between $500 and $1000
between $1000 and $2000
between $2000 and $3000
between $3000 and $4000
between $4000 and $5000
between $5000 and $10000
stop buying lens... only way to trim my expenses..
Other than the usual jokes, this is a good topic.
Some suggestions are good.
I think living in moderation is good.
No need to show off and buy bungalow or condo or BMW and try to keep up with others.....
No need to boast about your 30 day holiday to Europe......
Control your urge to splurge.
But once in a while do enjoy yourself.
Or else worse if suddenly let go.
Sorry to TS for OOP
Last edited by Big Kahuna; 19th November 2008 at 08:36 AM.
House Installment ~1000 > Refinance or extent the repayment period, target $500/mth
Car installment + maintenance ~1200 > Downgrade or scrap the car at $20k lost, change to public transport will probably cost me $200/mth
Parent ~500 > Pay cut....they will understand, target $200
Utility ~200 > Jan price reduction and reduce aircon consumption should ease the bill, target $150
Town council and property taxes ~100 > Cannot siam
Personal Taxes ~300 > Damn, never heard of this but did anybody ever nego with IRAS?
Telecommunication + SCV ~200 > Cut SCV, downgrade broadband and hand phone, target $100
Food ~1000 > To me, eat out actually cheaper than self cook so this one really donno how to achieve but still target $750
Insurances ~800 > Hm....this one LLBP, worse case scenario redeem all policies at lost
Investments ~1000 > What investment?
Entertainment ~ 200 > Go home and watch free TV channel
Bear minimum- PUB, Internet, Public transport. No eating out at restaurants.
I'm here to learn.:flame:
Recession or not, I had always lived simple:
my PUB bill is about SGD 43-47/month. Hardly use AC, mainly use fan. Seldom watch TV, I have no radio, only PC use alot. Lights I only use in the room I am in, or else I switch it off. But, I live alone, and come home evening only................
Broadband Starhub with basic channels at home........SGD 89/month (think can save more if I start new contract)
HP plan is the most basic from Singtel, I SMS alot (SGD 45-48/month)
Food wise, I mainly eat outside for dinner mainly at hawker or food courts and simple food only, and breakfast at home (bread only), aprox SGD 5-6/day
No car, not necessary in Sin city unless you have small kids
Public transport: about SGD 80-90 (??)
I wash cloth once a week, and use the same shirts and pants the whole week (keep rotating), save environment, save water, save Singapore
cut down cost by:
sms people to call you for free incoming calls