MINIMALISM!!

Is the way of life I've decided to follow for the time being. Living a low budget life while maximizing incomes and investments. I've been thinking back all 25 years of my life and the way I've been spending my money and I don't think I would like to continue the pattern I've been creating in my earlier life. Which is spending everything I earned and sometimes more than I do(credit cards!!). I did have savings, but half(or even more than that I think) of them spent for the things I wanted to buy.

Since I came to Japan, I encountered a number of incidents that make me realize that the best thing to do is to have at least an emergency savings, and some investments for future. But the thing is, living in Tokyo where you could buy almost anything you could imagine in the world, trying to discipline yourself to save a portion of your money is very hard. Well, even if I'm not in here, I don't think I could resist buying tings I want easily.

I tried and I failed. I tried again but the results are still below expectations. Sometimes I do think I should just give up and living my life like others. Living the life!! But I really don't want to make it as an option. As time goes by, I do hope I could better control my spending habits and turning my dreams into reality. Anybody who read the post to future me does know what my financial goal is. Sadly, I'm only able to achieved about 10-20% from what I initially targeted currently.

Under stress to make my average monthly investments higher and at the same time achiving higher percentage of investments target. I still have a few months before my birthday, that means I still have time to achieve higher percentage of my targets before the stakes get higher(I review my current investments and new target annually on my birthday.

This is how its work. I have a target specifically to be achieved on my 40th birthday. That means from the last birthday until the next one I have to achieve a certain amount of investments annually. It then divided by 12 months, and that is how much I have to invest monthly. On the next birthday, I'll review how much I've put my money into investments, the percentage of investments I achieve for that particular year, and calculate the difference with my goal that I've set and set a new annual and monthly target for the coming year. If the investments I put for the year before match the yearly target, that means I don't have to put higher target for the coming year.

The problem is, my incomes right now doesn't even match the numbers I have to put to investments. In other words, even if I put 100% of my incomes to investments, I won't achieve my yearly target. That is where I'm counting on winning trades, compounding dividends and reinvestments. It is initially expected however I won't be able to achieve 100% of my yearly target for the first few years. But I still held my hope highs for the situation to be better from time to time.

Well, that is the story of my life. While others living their life fully, I've decided to live a hard life for a better future. This is when I really hope Malays' old saying "Berakit-rakit ke hulu, berenang-renang ke tepian, bersusah-susah dahulu, bersenang-senang kemudian" is true. The truth will be tested and I'm counting it to be true.

expenses < investments < incomes