Where We At Financially This 1st Month Of 2016?

Ito na yun! The most dreaded revelation of my post as an update for - Where We At Financially This 10th Month Of 2015? blog post. With the financial difficulty on the 2nd half of 2015, achieve pa rin kaya ang 1M target at the end of 2015?

Hm, okey, sabi ko nga sa mga earlier posts ko, as time passes by, there are changes and revisions na nangyayari sa mga nauna kong plans. And one of them is the category I used to describe where our money went. Category lang naman. Same pa rin ang contents and the numbers as well.

According to my excel tracker, 101.65% achieved! Yey!

Ang liit ng deviation but I am super happy. The reasons behind are that most of my stock picks are still in red. The mutual fund in equities as well as the UITF in equities are also in red. Added to these are our insurances fund values which are also less than our expectations. So maybe kapag kumikita na rin ang mga funds, mas mataas pa sa 1.65% ang surplus? Unfortunately, mababa kasi ngayon kaya yan lang ang lumabas after I updated my file based on the published numbers on the sites.

What keeps it afloat are those of low risks investments in bonds, treasury bills, and the continuous addition of my company retirement fund. Also, the steady source of income from our small businesses which are all diverted to other income generating funds. Yes, thank you to the book of Riches Man in Babylon. The children of the children of the source should also be producing an income.

Yun lang, we really are living a frugal life style. Every cents are accounted for. It was only in December that we bought new clothes for ourselves. I know, I sell fashion clothes and I should be fashionable as well. Pero, if people wanted the item and to buy talaga, they will, regardless how the seller looks like. Note, sa online shop ko rin lang binili damit namin. Same is true with the Christmas gifts. Nakatipid pa rin ako kahit papano.

Yun din lang ang buwan na we let ourselves grab some things we crave for a long time in the grocery but could not force our selves to buy earlier because it is too pricey for someone like us. What also compensate our surge in grocery items was that we do not have any dine out last December.  Generally, it was because we've been staying on weekends in my parent's house so that my visiting 90-year old grandmother can see my 2 year old daughter. Yes, we are now four generations. :)

Right now, I am thinking, is it true what they say that going to 2nd M will be easier than getting the 1st M? I am ecstatic to write about it when it comes. I just hope it is sooner than what my excel tracker projected.

Just sharing. :) God Bless.