Father Sez

From and to parents - parental advice to our children on personal financial management and life.
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My goals for 2009

Friday, January 9th, 2009

Many bloggers have already proclaimed their goals for 2009.

I have always admired (or is it wondered) about those of us who are brave enough to list their goals for all to read. This sorts of makes the writer accountable and hence create a strong level of motivation.  

Some come up with a list of things they want to achieve. Others come up with SMART goals. I guess that so long we have something to shoot for, it’s still miles better than aimlessly wandering around for the year. Have a look at some of the goals set.

 - Julie’s 

- The Ladies of Liberty (who focus on the need of deployed female service members)  

- A young 40 something lady artist and educator blogging about her journey to break the family’s “fat curse”   

- Really Ready for Change 

I am a lot more shy. I feel as if I am undressing in public if I were to declare all my goals in detail. (Maybe I am just scared that I’ll miss my goals and be called a bum.) Yet I want the accountability and the motivation. I also want the support of the goal buddies that my readers can be.  I figure that a fair compromise would be for some goals to be kept private and some to be detailed here. 

So here goes: 

Health and general well being 

I want to get up at 5.30 am daily.  

This goal is driven less by productivity concerns, and more about having a morning ritual of exercise. In addition this goal will help me get my spiritual matters in better order. As a Muslim, I have an obligatory prayer that has to be done around 6 am or so. I have been late for this Fajr prayer far too often.  

This morning I read Frugal Dad who is setting a goal to get up at 4.30 am daily. He is planning to make even further improvements in his productivity, fitness and personal well being. 4.30 is a little too early for me.  

I am reading again the post I wrote in November 2007 on how to set up a routine for rising early. The tips I had gathered on how to rise early did work for me. Unfortunately I allowed myself to backslide.   

Signing up for a Qi Qong class and practicing it regularly. 

I have written about the great positive effects of Qi Qong. This goal has just been carried over from 2008 when it was made and left undone.   

Have 6 short nature hikes in 2009 

I loved the hikes we used to do when we were in school. Much later in life and much more unfit, I joined the Malaysian Nature Society and went for a hike they labeled as “a walk in the park.” Boy, it was a real toughie for me. That was the first and last. 

I have read some really interesting material in a website called Nature Escapes. Rick has listed plenty of treks and hikes that can be done in 1 – 4 hours from Kuala Lumpur, which is only a 45 minutes drive from my home. 

Nature Escapes’ treks and routes promise to be a lot less taxing on the bones whilst being no less enjoyable. I shall choose some of Rick’s suggestions and go off on the short treks once in 2 months.  If I can get my children to join me in some of these outings, then this goal would be an outstanding success. 


To have at least 5 Outings in 2009 – cheap and enjoyable – Ulu Bendul like 

This has been explained in my previous post 

Support my wife and children fully so that they meet their own goals  

I have talked a fair bit about my children’s goals. My wife, one the other hand, wants to keep her goals private. I’ll do all I can to help my family members meet their own individual goals.     


I have 4 financial goals for the year 2009. These are goals that my wife is fully aware of, and the children are aware of most of them.

I just want to talk about one of the goals here. My wife and I started a business in late 2008 selling an educational product. I have long been looking for something like this to help me support and monitor my younger children’s studies. And this product has exceeded all my expectations. My wife and I figure that there must be many other parents with the same problem, hence the business.

Our goal in respect of this is to:  

To achieve an income equivalent to my 2008 income, before I “retired”, by the 31 December 2009.        

This is the “stretchest” goal that I have made for the year.        

My Blog     

My 2009 goals for the blog are far less ambitious than last year’s.

 Just to participate in at least one Carnival a week and sensibly comment in as many blogs as I can.  And to set a measurable target, it would be nice to get into Fire Finance’s list of top 100 personal finance blogs.       

I don’t quite understand FF’s requirements that have to be met to be considered, and I have to catch up on this sometime soon. 

I have done my plans towards achieving my goals and will review the plans and my progress weekly. Unlike in 2008, I am sure I have no “wishes” disguised as goals.  I hope this year I meet Mike’s exacting requirements for goals as opposed to wishes.

God Willing, 2009 will be my family’s and my best year ever!!!!             

My children’s goals for 2009

Monday, January 5th, 2009

Last week, I posted about how my children fared for the goals they set in 2008.  

For 2009, all my 5 children have written up their respective goals. The two elder girls have written theirs in their laptops (like I do) whilst the younger children have their own little goal books. 

The elder girls want to keep their goals private. I have been allowed in only on their financial and career goals. I plan to discuss their progress with them periodically as their goal buddy. 

The younger three are also feeling uncomfortable with too much disclosure of their goals on this blog. Our youngest girl, Ain, has given me approval to list some details of her educational and financial goals. 

Ain has drawn up a total of 5 goals. Two for her studies, one for health matters and the last two for finance, the details of some of which are listed here.  For her studies she has to:  

a)  Do her English writing and reading weekly, without fighting with Papa. 

This is a project which we have been doing since 2007 or so. The Malaysian school system is in Bahasa Malaysia and the kids come out of school with very poor English. I think the Government is doing the children a terrible disservice in these global times. I want to do my part in making my children more proficient in English. Weekly writing and reading may not be enough, still it is a world better than what they are getting in school. Maybe next year I might think about other forms of English language classes.  The fighting with Papa has been inserted since, as you may guess, each week there has to be some pushing before this gets done.  

b)  School Grades 

She has taken upon herself a goal of achieving a grade of being in the top 3 in her class, in every test and exam during the 2009 school year. She has also a plan on how to reach this goal.  

For finance, she has to keep very good accounts of her allowance and secondly she has to save at least RM 300 by the 31st of December 2009 

Nana, our 14 year old 4th girl’s goals are a little more elaborate. She has listed a total of 9 goals. One for her education, 2 for her health, 2 for religion, 2 for finance and 2 under her social skills.  

Our only son, Abang, who escaped doing his goals for 2008, has also done his for 2009. Abang has a total of 16 goals for 2009. This may be a little too many, but let’s just see how this goes. He has one goal listed under Community (after all, our family Mission Statement calls for our family to be respectful and respected members of the community we live in.) He also has two goals listed under Family. 

I mentioned last week, that the accounts books of the three younger ones did not balance. The physical cash balances in their piggy banks were quite a bit less than what they should have per their accounts. This was for the 3 of them! 

So this year, I plan to implement some changes. Each time, I give them their allowance, I shall do a cash count together with them, take away their extra cash and give them an IOU. These IOUs would be cashed from me when they bank in their savings twice yearly.

I have to discuss this new system with them when they receive their February allowances.  

Not all the goals set meet all the SMART requirements. Some of the “goals” are more akin to practicing and forming good habits that we want them to cultivate. Like keeping their rooms tip top. Or like washing their school shoes without being told.   

I take the view that the children now have something to aim for and are doing something about reaching the aimed for target. 

This alone is more than good enough for me.        

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