So much for aiming to achieve honors for my degree =_=". Guess this is an inherent characteristic of mine, always being uninterested in school. With such set-backs, I will never be able to achieve my goal of getting honors grading for my current course.

4) This goal can neither be quantified nor measured. I am sure I have gained some considerable investment knowledge this past three years. What I cannot be sure of, is that this knowledge can be considered significant enough. This is lousy goal setting and I will revised it for the upcoming goals setting for 2015.

Now that the review of my 2012 goals completed, lets move on to my goals for 2015.

GOALS for 2015
  • Increase monthly dividends income to $150 (50% increases from $101.87).  
  • Get through my remaining semesters of my studies without further failures.  
  • Posting at least two entries on this blog per month, of which one blog posting must be on issues relating to financial literacy or research.
  • Get to know at least two other people with similar interest in financial literacy.
  • Career advancement in my regular job (gets promoted to the next level).

With this, I have completed my goals setting and review. 

I fervently hope I will be able to achieve these goals and will do my utmost to achieve them. I have faced several setbacks these past few years, such as my family situation as well as my career instability, which have made my life extremely patchy. However, I have also encountered uplifting moments too, such as my successful proposal and my mum recovery from 3rd stage cancer.

I guess what they say about life is true, full of ups and downs moment. Looking forward to more 'ups' moments anyway. Who doesn't:p

In a couple of months, it will be the start of a new year and I will be 27 years old. Hence, I wish for a very successful and enriching year for all of us in the new year! 


Picture of Mt Fuji taken during my Japan trip in 2013. Did a solo (80% of the time) tour of the country. Have to admit that it was an extremely emboldening experience in a lovely country rich in culture. Can't wait to travel there again. I will highly encourage everyone to make a trip to Japan once in their lifetime. No regrets (cross my heart)!


  1. Hi passive poen,

    Just drop by to say hi.

    Dun let me scare u. Marriage life is ok. In fact, like wine, it taste bitter initially but as time goes, it taste better. You can keep away for years and it will taste even better. Of course, you must take care of that bottle of wine and not neglect it.

    27? Ya, that's about the age I go flat hunting with my wife. We went for resale and hence we ROM in the same year and had our wedding at 28.

    I had my car at 29, and our first child at 30. If I can turn back clock, the only thing financially I were change is not to get a car. However, luck has shine on me in the sense that my flat and car are all cheap in today terms.

    Enjoy family hood.

    You are young. When u are 35 like me, you would have achieve much more financially I am sure.

    I have lost my greatest asset momentarily. I will find it back soon.

    1. Hi SI,

      hahah. Yup, there is much to look forward to, as well as feared. This fear is what that is driving me to create a better future for my family and me.

      Thanks for taking the time to know me though. Hopefully, in times to come, I'll have the opportunity to blog about how I managed to raise a happy family on a financially sustainable method. lol.

      To a better 2015 for all of us ;)



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