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Hello all! My name is Gracie and I am the sole author (for now) of I am a late-millennial born in the early 90’s in Malaysia, with strong interest in personal finance subject (nope, I have IT background which are totally unrelated to Finance)

Why Ringgit Freedom?

I’ve always been wanting to share more about my personal journey when it comes to finance – but it is sometimes quite tricky in the real world, due to the simple fact that we have to filter-out certain information to either safeguard ourselves or avoid awkward/negative sentiment when it comes to friend/peers (one of my friend had a fight with me for just sharing “too much info”. Yup, reality stinks…)

With pseudonymous online presence, I get to at least be as transparent as I can without the need to withhold information, and share my thoughts truthfully. I always wanted to start my own blog but have postponed these thoughts/ideas for as long as I could due to the lack of proper motivation / and other stuff that life throws at me.

I am a strong believer in personal finance, which I start to think that I inherited this behaviour from my mom (she’s really frugal and tracks all her expenses) and took it one step further. I am lucky enough to start my first-job after graduating with above-average pay and managed to consistently save above 25% of my gross-income at least for the first 2+ years of working. Having said that – I have my strong view in maintaining a right balance between saving/investing for future vs. enjoying life as it is now.

Why Enjoy Now, Not Later?

Life is unpredictable and before we know it, our life might have already come to an end. One thing for sure – I don’t want to leave this world with a plenty long list of regrets (things not done) so I strive to enjoy live as much as I can, while being responsible to my personal finances.

And although I had a good start mentioned above, I myself also fell victim to the instant gratification and have made many impulsive purchase over the years that had hindered my progress towards Financial Freedom – you can read more about my old story here.

What’s Next For Me?

Now that the storms are finally over, I am motivated enough to enforce my self-discipline that I had in the past, and restarted my financial freedom journey sometime back in Oct 2019.

Fast forward to Dec 2020, I have managed to achieve an average of 42% savings rate for the past year. This may not seem much but I am very happy with where I am – compared to the times in 2019/2018 before I restarted my financial freedom journey where I have literally 0% savings rate, with RM0 emergency fund – you can read more about my years in review here.

Now my goal is simple, and I’ll list them down below (and perhaps update, when circumstance changes):

  • Increase my avg. Savings rate to at least 45% (+9p.p) by end of 2021
  • Continue allowing myself for occasional (budgeted) splurge
  • Invest my time in growing my knowledge and pick up new skills
    • this blog is definitely one of it! Both from Technical Skill (AWS Cloud Infrastructure) and Writing skills 😛
  • Hit my first million net-worth before 34 years old by 2024

That’s it for now! I will revisit and update this section as I grow my blog further and see you in other posts!


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