It's the 2nd month of my aggressive savings
grand plan! Let's see how i did for this month.
House - $363.80 (26%)
| 01/01/2016 | House | -200 | Bills | ||||
| 01/01/2016 | House | -10.9 | Shampoo | ||||
| 12/01/2016 | House | -20 | Daiso | ||||
| 15/01/2016 | House | -20.4 | Ntuc | ||||
| 22/01/2016 | House | -60 | Ntuc | ||||
| 24/01/2016 | House | -20 | Guardian | ||||
| 25/01/2016 | House | -18 | Ntuc | ||||
| 28/01/2016 | House | -14.5 | Expensive chips | ||||
Pretty much every dollar spent on everything and every trip to the supermarket goes into this account. A funny misunderstanding between me and my wife broke out regarding the expensive bag of chips. After paying for it, i casually asked, "What's so great about this that it cost so much? Is it really that good for baby?" My wife replied that it's not for baby! It's just some chips that she bought for us to try out! What! I was all the while thinking that it was some nutritious stuff for Chloe. Arrghh that's me paying without knowing again.....ok where is the bag of expensive chips now?
Baby - $269.35 (19%)
| 01/01/2016 | Baby | -38.00 | Chloe see doctor | |||||
| 01/01/2016 | Baby | -8.00 | Baby wipes | |||||
| 02/01/2016 | Baby | -15.00 | Dutch lady milk 110mL x 12 x 4packets | |||||
| 16/01/2016 | Baby | -24.00 | Breastpads 3x8dollars | |||||
| 16/01/2016 | Baby | -21.00 | Apple melts 3x7 dollars | |||||
| 18/01/2016 | Baby | -100.00 | Ingredients for baby porridge | |||||
| 22/01/2016 | Baby | -15.00 | Dutch lady milk 110mL x 12 x 4packets | |||||
| 24/01/2016 | Baby | -9.90 | Drynights 34pc pack | |||||
| 24/01/2016 | Baby | -2.00 | Diaper wetwipes | |||||
| 24/01/2016 | Baby | -10.20 | Lacteol forte for diarrhoea | |||||
| 25/01/2016 | Baby | -26.25 | Drynights 34pc pack 3x 8.75 | |||||
I am trying to work out a better way to update this section as it is increasingly difficult to ascertain what items are directly associated with baby costs as she eats the same stuff as us, uses the same stuffs as us. It's complicated.
Eating Out - $238.17 (17%), Entertainment - $31 (2%)
The number 1 enemy for savings, i can throw out all my money saving plans if i don't work on reducing this enemy.
Food - $209.45 (15%)
It's amazing how i spend less on food than other stuffs. It's probably due to the low cost of food at my work place. Interestingly, looking at my 'eating out' costs, it can support me for an entire month if i don't eat out.
Gifts - $94 (7%)
Presents for Clara's 1st birthday and Ah Lan's 4th birthday. Had a great time at both celebrations.
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Monthly Savings Jan 2016
| 15/01/2016 | Savings | $ 26.50 | 52 weeks | |||
| 22/01/2016 | Savings | $ 26.50 | 52 weeks | |||
| 29/01/2016 | Savings | $ 26.50 | 52 weeks | |||
| 01/01/2016 | Savings | $ 26.50 | 52weeks | |||
| 08/01/2016 | Savings | $ 26.50 | 52weeks | |||
Ever since i place this in auto transfer mode, i have no worries about the amount i have to put in as it will always point towards my goal of $1378 at the end of the year.
| 04/01/2016 | Savings | 1.54 | Balance transfer ocbc | |||
| 08/01/2016 | Savings | 0.80 | Balance transfer ocbc | |||
| 18/01/2016 | Savings | 9.54 | Balance transfer ocbc | |||
| 04/01/2016 | Savings | 8.40 | Balance transfer uob | |||
| 18/01/2016 | Savings | 2.02 | Balance transfer uob | |||
| 25/01/2016 | Savings | 0.50 | Bank transfer ocbc | |||
| 25/01/2016 | Savings | 5.25 | Bank transfer uob | |||
| 04/01/2016 | Savings | 0.01 | Interest received | |||
| 31/01/2016 | Savings | 0.02 | Interest received |
The power of 1 + 1 really works here! A little here and there adds up to $28.08 saved!
Bills - Bank charge
| 31/01/2016 | Bills | -2.00 | Bank charge |
Bank charges of $2 charged for the fall below $500 amount deposited. Feb will surely see my deposit balance soar over $500 so this is definitely the last time i am seeing this.
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