Jan Expenses

I'm always too lazy to tabulate my expenses, but this time round I had some time to do it.

Food	180
Meals at home (est.)	200
Entertainment	14.5
Transport	50.25
Gadgets	1.15
Housing	69.5
Property tax (est.)	10
Total	525.4

I didn;t include insurance costs this time. Anyway for non-saving insurance, my cash expenses are only < $80 for AVIVA term and PruShield + Extra -- more than enough to cover any terminal illness. 

Food & Groceries

This is the amount spent on meals outside on working and non-working days, including restaurants. I hardly eat at restaurants nowadays, so I just go have a drink and chill. I sometimes go coffeeshops to chill as well -- get a cheap beer or tea like a true "uncle". I hate noisy places so I don't go to crowded bars, clubs, etc. You can hardly talk over there. I enjoy quality conversations as a form of bonding rather than superficial enjoyment.

I regularly buy groceries such as milk and snacks. I always buy soya milk (with the 2 cartons for $3.xx promo).

Meals at home

This is just pure estimation. My mother does all the cooking and she often cooks salmon and other good stuff, so I put it at a higher estimate. Sometimes she gets salmon fish head for free or at a very low price and it's yummy when pan-fried!

I don't pay her directly for this expense but it is paid as the monthly allowance.

Entertainment

This is for one movie on Tues at GV for 2 pax. $6.50/pax + $1.50 for booking fee.

Transport

One ez-link topup with a convenience fee of $0.25. This happens once every few months as I sometimes take bus from my workplace to other places for lunch.

Gadgets

One 2m iPhone charging cable bought from Qoo10. Yes only $1.xx including delivery by mail. Better than Challenger which sells for $5. The factory price is probably only $0.10 haha .. imagine the margin!

Housing & Property tax

Help my mum pay for the town council fee and property tax as part of the allowance.

Car-related expenses

Car	432.44
Parking	86.88
Cash Card	20
Parking (work)	110
total	649.32

These include petrol, car washes, regular polishing package (instalment) and insurance. The insurance is on the high side as my license is quite new.
The parking is for outdoor season parking at home and at work as well as adhoc parking paid using the Parking@SG app.
Cash card cost is for adhoc parking outside (estimated).


Looking at my expenses, it is quite hard to reduce further. Food is easily the largest category (non-car) but it is hard to reduce without resorting to eating economical rice or sandwich every day (although I do eat them quite often).



When I move out and have my own housing, the expenses will go up due to utilities. I intend to use fans to save $.