The week and the year 2016 is coming to an end with one more day of work before I get to enjoy another long weekend. Looking forward to a nice Japanese dinner with good friends tmr on NYE before counting down to the new year 2017 at their place! I might have another post about 2016 in review but it's been a tough year on many fronts for my wife and I. We had great times with each other, our families and friends but I can honestly say we are happy to have survived 2016. Let's hope 2017 is better for us. I would like to think that going through such a challenging year has contributed to the high level of expenses incurred. Wow, I must admit it surprised me when I did a quick calculation and came to the following figures for the year 2016:

• Annual expenses of S$120,000
• ...