1) Attend church services regularly 2) Monthly tithing 3) Be debtless by June 2009 4) Save accordingly to my financial plans 5) Monthly allowance to parents 6) Exercise at least 2 hours weekly 7) Read newspaper daily 8) Read 2 books / novels of different genres monthly 9) Learn 2 new words weekly 10) Volunteer for animal / environmental-based projects 11) Run a half Marathon 12) Assist tuition kids in attaining good progress in their studies 13) Begin tuition business planning 14) Start a long-term diversified investment 15) Travel with my Ronster at the end of the year 16) Buy a laptop & DSLR 17) Be more punctual 18) Spend more time with my family 19) Learn to draw better, driving & improve in other languages I’m interested in 20) Organise my room frequently Penned down on 31122008