So this is Christmas and what have you done?

“So this is Christmas
And what have you done
Another year over
A new one just begun
And so this is Christmas
I hope you have fun
The near and the dear ones
The old and the young”

Many of us have heard this song by the late John Lennon almost every Christmas. It never fails to remind us to reflect on our past experiences and the events so far. This song has greater significance in view of the financial crisis, the greatest hedge fund scam, the melamine scare, retrenchments etc.

Everyone of us will experience both dark and cheerful times. Happiness comes from which you want to focus on. As we reflect on the year 2008, we need to ask ourselves what have we done right this year? Did we achieve our 2008 resolutions we set early this year? Were there decisions or actions that could be better dealt with?

As we are approaching Christmas and the coming new year, let us take a step back to ponder how are we to improve our lives by asking ourselves 12 months from now, what need to have happened in the following areas in order to feel we have made good progress in our lives –

Career or Business

Is there a way we could develop our competencies through courses, training and self-development? Could we take advantage of government training grants to upgrade our skills or business competitiveness?


What do we believe as the true purpose of our lives? Life is more than just paper chase, business or career success. These inner beliefs will enable us to discern the right life choices and to live a balanced life. What am I here on earth for? How can I live for others and help the unfortunate ones around us?


Our physical, emotional and social well being that affects our outlook in life. A good health translates into a happier person. Is there anything we can do to improve them? What about taking up some new hobbies or sports?


Have we got a holistic Wealth plan in place? A review of our financial goals and how to better organize our finances. Do we have a budget drawn up to manage our expenditures so as to increase our savings? How else can we save more money by cutting down on unnecessary spending?

Family & friends

No man is an island. Catch up with family and friends to maintain or build meaningful relationships. Has anyone close affected by the financial crisis? How are our elderly parents or friends coping? Can we help? Conversely, these people can also provide us with the emotional and financial support to tackle our life challenges ahead.

Hopefully when we celebrate Christmas in 2009 we could look back in delight and say that we had spent a year of our lives well. Here’s wishing you a Blessed Christmas and a fulfilling new year ahead!!

Will Writing

Trust Planning

Planned Giving