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2024 GOAL SETTING - Coggle Diagram

- - - - Umrah / Haji
      - Buy a house in KL
      - Travel with them
    - - Education
      - Wedding
      - Skills
        
        Soft Skills
        
        Swimming class
        
        Public speaking
        
        Brain training
        
        Life Skills
        
        Problem solving
        
        Empowerment
        
        Independence
        
        Language
        
        Build vocab
        
        Spelling
        
        Story Telling
        
        Peribahasa / Perumpamaan
        
        Faith
        
        Mengaji
        
        Bacaan doa harian
        
        Bacaan doa solat
    - - Travel together
  - - - Home decor
        
        Update / Declutter / sort & purge wardrobe/stationery/make up/skincare
      - Learn new recipes
    - - Read books / ebooks
      - Multilingual: Mandarin, Arabic, Japanese, French
  - - - Supplements
      - Yearly full body check up
      - Healthy diet
        
        Food
        
        Hydrate
      - Bone density test
      - Blood test
    - - Workout
        
        To lose 10kg by 31 Mar (1.3kg/week)
      - Beauty
        
        Full body spa
        
        Brazilian / underarm / threading
        
        Mani / pedi / feet spa
        
        Haircut / treatment
        
        Teeth whitening / scaling
        
        Home Facial
        
        Medispa facial (carbon laser / dark circle / double chin)
  - - - 10% from every paycheck
      - Minimum RM 5mil for retirement
      - For kids college
      - For kids wedding
      - Emergency funds
      - Kids SSPN
      - Retirement
    - - Other streams of income
      - ASB Loan
      - ASB Savings
      - PRU Access Plus
      - Public Mutual (EPF)
      - Public Mutual (PRS)
      - TH
      - AHB (UT)
      - Raiz
      - Wahed
      - BSN SSP (To add on)
    - - Create max spending budget
      - Re-evaluate financial standing
      - Sell preloved items
      - Pay outstanding credit card
      - Remove subscriptions
      - Target to be debt-free
      - Manage PR1MA loan
      - Manage ASB loan