It’s back to the norm in September without any travelling and much discretionary expenses. Just when I thought last month’s Net Savings rate was going to be my all-time record high, I’ve smashed it yet again this month, recording a 83.92% Net Savings rate in September. Booyah!
Commuting charges on the B.M.W (bus, MRT, walk) is up by 25% as I haven’t cycled much this month because to the haze. No point saving money and destroying my health in the process.
I’ve come to realise that when there’s an increase in the use of public transportation, food expenses increase in proportionally as well. It’s so easy to be lured into a restaurant on the way home!
Grocery expenses is pretty close to my spendings in August. I didn’t manage to rein in my spendings here as planned, but lots of ingredients like …