My Personal Finance Journey

Personal finance observation, musing and decisions in a journey toward financial independence by 2020 with at least $3 million.

By Topics

0. About (10)
1. My Progress (139)
2. Car & Home (107)
3. Credit (138)
4. Banking (33)
5. Saving (49)
6. Investing (308)
7. Taxes (89)
8. Spending (74)
9. Misc (97)
A. Archive (49)


Feb 2014 (3)
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Jan 2012 (1)
Apr 2011 (1)
Mar 2011 (1)
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Jan 2011 (1)
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Oct 2010 (1)
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Feb 2003 (3)
Jan 2003 (29) Brief Guide (Updated)

Contributed by mm | September 6, 2006 7:18 PM PST

(I realized I haven't updated my "About" section for more than a year now. For those who joined my journey in the last fifteen months, a late thank-you and here is a brief guide of what the blog is all about.)

Welcome to PFBlog, the unique personal finance blog.

PFBlog all starts with an ambition: accumulating a full million dollars by the age of 40 (year 2016) through hard working and diligent personal finance management.

Since 2003, I have been applying a strict methodology of setting up goals, preparing plan and implementing tactics. The result has been more than satisfactory. I started at about $81,000 in January 2003. Three and a half years into the journey, our family net worth achieved the milestone of $500,000 in August 2006. To reflect the progress, I updated my mission statement in July 2005 to achieve $1 million by the age of 36 (year 2012).

To join me in this journey, you might want to start at Three Years in Five Charts. Every year, I set up financial goals and report on results. Take a look at:

• 2006: Financial Goals
• 2005: Goals and Results
• 2004: Goals and Results
• 2003: Goals and Results

I also publish my progress monthly and you might read my latest monthly update from this folder.

I frequently discuss major personal finance decisions, review latest personal finance products and share great personal finance resources. These posts are collected in two categories: Analysis and Resources. From time to time, I also comment on some media stories about various personal finance topics like credit, insurance, investments and economy. You may follow the category list at the bottom of each page for more details.

Although not extensively covered at PFBlog, portfolio management is still an important component of financial success. Look no further than My Portfolio - General section to have a quick view of my holdings. I keep a complete record of my transactions and sometimes discuss my holdings and stock picks. is updated frequently and you can expect anywhere from 10 to 50 new posts every month. You may want to add the RSS Feed (RDF or XML format) to your newsreader. If you haven't used newreader yet, try out Bloglines.

A final reminder: this web site does not offer financial advice. It's only a personal diary of financial thinkings and happenings. By using any information in this site in any manner, you agree to the rules of this site.

Thank you for joining me in this long journey!

This Post Has Received 99 Comments. Share Your Opinions Too.

wayne Commented on September 8, 2006


Good summary. An interesting review (at least for me) would be how does your cost of living in Shanghai compare to your previous cost of living in Seattle? Maybe you have done this already.

- wayne

Terry Commented on September 24, 2006

I'm digging the personal financing info you are letting your visitors view. A cool idea, and a little gutsy.....but from one finance blogger to another, I'm dying to see your stats on uniques, impressions, Adsense and Kontera.

Fantastic work here......


Steven James Commented on November 1, 2006

mm, interesting article on planning one's finances. I hope you get to that $1 million mark soon :) neways, i am using a Personal Finance Guide from which has helped me tremendously in planning my finances. Hope you find it useful and do share some more information with me at



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Error 500 - Internal server error

Error 500 - Internal server error

An internal server error has occured!
Please try again later.

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