First words : very lucky to see @galenkp 's post and I decided to write some so I can set goals and accomplish my goals in 2022 . Also thanks for creating such a great theme

Goals 2022

1 : Save 24000000 VND ( 1,054 USD ) per year and invest with 16% interest per year .

2 : Obtained SHK3 in Chinese and N5 in Japanese (because I am working for a Japanese company) .

3 : Manage expenses appropriately to avoid wasteful spending .

GOALS 1 .

This amount is not too big for me, but I will put the number that I see fit. With this money, I have accumulated for 4 years. with an average interest rate of 16% per year. This is great but one more thing is that in the past year 2021 the investment funds that I have invested in have growth of more than 50% this is amazing isn't it?

HOW TO SAVE LIKE THAT ?

For me, I divide my paycheck into 6 spending jars. and my investment accounts for 30% . I break down my investment by day to make myself comfortable because the investment number is not too big. I will schedule on gg drive and alarm every day at 9pm to make sure I complete my investment. There is a saying by Warren Buffett that the power of habit will lead you to success.
This is the investment tracker on gg drive.

GOALS 2 .

I started studying for the shk3 exam. by learning more vocabulary and doing shk tests of many centers that I collected. As for learning Japanese, I'm also just starting out by learning how to pronounce and memorize simple sentences. I spend 2 hours a day learning these 2 languages .

this is my online teacher

GOALS 3 .

Currently my official salary is about 440 usd a month. overtime payments are not included. After deducting some expenses at the company, I have 400 usd left. I divided into 6 jars.

Src
🔥 Hũ số 1 NEC (NECCESSMES): Tài khoản chi tiêu thiết yếu 55%:
but with this jar i usually don't go to 50% because the area i live in is quite cheap plus i'm not a foodie so it's pretty frugal usually such a portion i would add to the investment jar or the jar study .
🔥 Hũ số 2 LTSS ( Long term saving for spending account): Tài khoản tiết kiệm cho tương lai 10%.
Like I said, I've increased this box by about 20%.
🔥 Chiếc hũ số 3 EDU (Education account): Tài khoản giáo dục 5%
Với chiếc hũ này mỗi tháng tôi học thêm được một vài kiến thức mới
🔥 Chiếc hũ số 4 E (Enteraining): Tài khoản hưởng thụ 10%
thường thì chiếc hũ này tôi sẽ không cần đến nó :))
🔥 Chiếc hũ số 5 FFA ( Financial Freedon Account): Tài khoản đầu tư 10%
This account I combined with the 2nd jar :))
🔥Chiếc hũ số 6 OOP (Out of the plan): tài khoản phát sinh 10%
This jar is really useful when one day you get sick or sick
With these 6 jars, personal financial management is no longer a difficult thing, right?

Thank you for your time and here is my entry in the challenge to participate over the weekend. If you're reading this and haven't joined yet, I invite you to join as well. Please check it Click here for simple rules and mechanics.

Please give me comments and suggestions if you feel that my arguments are not correct, thank you.