View Poll Results: What's your monthly living expenses?

Voters
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  • <$500

    14 14.14%
  • between $500 and $1000

    24 24.24%
  • between $1000 and $2000

    28 28.28%
  • between $2000 and $3000

    10 10.10%
  • between $3000 and $4000

    10 10.10%
  • between $4000 and $5000

    3 3.03%
  • between $5000 and $10000

    8 8.08%
  • >$10000

    2 2.02%
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Thread: What's your monthly living expenses? And how to trim the expenses?

  1. #21

    Default Re: What's your monthly living expenses? And how to trim the expenses?

    Quote Originally Posted by Big Kahuna View Post
    Off my head:

    House Installment ~1000
    Car installment + maintenance ~1200
    Parent ~500
    Utility ~200
    Town council and property taxes ~100
    Personal Taxes ~300
    Telecommunication + SCV ~200
    Food ~1000
    Insurances ~800
    Investments ~1000
    Entertainment ~200

    ~Total $6500

    Never realized it's this high....really need to cut down on the big ticket Damn...I need to get a job quick

    mm... personal taxes $300 per month can support $6500/month expenditure??

  2. #22

    Default Re: What's your monthly living expenses? And how to trim the expenses?

    Quote Originally Posted by Nisa View Post
    1) now must think before buying, esp when the bill would come up to more than a few hundreds.

    2) Restrict to 5 dollars a day for meals. No more fancy lunches and dinners.

    sian.... some of us save... some of us waste.
    5 dollars? brunch 3 dollars + dinner 3 dollars already 6 dollars, some more almost everyday have to buy coffee for a >SGD6000 incomes old bald-headed manager- the uncle don't know paiseh, always waiting his subordinate to pay for him....but no choice, i'm still new; still got many things learn from him

  3. #23

    Default Re: What's your monthly living expenses? And how to trim the expenses?

    Quote Originally Posted by vanaaa View Post
    5 dollars? brunch 3 dollars + dinner 3 dollars already 6 dollars, some more almost everyday have to buy coffee for a >SGD6000 incomes old bald-headed manager- the uncle don't know paiseh, always waiting his subordinate to pay for him....but no choice, i'm still new; still got many things learn from him
    ppl working in town tend to spend more.

    I work at outskirt... plus i only eat lunch, no breakfast for me.
    dinner are usually done at home. And we buy alot of our stuffs from wholesale markets... or Seng siong.

  4. #24
    Senior Member Big Kahuna's Avatar
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    Default Re: What's your monthly living expenses? And how to trim the expenses?

    Quote Originally Posted by pisduck View Post
    mm... personal taxes $300 per month can support $6500/month expenditure??
    Wat do you mean? Don't understand

  5. #25
    Senior Member Big Kahuna's Avatar
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    Default Re: What's your monthly living expenses? And how to trim the expenses?

    Quote Originally Posted by Henessy View Post
    Wah. Your utility quite low leh. My mum can pay as high as $400 per month though we seldom on aircon.
    I tot mine is already on high side for 2 member household...I did a informal poll in my office and that was about the avg of most family

  6. #26

    Default Re: What's your monthly living expenses? And how to trim the expenses?

    stop buying lens... only way to trim my expenses..

  7. #27
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    Default Re: What's your monthly living expenses? And how to trim the 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.
    Cannot overcontrol.
    Or else worse if suddenly let go.

  8. #28

    Default Re: What's your monthly living expenses? And how to trim the expenses?

    Quote Originally Posted by ricohflex View Post

    Cannot overcontrol.
    Or else worse if suddenly let go.
    sorry, i saw the bottom portion first and i had to laugh

    you seem to be talking about bowel movements.

  9. #29

    Default Re: What's your monthly living expenses? And how to trim the expenses?

    what if its the last 3 lines?

    Quote Originally Posted by ricohflex View Post
    But once in a while do enjoy yourself.
    Cannot overcontrol.
    Or else worse if suddenly let go.

  10. #30

    Default Re: What's your monthly living expenses? And how to trim the expenses?

    Quote Originally Posted by Big Kahuna View Post
    Wat do you mean? Don't understand
    I mean personal income tax of $300 per month is $3600 per year. That is around $70k per annum. your expenses is >$70k... so u are running a budget deficit for the year.

  11. #31
    Senior Member Big Kahuna's Avatar
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    Default Re: What's your monthly living expenses? And how to trim the expenses?

    Quote Originally Posted by pisduck View Post
    I mean personal income tax of $300 per month is $3600 per year. That is around $70k per annum. your expenses is >$70k... so u are running a budget deficit for the year.
    What make you so sure that people who earn $70k cannot afford $6.5k mthly expenses? If you see my budget.....it consists of divestment so it's not all written off expenses....the housing can be paid by CPF.....the car can be subsidized by company....Actually nowadays any couple who work moderately can easily have combine 5 figures monthly income....Besides the taxes was base on last year's income....there are rebates etc.....anyhow I don't think I bother....I will not going into detail further

    Sorry to TS for OOP
    Last edited by Big Kahuna; 19th November 2008 at 08:36 AM.

  12. #32
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    Default Re: What's your monthly living expenses? And how to trim the expenses?

    Quote Originally Posted by pisduck View Post
    I mean personal income tax of $300 per month is $3600 per year. That is around $70k per annum. your expenses is >$70k... so u are running a budget deficit for the year.
    Total income for a year should be more than $70K, I guess if the income tax is $3600.

  13. #33
    Senior Member Big Kahuna's Avatar
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    Default Re: What's your monthly living expenses? And how to trim the expenses?

    Quote Originally Posted by Big Kahuna View Post
    Off my head:

    House Installment ~1000
    Car installment + maintenance ~1200
    Parent ~500
    Utility ~200
    Town council and property taxes ~100
    Personal Taxes ~300
    Telecommunication + SCV ~200
    Food ~1000
    Insurances ~800
    Investments ~1000
    Entertainment ~200

    ~Total $6500

    Never realized it's this high....really need to cut down on the big ticket Damn...I need to get a job quick
    Back to TS question, for my case...this will be my contigency plan

    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

    Life?

  14. #34
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    Default Re: What's your monthly living expenses? And how to trim the expenses?

    Quote Originally Posted by Big Kahuna View Post
    Back to TS question, for my case...this will be my contigency plan

    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

    Life?
    Luckily I am not your father!

  15. #35
    Senior Member Big Kahuna's Avatar
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    Default Re: What's your monthly living expenses? And how to trim the expenses?

    Quote Originally Posted by hongsien View Post
    Luckily I am not your father!
    Still got pocket money when the son is in crisis....mai hiam lor

  16. #36
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    Default Re: What's your monthly living expenses? And how to trim the expenses?

    Bear minimum- PUB, Internet, Public transport. No eating out at restaurants.
    I'm here to learn.:flame:

  17. #37
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    Default Re: What's your monthly living expenses? And how to trim the expenses?

    Quote Originally Posted by Big Kahuna View Post
    Still got pocket money when the son is in crisis....mai hiam lor
    Ask him if he can bail you out!

  18. #38
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    Default Re: What's your monthly living expenses? And how to trim the expenses?

    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

  19. #39

    Default Re: What's your monthly living expenses? And how to trim the expenses?

    cut down cost by:
    sms people to call you for free incoming calls
    Visit my Blog :D
    duabuikia.blogspot.com

  20. #40

    Default Re: What's your monthly living expenses? And how to trim the expenses?

    Quote Originally Posted by renl View Post
    cut down cost by:
    sms people to call you for free incoming calls
    i usually give them missed call

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