Necessity
Food & Eating Out ($641.30 - $71.04 = $570.26) - Daily meals and the weekends eating out. 30% of eating out is allocated as baby expenses.
Transport & Taxi ($144.30) - Monthly EZ Reload top up of $40 and a few taxi trips.
Communication ($42.00) - My M1 bill that is still on the 3G plan with 12 GB of data. Yay!
Baby ($524.95 + $71.04= $595.99) - The usual expense for Chloe including packet milk, allowance, tidbits etc.
| Item | Amt |
| Insurance | 100 |
| Packet milk x4 | 10 |
| Allowance | 200 |
| Sleepwear | 21 |
| Packet milk 3x 1L | 4.95 |
| Ingredients for baby porridge | 150 |
| Zoomoov | 10 |
| Amazonia | 29 |
Total $524.95
Everything Savings Account ($200.00) - This goes directly to the 'DO NOT TOUCH' account.
Long Term Savings
Nikko AM Singapore STI ETF ($100.00) - This one's for the long term but automation is the key.
Play
Play ($118.73) - Cycling trip to east coast with wife and daughter, small ROM celebration at Jack's place. How long ago was 7/7/2007? Time really flies...
Gifts
Gifts ($180.20) - Clothes for my nephew, farewell lunch for colleague Ah Boon, Birthday celebration for best friend, my brother's birthday as well.
Total Expenses for July 2016: $1,998.23
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Monthly Savings July 2016
$106 - Automation works like a charm! 4 weeks of $26.50! Yeah! There are many ways to save money, but i like this the most!
Dividends
$5.66 - This is one segment i am excited about. My very first dividend payout after starting the monthly auto deduction of $100 under POSB regular savings plan for the Nikko ETF just about 3 months ago!
Bank Balance Transfer
$1.99 - All the balance balance goes to this balance. In you go!
Financial Freedom Jar
$200.00 - For da future!
$0.00 - No sale this month...
Total Saved for July 2016: $313.65
Total Saved Since Jan 2016: $2,655.78
Check out how i did in previous months here!
If you have other ways to save money, do let me know. Thanks. :)
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