These past few weeks, I can say that I feel more stable in the sense that I have decided on a rough outline on my financial plans for the next few years. Although this may change according to situations beyond my control, right now what matters is that I feel I have a goal to achieve, and this actually does motivate me to work harder.

First and foremost, I have already opened up a separate savings account with Auto-Deduction every time my pay comes in. Since it does not come with an ATM withdrawal facility, I don’t have to worry too much about tapping into my savings. Also, as I am saving up at least 1/3 of my pay, InsyaAllah I should be able to save approximately $5,000 in 8 months, which I think is not so bad seeing how much I earn anyway (haha).

As an extra motivation, I have made up my mind (rock solid, I tell you!) on what to spend this $5,000 on. Although some people will argue in great length that the amount should be put into my education reserves, I feel that since I have the means, I should use it to accomplish one of my longest dreams ever. For personal reasons, I wouldn’t be saying what it is until the time comes, but as for now, I am eagerly waiting till the day I can achieve it. By far, I think, it would be the best thing that I could have ever spent $5,000 on :) InsyaAllah with God’s Grace I’ll be able to do it, yay!

When 2009 greets us all, I’ll still continue to set aside approximately 1/3 (or more?) of my pay, but this time, for education purposes. Although I am feeling very comfortable sitting here in the office, I think that it’s very dangerous in the long run for myself to fall back on an A level certificate and around a year’s worth of shipping documentation experience, what more with the fact that the shipping industry will be expected to tumble to the graphs in the bottom cyclical in 2010.

And when I’m done repaying all my education bills/loans, I’ll start saving up for marriage aaahahahaha! :P