When thinking about personal finance, a colleague once asked me if my wife and I keep track of our spending and our mortgage balance, as she was also keen to settle down with her husband soon and wanted to find out the proper way of managing finances. This made me do some soul-searching and think about how I was personally monitoring my financial life and what spreadsheets I had on me which helped me to achieve this. Thus, this post is about the different aspects of one’s finances which one should track in order to ensure most bases are covered and you do not receive a “nasty surprise”. Unsurprisingly, it is Singapore-focused and some aspects (such as CPF) may not be applicable to international readers. However, I do feel that it is comprehensive and would welcome further constructive ideas or suggestions from readers on how to improve further. The need ......