if you are already planning for next year

Yes, I have. Almost all related to money wise. Hmmm, so many things to do, so little money. One thing I learn from this is that I can never stop learning and I need to always open to new things. Because in order to achieve what I want, II need to know how to achieve it. Happy Mylotting

I do plan. It is a different thing that I never achieve the targets that I set out to achieve. But that doesnt mean that I stop planning. In fact I enjoy it. I like it going like a clockwork. I would be lost if I had nothing to plan for. And I also persuade my friends to plan, mostly their finances. Some of them who followed it are eternally grateful to me.