My wife decided to resign from her job to take care of our baby for awhile, so its more crucial now to do some serious micro management for my monthly expense. We have also employed a maid to help with the house keeping. I continue the habit of not spending cash but rather on three credit cards that are giro-ed(to prevent any chance of late payment.) My decision on the three credit cards must have some synergy with the bonus accounts out there(UOB one and OCBC 360) in order to optimize my rebate further. I use UOB one card's pay wave and visa function to make the bulk of my spending and cap it at $800 per month. I spend it on online items that are not permitted for Frank rebates and offline items that are non groceries. Ie the occasional dinning out, KKH hospital residual bills(online payment), Prudential ......