While having a shower, I was mentally calculating the kind of money that I can save, given my 'new' circumstances now. 'New' because it had actually been a while - 2 yrs to be exact - that I had my own cosy hdb flat, I'm married and I've a pre-owned car. Realistically, these two things would add up to the expenses that I spend on a monthly basis, so it also goes to say that I would find it more difficult to save the magic 4.2k per month. Why 4.2k per month? Because 4.2k x 12 will add up nearly to 50k - that challenge that I set myself seemingly so many years ago.


It had also been a while since I tabulated my monthly expenses. I had always been keeping track on all the items that I spend on, noting them down fastidiously in my handphone ......