great topic but atleast point 9, 8, 6 and 5 have been already on my list of how i brainstorm my ideas. will keep checking for more great ideas like these.

your right as humans especially myself always set more than one goal and the worst part all had to be accomplished by having a certain amount of money set aside to attain it. since i have several resolutions that include saving for a vacation back home this year, going back to university n buying myself a car, all…