This post is a little later than usual, all because today is …… the Mrs’ 30th Birthday! Being my number one loyal reader on this humble blog, there would be no surprise element for her since I had bought “some” of her presents in December. And yes, I don’t hide behind the numbers, even when they appear a little embarrassing, like this month’s expenses which came close to $4,500. Annual expenses fell slightly short of $48,000 which also meant that we kept within an average of $4,000 throughout the whole of 2015! I will probably break the expenses down into their categories and compare it against 2014. That should make an interesting post a few weeks down the road.

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Eating Out: $728.30 Hawker ($209.70) – We finally started making some simpler meals, like chicken wrap for our lunches. It’s really simple as we bought those whole chickens from NTUC/Cold Storage ......